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Compare Andhra Bank with City Union Bank - Equitymaster
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ANDHRA BANK vs CITY UNION BANK - Comparison Results

ANDHRA BANK    Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    ANDHRA BANK CITY UNION BANK ANDHRA BANK/
CITY UNION BANK
 
P/E (TTM) x -11.0 19.2 - View Chart
P/BV x 0.2 2.9 8.4% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 ANDHRA BANK   CITY UNION BANK
EQUITY SHARE DATA
    ANDHRA BANK
Mar-17
CITY UNION BANK
Mar-17
ANDHRA BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs65169 38.3%   
Low Rs4593 48.2%   
Income per share (Unadj.) Rs267.552.8 506.5%  
Earnings per share (Unadj.) Rs3.08.4 36.3%  
Cash flow per share (Unadj.) Rs22.918.0 127.4%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs167.859.4 282.5%  
Shares outstanding (eoy) m681.16601.06 113.3%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.22.5 8.3%   
Avg P/E ratio x18.015.6 115.0%  
Avg P/CF ratio x1.19.8 11.1%  
Avg Price/Bookvalue ratio x0.32.2 14.8%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m37,22578,589 47.4%   
No. of employees `00019.44.7 413.3%   
Total wages & salary Rs m21,3652,981 716.6%   
Avg. income/employee Rs Th9,400.66,768.6 138.9%   
Avg. wages/employee Rs Th1,102.4635.8 173.4%   
Avg. net profit/employee Rs Th106.91,072.2 10.0%   
INCOME DATA
Interest income Rs m182,18331,738 574.0%  
Other income Rs m30,8564,840 637.6%   
Interest expense Rs m124,96019,750 632.7%   
Net interest income Rs m57,22311,988 477.3%  
Operating expense Rs m44,0466,890 639.3%   
Gross profit Rs m13,1775,098 258.5%  
Gross profit margin %7.216.1 45.0%  
Provisions/contingencies Rs m32,3663,010 1,075.4%   
Profit before tax Rs m3,9216,928 56.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,8501,900 97.4%   
Profit after tax Rs m2,0715,028 41.2%  
Net profit margin %1.115.8 7.2%  
BALANCE SHEET DATA
Advances Rs m1,368,709238,327 574.3%   
Deposits Rs m1,954,759301,157 649.1%  
Credit/Deposit ratio x70.079.1 88.5%  
Yield on advances %9.910.9 91.4%   
Cost of deposits %6.06.4 92.8%   
Net Interest Margin %2.63.6 74.1%  
Net fixed assets Rs m15,4272,151 717.3%   
Share capital Rs m6,812601 1,133.2%   
Free reserves Rs m50,35522,455 224.2%   
Net worth Rs m114,29235,702 320.1%   
Borrowings Rs m88,6695,310 1,669.8%   
Investments Rs m623,89070,315 887.3%   
Total assets Rs m2,254,463352,708 639.2%  
Debt/equity ratio x17.98.6 208.3%   
Return on assets %0.11.4 6.4%  
Return on equity %1.814.1 12.9%  
Capital adequacy ratio %12.415.8 78.2%  
Net NPAs %7.61.7 442.7%  
CASH FLOW
From Operations Rs m106,6942,836 3,762.0%  
From Investments Rs m-1,587-503 315.4%  
From Financial Activity Rs m-17,004-44 38,822.1%  
Net Cashflow Rs m88,1032,289 3,848.8%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.9 10.2 106.9%  
FIIs % 11.5 33.4 34.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 17.4 56.0 31.1%  
Shareholders   222,746 82,699 269.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   ORIENTAL BANK  KARUR VYSYA BANK  UNION BANK  SBI  DCB BANK  

Compare ANDHRA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Feb 19, 2018 03:37 PM

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