Analysing the financial stability

HDFC BANK
X1=WC/TA
The concept of working capital, also known as net working capital (NWC), does not apply to banks since financial institutio

X2 = Retained Earnings/TA
YEAR 21 20 19 18
Retained earnings 88,608.93 68,940.31 57,479.00 50,155.67
TOTAL ASSETS 1,746,870.52 1,530,511.26 1,244,540.69 1,063,934.32
X2 0.050724383396201 0.0450439744 0.0461849102 0.04714169762

X3 =EBIT/TA
YEAR 21 20 19 18
EBIT 113340.49 107375.94 90478.57 72771.28
TOTAL ASSETS 1,746,870.52 1,530,511.26 1,244,540.69 1,063,934.32
X3 0.064882021135717 0.0701569095 0.0727003711 0.06839828233

X4 = Market Value of Equity/ Book Value of Total Liability = 1/ DE

YEAR 21 20 19 18
Total Debt / Equity(x) 0.05 0.13 0.06 0.06
X4 20 7.6923076923 16.666666667 16.6666666667

X5 = Sales/TA

YEAR 21 20 19 18
SALES TURNOVER 120858.23 114812.65 98972.05 80241.35
TOTAL ASSETS 1,746,870.52 1,530,511.26 1,244,540.69 1,063,934.32
X5 0.069185568487354 0.0750158806 0.0795249611 0.07541945822

SBI
X1=WC/TA
The concept of working capital, also known as net working capital (NWC), does not apply to banks since financial institutio

X2 = Retained Earnings/TA
YEAR 21 20 19 18
Retained Earnings 2,915,718.80 ### ### 2,723,828.70
TOTAL ASSETS 4,534,429.63 3,951,393.92 3,680,914.25 3,454,752.00
X2 0.643017763625543 0.7164363152 0.7461980376 0.78842958916

X3 =EBIT/TA
YEAR 21 20 19 18
EBIT 225994.79 227371.38 209955.8 205156.56
TOTAL ASSETS 4,534,429.63 3,951,393.92 3,680,914.25 3,454,752.00
X3 0.049839739160314 0.0575420686 0.0570390359 0.05938387473

X4 = Market Value of Equity/ Book Value of Total Liability = 1/ DE

YEAR 21 20 19 18
Total Debt / Equity(x) 0.06 0.06 0.06 0.07
X4 16.6666666666667 16.666666667 16.666666667 14.2857142857

X5 = Sales/TA

YEAR 21 20 19 18
SALES TURNOVER 265150.63 257323.59 242868.65 220499.31
TOTAL ASSETS 4,534,429.63 3,951,393.92 3,680,914.25 3,454,752.00
X5 0.05847496854858 0.0651222316 0.06598052372 0.063824931573
banks since financial institutions do not have typical current assets and liabilities.

17
38,077.33
863,840.19
0.04407913691

17
61899.11
863,840.19
0.07165574225

17
0.06
16.6666666667

17
69305.96
863,840.19
0.08023007126

banks since financial institutions do not have typical current assets and liabilities.

17
2,654,016.60
2,705,966.30
0.98080179343

17
164506.4
2,705,966.30
0.06079395741

17
0.07
14.2857142857

17
175518.24
2,705,966.30
0.064863424205