VISE INVESTING

With Vivaan Battish

LETS MEET THE COMPANIES!!!!

Hi! I am HDFC Bank and I

belong to the Private
Bank sector and yes I am
a Large Cap company....
Hi…. I see u have met my
partner, HDFC…..
So we are from the same family,
Private Bank Sector and I am a
Small Cap Company….
 FINANCIALS & MOATS
Company Name: HDFC Bank Ltd Sector: Private Banks Cap Size: Large Cap

Moats: This is the leading private sector bank that has a distinct advantage over its
peers with respect to consistent net interest margin, low NPAs as well as good risk
management system. The other positives at the bank's command are its good network,
strong loan portfolio, well-diversified revenue mix.
Sector PE ratio: 20.95 Company Ratio: 21.05

High Consistent Profits: No High Consistent Debts: Yes

% Change in 2022-2021 % Change in 2021-2020 % Change in 2020-2019

Net Profit 19.53% 16.80% 22.03%

Free Cash Flow -134.80% 320.38% 71.30%
Assets 17.97% 13.83% 22.27%
Liabilities 17.98% 13.18% 23.35%
Company Name: City Union Bank Ltd Sector: Private Banks Cap Size: Small Cap

Moats: City Union Bank (CUB) Ltd is one of the leading scheduled commercial
banks in the private sector with a significant presence in urban, semi-urban and rural
centers in South India. The bank’s segments include Treasury, Corporate Banking,
Retail Banking and other banking operations.

Sector PE ratio: 20.95 Company Ratio: 9.97

High Consistent Profits: Yes High Consistent Debts: Yes

% Change in 2022-2021 % Change in 2021-2020 % Change in 2020-2019

Net Profit 28.37% 24.36% -30.20%

Free Cash Flow 28.75% -52.01% 81.31%
Assets 15.41% 7.19% 9.88%
Liabilities 15.74% 6.82% 9.94%
 Risk Averse Risk Neutral Risk Seeking

Savings 50% 40% 20%

60%
20% 30%
(City Union Bank
Small cap (City Union Bank (City Union Bank Ltd)
Ltd)
Ltd)

30% 20%
30%
Large Cap (HDFC Bank Ltd) (HDFC Bank Ltd)
(HDFC Bank Ltd)
THANK YOU…