Q3 results for Private Banks results are out.
A thread ๐งต comparing the loan book mix and annual/ yoy growth across segments for:
- HDFC Bank
- ICICI Bank
- Kotak Mahindra Bank
- Axis Bank
- IndusInd Bank
1/n
A thread ๐งต comparing the loan book mix and annual/ yoy growth across segments for:
- HDFC Bank
- ICICI Bank
- Kotak Mahindra Bank
- Axis Bank
- IndusInd Bank
1/n
1. HDFC Bank
- Total advances: Rs 15.2 lakh cr
- Mix of Retail: Commercial: Corporate 40%: 38%: 26%
- Growth of above = 20%/ 30%/ 20%
- Balanced growth across segments
Highlight:
1. Largest Personal loan book; double of ICICI Bank
2. Went slow in Corporate lending this qtr
2/n
- Total advances: Rs 15.2 lakh cr
- Mix of Retail: Commercial: Corporate 40%: 38%: 26%
- Growth of above = 20%/ 30%/ 20%
- Balanced growth across segments
Highlight:
1. Largest Personal loan book; double of ICICI Bank
2. Went slow in Corporate lending this qtr
2/n
2. ICICI Bank
- Total advances: Rs 9.74 lakh cr
- Mix of Retail: Commercial: Corporate 54%: 24%: 23%
- Growth of above = 23%/ 16%/ 18%
Highlight:
1. Aggressive on Personal Loan and Credit cards - grown at 42-51% vs 23% for HDFC Bank
2. Home Loan and LAP are 1/3rd of book
3/n
- Total advances: Rs 9.74 lakh cr
- Mix of Retail: Commercial: Corporate 54%: 24%: 23%
- Growth of above = 23%/ 16%/ 18%
Highlight:
1. Aggressive on Personal Loan and Credit cards - grown at 42-51% vs 23% for HDFC Bank
2. Home Loan and LAP are 1/3rd of book
3/n
3. Kotak Mahindra Bank
- Total advances of Rs 3.1 lakh cr, which is 1/3rd of ICICI and 1/5th of HDFCB
- Mix of Retail: Com: Corp 54%: 24%: 23%
- Growth = 33%/22%/2%
Highlight:
1. KMB is now aggressive in PL & CC lending + Microfinance (121%)
2. Cautious on Corporate lending
4/n
- Total advances of Rs 3.1 lakh cr, which is 1/3rd of ICICI and 1/5th of HDFCB
- Mix of Retail: Com: Corp 54%: 24%: 23%
- Growth = 33%/22%/2%
Highlight:
1. KMB is now aggressive in PL & CC lending + Microfinance (121%)
2. Cautious on Corporate lending
4/n
4. Axis Bank
- Total advances: Rs 7.6 lakh cr
- Mix of Retail: SME: Corporate 56%: 11%: 33%
- Growth of above = 17%/ 24%/ 8%
Highlight:
1. Aggressive in Small business banking (up 60%)
2. Axis has highest mix of Corp lending in peers, but focus on growing (Retail + SME)
5/n
- Total advances: Rs 7.6 lakh cr
- Mix of Retail: SME: Corporate 56%: 11%: 33%
- Growth of above = 17%/ 24%/ 8%
Highlight:
1. Aggressive in Small business banking (up 60%)
2. Axis has highest mix of Corp lending in peers, but focus on growing (Retail + SME)
5/n
5. IndusInd Bank
- Total advances: Rs 2.7 lakh cr
- Mix of Consumer: Corporate 53%: 47%
Highlight:
1. In retail, IndusInd is a Vehicle loan and Microfinance focused lender. Unlike others, it has a small Personal loan and Home Loan book
2. Large Corp. loan book of 47%
6/n
- Total advances: Rs 2.7 lakh cr
- Mix of Consumer: Corporate 53%: 47%
Highlight:
1. In retail, IndusInd is a Vehicle loan and Microfinance focused lender. Unlike others, it has a small Personal loan and Home Loan book
2. Large Corp. loan book of 47%
6/n
Thread to continue.
Next: We plan to share segment wise infographics comparing Banks. Stay tuned and do follow us for more @ICICI_Direct
Disclaimer: bit.ly
Next: We plan to share segment wise infographics comparing Banks. Stay tuned and do follow us for more @ICICI_Direct
Disclaimer: bit.ly
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