Banking Business Models

Types of Business Models

Retail – Funded
Wholesale – Funded
Trading/ Universal Bank
Types of Business Models

Retail – Funded
Wholesale – Funded
Trading/ Universal Bank
Business Models’ Across Geographies
Business Models’ Returns
HDFC Bank P&L
Yes Bank P&L
Kotak Mahindra Bank P&L
HDFC Bank Balance Sheet
HDFC Bank Balance Sheet
Yes Bank Balance Sheet
Kotak Mahindra Bank Balance Sheet
Yes Bank Balance Sheet
HDFC Bank P&L
Yes Bank P&L
Kotak Mahindra Bank P&L
 Comparison
Key Financial Ratios HDFC Bank Yes Bank Kotak Bank
Mar-18 Mar-18 Mar-18
Per Share Ratios
Diluted Eps (Rs.) 66.84 18.06 21.51
Book Value /Share (Rs.) 409.6 111.85 196.7
Dividend/Share (Rs.) 13 2.7 0.7
Operating Revenue / Share (Rs.) 309.2 88.01 103.63
Per Employee Ratios
Interest Income/ Employee (Rs.) 90,92,196 1,11,12,744 39,49,699
Net Profit/ Employee (Rs.) 19,81,432 23,16,353 8,16,861
Business/ Employee (Rs.) 16,39,72,186 22,16,64,662 7,24,72,239
Per Branch Ratios
Interest Income/ Branch (Rs.) 16,76,23,470 18,42,49,287 14,22,80,228
Net Profit/ Branches (Rs.) 3,65,29,618 3,84,05,125 2,94,25,817
Business/ Branches (Rs.) 3,02,29,86,694 3,67,52,00,095 2,61,06,71,439
Total Debt to Owners Fund 8.58 10.7 5.81
 Comparison
Key Performance Ratios HDFC Bank Yes Bank Kotak Bank
Mar-18 Mar-18 Mar-18
Key Performance Ratios
Return on Assets (%) 1.64 1.35 1.54
Return on Equity / Networth (%) 16.45 16.4 10.89
Net Interest Margin (X) 3.76 2.47 3.59
Cost to Income (%) 39.62 34.27 39.91
Interest Income/Total Assets (%) 7.54 6.48 7.45
Non-Interest Income/Total Assets (%) 1.43 1.67 1.52
Operating Expenses/Total Assets (%) 2.13 1.66 2.42
Interest Expenses/Total Assets (%) 3.77 4.01 3.85
Valuation Ratios
Enterprise Value (Rs. Cr) 12,98,054 3,34,423 4,08,715
Price To Book Value (X) 4.62 2.73 5.33
Mkt Cap To Sales (X) 6.12 3.46 10.12
Credit/ Deposit Ratio 84.68 97.73 87.35
Investment/ Deposit Ratio 31.88 34.47 31.32
Cash/ Deposit Ratio 9.95 5.35 4.69
 Comparison
Key Performance Ratios HDFC Bank Yes Bank Kotak Bank
Mar-18 Mar-18 Mar-18
Capital Adequacy Ratio 14.80% 18.40% 18.20%
Tier 1 Capital Ratio 13.20% 13.20% 17.60%
Gross NPA (%) 1.30% 1.28% 2.00%
Net NPA (%) 0.40% 0.64% 0.98%
CASA Ratio 43.50% 36.50% 51%

Network
Banking Outlets 4787 1100 1388
ATMs 12635 1724 2199
Cities/ Towns 2691 200