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Retail Competition, Asset Quality a Worry
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powered by bluebytes Saturday , January 19, 2013 Retail Competition, Asset Quality a Worry Publication: The Economic Times , Agency:Bureau Edition:Pune/Mumbai , Page No: 12, Location: BottomCenter , Size(sq.cms): 200 Retail Competition, Asset Quality a Worry MECHA SARAF ETINTELLICENCE GROUP When it comes to HDFC Bank, there are hardly any surprises during the earnings season as analysts and in vestors have realised over the past few years. For the 35th consecutive quarter, HDFC Bank, India's thirdlargest pri vate lender, posted a 30% yearon year growth in its net profit, driven by a higher fee income, stable margins and robust asset quality. The bank's loan book expanded 24% yearonyear, supported by retail and corporate loans. However, the major contributor was retail loans, growing at 28 %. Auto loans and credit to mediu m
a n d s m a l l e n t e r p r i s e s (MSME), which constitute 40 % of the total portfolio, were the major drivers of the retail loan book. T h e u n s e c u r e d p o r t f o l i ocredit cards and personal loans business al so grew substantially. Its current and savings account or CASA ratio con tinued to be stable at 45.4%, helping the bank to maintain a stable cost of funds and margins. Net interest mar gin, which is the difference be CALCULUS HDFC BANK tween yield on a d v a n c e s a n d cost of deposits, was lower marginally from the last quarter. Still at 4.1%, it was within the 3.94.2% range as guided by the bank and continues to be one of the highest in the industry. Net interest income, or the difference between interest earned and interest s p e n t , w a s s l i g h t l y l o we r t h a n expectations as loan growth was slightly lower than usual. However, higher fee income and sta ble provisioning helped the bank to compensate this slowdown and report a consistent bottom line growth. However, for the quarter to December, the bank showed some stress on asset quality Bad loans increased 14% sequen tially on an absolute basis. More than 80% of this Rs.298 crore rise in bad loans can be attributed to retail assets, with 50% of it coming from the commercial vehicles and construction equipment segment. However, the bad loanstototal loans (gross) ratio was just 1% and with a provisioning coverage ratio of 80% this is not a very serious concern. Almost all b a n k s a r e t a r g e t i n g t h e retail s e g m e n t t o s u p p o r t l o a n growth. Hence, HDFC Bank will also have to reckon with increased competition u n l e s s i n v e s t m e n t a c t i v i t y picks up. Asset quality might also be under pressure, especially, in the retail segment. At Rs.662.70, HDFC Bank is trading at a price to book value of 4.5 FY13. At this valuation, all the posi tives have already been factored in and there appears to be limited upside. megha.saraf@timesgroup.com
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