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Topic: ICICI Bank vs. HDFC Bank.

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Author	Message
basant Admin Group Joined: 01/Jan/2006 Location: India Online Status: Offline Posts: 18403	Posted: 23/Jan/2007 at 2:47pm
	See ICICI bank will grow top line at more then HDFC bank but market pays for EPS growth though EPS growth in ICICI could be higher then HDFC Bank the latter had a kind of solidity in earnings and an assured 30% CAGR year after year for 10 years. This is something that I do not think ICICI bank could guarantee because ICICI Bank is becoming very large and when you become that large you kind of replicate the industry so if the Banking industry is not growing at 30% it would be difficult for ICICI to grow EPS 30% for say 10 years.But ICICI is a very good business to own also just that I prefer HDFC Bank.
	'The Thoughtful Investor: A Journey to Financial Freedom Through Stock Market Investing' - A Book on Equity Investing especially for Indian Investors. Book your copy now: www.thethoughtfulinvestor.in
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tigershark Senior Member Joined: 13/Oct/2006 Location: India Online Status: Offline Posts: 3542	Posted: 30/Jan/2007 at 4:03pm
	et dated 29012007 carries a great interview of one mr aditya puri highlights are as follows from autopilt mode hdfc bank plans to geow more agressively plans to raise capital in the next 12months how it will has not been decided have bcom big players in comm exc mkts and have penetrated the mandis now 40% business is coming from non metro areas.clearing house for nse and the stock lending business is not risky as certain poeple think it to be.with the economy growing at 8% growth may have just begun at hdfc bank.all hdfc bank shareholders need read this interview.
	understanding both the power of compound return and the difficulty getting it is the heart and soul of understanding a lot of things
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deveshkayal Senior Member Joined: 04/Sep/2006 Online Status: Offline Posts: 3903	Posted: 16/Feb/2007 at 10:09pm
	Strengths and Weaknesses of the two banks ICICI Bank *Strengths* Strong Balance Sheet Expanding international and rural business Well-established subsidiaries in life and non-life insurance and AMC business Strong Bench-strength *Weaknesses* Frequent capital dilution Lesser share in low-cost deposits,still to fix liability mix Large retail portfolio may breed NPAs going forward No promoters,shareholding quite scatterred HDFC Bank *Strengths* Large share of low-cost deposits,higher net interest margin Better quality of assests,NPA of 0.4 per cent Free Float available,FIIs can buy its stock Higher profitability *Weaknesses* Marginal international presence No next line of leadership Not very aggressive in M&A space,growing only organically Possible takeover target (I think Citigroup is holding some stakes)
	"You don't need to be a rocket scientist. Investing is not a game where the guy with the 160 IQ beat the guy with a 130 IQ. Rationality is essential"- Warren Buffett
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kulman Senior Member Joined: 02/Sep/2006 Location: India Online Status: Offline Posts: 9319	Posted: 16/Feb/2007 at 10:20pm
	GOOD ! Devesh jee....is it sourced or your own?
	Life can only be understood backwards—but it must be lived forwards
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deveshkayal Senior Member Joined: 04/Sep/2006 Online Status: Offline Posts: 3903	Posted: 16/Feb/2007 at 10:25pm
	Everything is sourced,but i dont think source is to be put in above post.Some members have taken my job of postman,i dont want to leave it.(especially in media sector)
	"You don't need to be a rocket scientist. Investing is not a game where the guy with the 160 IQ beat the guy with a 130 IQ. Rationality is essential"- Warren Buffett
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PrashantS Senior Member Joined: 14/Oct/2006 Online Status: Offline Posts: 1294	Posted: 16/Feb/2007 at 10:59pm
	hey is this a coincidence ...i just read this article yesterday http://www.tmcnet.com/usubmit/2007/02/14/2335820.htm
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Mohan Senior Member Joined: 09/Feb/2007 Location: United States Online Status: Offline Posts: 1855	Posted: 16/Feb/2007 at 11:08pm
	ICICI focus is more on Quantitaitve growth HDFC focus is Qualitative quantity growth. Very focussed
	Be fearful when others are greedy and be greedy when others are fearful.
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basant Admin Group Joined: 01/Jan/2006 Location: India Online Status: Offline Posts: 18403	Posted: 23/Feb/2007 at 8:13pm
	The interest rate upcycle will send opportunities to buy HDFC bank. Long term investors who have a more then 5 years view should capitalize on these opportunities to buy the retail focussed banking stocks as part of the long term portfolio.
	'The Thoughtful Investor: A Journey to Financial Freedom Through Stock Market Investing' - A Book on Equity Investing especially for Indian Investors. Book your copy now: www.thethoughtfulinvestor.in
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