Scribd
Upload
33 views

15 Ratios For Fundamental Analysis of Banking Sector Ratios HDFC Bank

The document provides 15 key financial ratios for analyzing the banking sector for HDFC Bank and ICICI Bank from 2016 to 2020. Some key metrics that remained relatively stable for HDFC Bank over the period included net interest margin around 4%, cost to income ratio around 38-40%, return on assets around 1.7%, and gross NPAs at 1%. For ICICI Bank, net interest margin declined from 2.75% to 2.91%, cost to income ratio increased from 39% to 49%, and return on equity decreased from 11.15% to 7.78% over the period. Both banks saw steady growth in total advances and deposits.

Uploaded by

santu
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
33 views

15 Ratios For Fundamental Analysis of Banking Sector Ratios HDFC Bank

The document provides 15 key financial ratios for analyzing the banking sector for HDFC Bank and ICICI Bank from 2016 to 2020. Some key metrics that remained relatively stable for HDFC Bank over the period included net interest margin around 4%, cost to income ratio around 38-40%, return on assets around 1.7%, and gross NPAs at 1%. For ICICI Bank, net interest margin declined from 2.75% to 2.91%, cost to income ratio increased from 39% to 49%, and return on equity decreased from 11.15% to 7.78% over the period. Both banks saw steady growth in total advances and deposits.

Uploaded by

santu
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
You are on page 1/ 2

15 RATIOS FOR FUNDAMENTAL ANALYSIS OF BANKING SECTOR

RATIOS HDFC BANK


2016 2017 2018 2019 2020
Interest Income 63,161.56 73,271.35 85,287.84 105,160.74 122,189.30
Net Interest Income 29,165.09 38,435.52 51,025.79 65,983.20 77,523.78
Net Interest Margin 3.98% 3.94% 3.88% 3.97% 3.79%
Cost to Income Ratio 37% 38% 40% 38% 39%
Net Profit 12,817.33 15,287.40 18,560.84 22,445.61 27,296.27
Return On Assets (ROA) 1.75% 1.70% 1.67% 1.72% 1.72%
Return On Equity (ROE) 17.22% 16.61% 16.88% 14.53% 15.40%
Total Advances 464,593.96 554,568.20 658,333.09 819,401.22 993,702.88
Total Deposits 545,873.29 643,134.25 788,375.14 922,502.68 1,146,207.14
Loans to Deposit Ratio or Credit
to Deposit Ratio 10% 10% 12% 16% 13%
CASA Ratio 43% 48% 43% 42% 42%
Gross NPAs 1% 1% 1% 1% 1%
Net NPAs 0% 0% 0% 0% 0%
Provision Coverage Ratio (PCR)
Capital Adequacy Ratio (CAR) 16% 15% 15% 17% 19%
OF BANKING SECTOR
ICICI BANK
2016 2017 2018 2019 2020
59,293.71 60,939.98 62,162.35 71,981.65 84,835.77
25,224.14 22,898.40 19,780.87 18,268.96 22,698.34
2.75% 2.64% 2.48% 2.64% 2.91%
39% 43% 47% 49% 46%
10,926.89 11,340.33 9,099.54 5,689.16 11,050.25
1.10% 1.03% 0.68% 0.34% 0.69%
11.15% 10.03% 7.16% 3.72% 7.78%
435,263.94 464,232.08 512,395.29 586,646.58 -
451,077.39 512,587.26 585,796.11 681,316.94 800,784.46

48% 41% 30% 33% 25%


45% 50% 51% 51% 45%
6% 9% 0% 7% 6%
3% 5% 5% 2% 1%

17% 17% 18% 17% 16%

You might also like