ABOUT THE COMPANY

JOHN OLDEST
MATTHAI, COMMERCIAL
PUBLIC SECTOR
MUMBAI - BANK
BANK IN THE
MAHARASHTR INDIAN
A SUBCONTINENT

43RD LARGEST
BANK IN THE
IMPERIAL BANK WORLD & DINESH KUMAR
OF INDIA RANKED 221 KHARA
IN FORTUNE
GLOBAL 500
BALANCE SHEET
PROFIT AND LOSS
 PEER COMPARISON –
HDFC BANK
NUMBER OF CUSTOMERS AS OF MAR 2021 NUMBER OF BRANCHES AS OF MARCH
2021
> 45
22,219

5,653
6.18
SBI (IN CRORE) HDFC (IN CRORE) SBI HDFC

MARKET CAPITALISATION:
• SBI: 4.12L CR
• HDFC: 8.02L CR
 RATIO ANALYSIS
CURRENT RATIO QUICK RATIO
HDFC SBI HDFC SBI

0.91 0.94 0.91 0.94

0.88 0.87 0.88 0.87
0.78 0.81
0.78 0.78 0.81
0.78
0.73
0.69 0.73
0.69
0.63 0.63

2021 2020 2019 2018 2017 2021 2020 2019 2018 2017

DEBT TO EQUITY RATIO INTEREST COVERAGE RATIO

HDFC SBI HDFC SBI
1.76 8.54
1.57 1.60 1.55 7.56 7.86 7.81
1.43 7.32
1.33
1.06 1.03 1.07
0.85

1.18 1.21 1.06 0.94 1.03

2021 2020 2019 2018 2017 2021 2020 2019 2018 2017

SOLVENCY RATIO
 RATIO ANALYSIS
DEBT TO ASSET RATIO FINANCIAL LEVERAGE
HDFC SBI HDFC SBI

0.14 17.58
16.72 16.58
0.12 15.70 15.86
0.12
0.11 0.11
0.10 0.10 0.10
0.09
0.08

0.49 0.58 0.58 0.66 0.68

2021 2020 2019 2018 2017 2021 2020 2019 2018 2017

DEBT SERVICE COVERAGE

HDFC SBI
3.34
2.78
2.14
1.38 1.49
1.47 1.25
0.76
2021 2020 2019 2018 2017
-0.90

-4.00

SOLVENCY RATIO
 RATIO ANALYSIS
NET PROFIT RATIO OPERATING PROFIT RATIO
HDFC SBI HDFC SBI

25.74 4.89 3.48 2.82 3.25

2.6
22.86 21.79
21.29 20.99 2021 2020 2019 2018 2017

8.73
6.73
1.21 -29.82 -29.63 -29.14 -29.76
-0.16
2021 2020 2019 -1.82
2018 2017 -35.7

EARNING PER SHARE RETURN ON EQUITY

HDFC SBI HDFC SBI

78.65
16.45 16.26
67.76 15.27 15.35
14.12
56.58 57.18
48.01
8.51 8.14
25.11 22.15
0.99 0.12
2.58 0.31 2021 2020 2019 2018
-2.04 2017
2021 2020 2019 -5.34
2018 2017

PROFITABILITY RATIO
 CONCLUSION
HDFC IS PERFORMING BETTER IN TERMS OF
THE RATIO

BETTER RETURNS TO CUSTOMERS

ACQUIRED 48.2% OF THE SHARES OF YES BANK

THANK YOU !
SUBMITTED BY:
S ANJALLEE KUMAR
MAHIMA TIWARI
HARSHIT SHARMA
P JANE CHRISTINA
PRATIBHA CHAURASIA