Banking Battle In India

Banking Battle In India

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The banking battle in India is very strong and very competative. Economic developement in India is impossible if there is an insufficient capital formation in the country. The banks encourage people to save their money and utilize that money for investing. We will discuss the top banks in india and we will compare their financials. This details of banking battle in India will help to take the good decisions for investments.

As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently capitalised and well-regulated. The financial and economic conditions in the country are far superior to any other country in the world. Credit, market and liquidity risk studies suggest that Indian banks are generally resilient and have withstood the global downturn well. So now we will discuss the banking battle in india.

Banking Battle In India

Banking Battle in India –

In this Banking Battle in India, we will discuss the five banks.

HDFC Bank –

Banking Battle In India

HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai. It is India’s largest private sector bank by assets and world’s 10th largest bank by market capitalisation as of April 2021. It is the third largest company by market capitalisation of $122.50 billion on the Indian stock exchanges. It is also the fifteenth largest employer in India with nearly 120,000 employees.

ICICI Bank –

Banking Battle In India

ICICI Bank Limited is an Indian multinational bank and financial services company headquartered in Vadodara. It offers a wide range of banking products and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of investment banking, life, non-life insurance, venture capital and asset management.

Axis Bank –

Banking Battle In India

Axis Bank Limited, formerly known as UTI Bank (1993–2007), is an Indian banking and financial services company headquartered in Mumbai, Maharashtra. It sells financial services to large and mid-size companies, SMEs and retail businesses.

State Bank Of India –

Banking Battle In India

State Bank of India (SBI) is an Indian multinational public sector bank and financial services statutory body headquartered in Mumbai, Maharashtra. SBI is the 43rd largest bank in the world and ranked 221st in the Fortune Global 500 list of the world’s biggest corporations of 2020, being the only Indian bank on the list. It is a public sector bank and the largest bank in India with a 23% market share by assets and a 25% share of the total loan and deposits market. It is also the fifth largest employer in India with nearly 250,000 employees.

Kotak Mahindra Bank –

Banking Battle In India

Kotak Mahindra Bank Limited is an Indian banking and financial services company headquartered in Mumbai. It offers banking products and financial services for corporate and retail customers in the areas of personal finance, investment banking, life insurance, and wealth management. It is India’s third largest private sector bank by assets and by market capitalisation as of November 2021.

Now we will discuss the banking battle in India step by step by comparing their financials, sales and profits.

Sales / Revenue –

BANK201720182019202020212022
HDFC Bank73,27185,2881,05,1611,22,1891,28,5521,35,936
YOY CHANGE %16%23%16%5%6%
ICICI Bank60,94062,16271,98284,83689,16395,407
YOY CHANGE %2%16%18%5%7%
Axis Bank45,17546,61456,04463,71664,69668,846
YOY CHANGE %3%20%14%2%6%
State Bank of India2,30,4472,28,9702,53,3222,69,8522,78,1152,89,973
YOY CHANGE %-1%11%7%3%4%
Kotak Mahindra Bank22,32425,13129,83133,47432,82033,740
YOY CHANGE %13%19%12%-2%3%
Rs Cr.

Profits / Earnings –

BANK201720182019202020212022
HDFC Bank15,31518,56122,44627,29631,85738,151
YOY CHANGE %21%21%22%17%20%
ICICI Bank11,3409,1005,689    11,22520,36426,538
YOY CHANGE %-20%-37%97%81%30%
Axis Bank3,9674645,047      1,8797,25214,164
YOY CHANGE %-88%988%-63%286%95%
State Bank of India-391-4,1873,069    18,17724,28036,356
YOY CHANGE %492%34%50%
Kotak Mahindra Bank4,9496,1477,120      8,6079,90311,932
YOY CHANGE %24%16%21%15%20%
Rs Cr.

Now we will move towards the profitability ratio to understand this banking battle in India.

Return On Equity (ROE) –

BANK20172018201920202021
HDFC Bank17%17%15%15%15%
ICICI Bank11%8%5%9%13%
Axis Bank7%1%7%2%7%
State Bank of India0%-2%1%7%9%
Kotak Mahindra Bank13%12%12%13%12%

Return On Capital Employed (ROCE) –

BANK20172018201920202021
HDFC Bank7%7%7%7%6%
ICICI Bank6%5%5%6%5%
Axis Bank6%4%5%5%5%
State Bank of India5%4%4%5%4%
Kotak Mahindra Bank8%7%7%7%6%

Return On Assets (ROA) –

BANK201720182019202020212022
HDFC Bank1.701.671.721.721.761.79
ICICI Bank1.030.680.340.691.161.43
Axis Bank0.640.060.610.190.711.18
State Bank of India-0.120.050.470.460.68
Kotak Mahindra Bank1.781.831.821.932.08
Banking Battle In India

Now we will discuss the earning ratios to compare the banking battle in India.

Earnings Per Share (EPS) –

BANK201720182019202020212022
HDFC Bank29.935.841.249.857.868.8
ICICI Bank17.714.28.817.329.438.2
Axis Bank16.61.819.66.723.746.1
State Bank of India-0.5-4.73.420.427.240.7
Kotak Mahindra Bank26.932.337.3455060.1

Price To Earnings Ratio –

BANK201720182019202020212022
HDFC Bank24.126.428.117.325.821.4
ICICI Bank14.219.745.418.719.819.1
Axis Bank29.6282.439.656.929.516.5
State Bank of India-598.8-53.393.39.713.412.1
Kotak Mahindra Bank32.432.535.828.835.129.2

Now we will discuss the CFO/Profit ratio to understand cash flow of the banks which will help us to understand the banking battle in India.

CFO / Profit –

BANK201720182019202020212022
HDFC Bank1.130.93-2.80-0.621.33-0.31
ICICI Bank4.642.138.567.096.782.19
Axis Bank8.12-82.737.3616.191.741.99
State Bank of India23.059.631.323.701.59
Kotak Mahindra Bank2.67-1.690.265.420.490.71

The CASA ratio is the important terms to understand the banking business. This ratio will helps us to get the best bank for the investment in the banking battle in India.

CASA (%) –

BANK20172018201920202021
HDFC Bank48.0343.4842.3542.1846.07
ICICI Bank49.951.3248.7744.8346.16
Axis Bank51.2253.4844.1841.0044.84
State Bank of India43.7044.4545.7444.1745.40
Kotak Mahindra Bank44.3450.8452.4656.3560.47

The next point we will discuss in banking battle in India is Net NPA. NPA means Non-Performing Assets.

Net NPA (%) –

BANK201720182019202020212022
HDFC Bank0.330.400.390.360.400.32
ICICI Bank4.894.772.061.411.140.76
Axis Bank2.113.402.061.561.050.73
State Bank of India3.715.733.012.231.501.02
Kotak Mahindra Bank1.260.980.750.711.210.64

Net Interest Margin (%)

BANK201720182019202020212022
HDFC Bank3.943.883.973.793.853.64
ICICI Bank2.642.482.652.912.953.09
Axis Bank3.002.702.722.772.942.83
State Bank of India2.362.272.502.592.512.58
Kotak Mahindra Bank3.953.743.733.964.14

The sales growth and profit growth are useful to measure the growth of the banks which will help us to understand the best banks in terms of the growth rates in banking battle in India.

Sales Growth –

BANK10 Years5 Years3 Years
HDFC Bank16%13.2%8.9%
ICICI Bank8.7%9.4%9.8%
Axis Bank10.9%8.8%7.1%
State Bank of India6.3%4.7%4.6%
Kotak Mahindra Bank13.4%8.6%4.2%

Profit Growth –

BANK10 Years5 Years3 Years
HDFC Bank19.8%16.8%14.0%
ICICI Bank11.1%20.4%67.8%
Axis Bank10.6%26.0%35.6%
State Bank of India7.5%120.9%112.0%
Kotak Mahindra Bank19.8%16.8%14.7%

To understand this banking battle in India, you can check the financial details on below links,

  1. Moneycontrol
  2. Yahoo Finance
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