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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 16.2 19.5 83.2% View Chart
P/BV x 0.3 3.1 9.1% View Chart
Dividend Yield % 1.0 0.8 129.0%  

Financials

 ANDHRA BANK   CITY UNION BANK
EQUITY SHARE DATA
    ANDHRA BANK
Mar-16
CITY UNION BANK
Mar-16
ANDHRA BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs8898 89.3%   
Low Rs4277 54.4%   
Income per share (Unadj.) Rs258.949.2 526.0%  
Earnings per share (Unadj.) Rs7.97.4 106.6%  
Cash flow per share (Unadj.) Rs14.315.5 91.9%  
Dividends per share (Unadj.) Rs0.501.20 41.7%  
Avg Dividend yield %0.81.4 56.4%  
Book value per share (Unadj.) Rs161.451.0 316.4%  
Shares outstanding (eoy) m681.16598.19 113.9%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x0.21.8 14.1%   
Avg P/E ratio x8.211.8 69.3%  
Avg P/CF ratio x1.37.7 16.3%  
Avg Price/Bookvalue ratio x0.41.7 23.4%  
Dividend payout %6.316.1 39.1%   
Avg Mkt Cap Rs m44,03752,312 84.2%   
No. of employees `00018.74.5 413.0%   
Total wages & salary Rs m17,6792,132 829.3%   
Avg. income/employee Rs Th9,452.66,518.1 145.0%   
Avg. wages/employee Rs Th947.6471.9 200.8%   
Avg. net profit/employee Rs Th289.4984.5 29.4%   
INCOME DATA
Interest income Rs m176,34729,442 599.0%  
Other income Rs m15,6454,100 381.6%   
Interest expense Rs m123,13719,632 627.2%   
Net interest income Rs m53,2109,810 542.4%  
Operating expense Rs m29,2545,577 524.5%   
Gross profit Rs m23,9554,233 565.9%  
Gross profit margin %13.614.4 94.5%  
Provisions/contingencies Rs m29,5602,306 1,281.9%   
Profit before tax Rs m10,0406,027 166.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m4,6421,580 293.8%   
Profit after tax Rs m5,3984,447 121.4%  
Net profit margin %3.115.1 20.3%  
BALANCE SHEET DATA
Advances Rs m1,307,879210,569 621.1%   
Deposits Rs m1,743,024271,581 641.8%  
Credit/Deposit ratio x75.077.5 96.8%  
Yield on advances %10.311.2 91.6%   
Cost of deposits %6.57.1 92.4%   
Net Interest Margin %2.73.3 84.0%  
Net fixed assets Rs m13,6842,176 629.0%   
Share capital Rs m6,812598 1,138.7%   
Free reserves Rs m50,61519,301 262.2%   
Net worth Rs m109,94430,520 360.2%   
Borrowings Rs m97,1561,126 8,632.2%   
Investments Rs m538,64263,245 851.7%   
Total assets Rs m1,999,618312,520 639.8%  
Debt/equity ratio x16.78.9 187.3%   
Return on assets %0.31.4 19.0%  
Return on equity %4.914.6 33.7%  
Capital adequacy ratio %11.615.6 74.3%  
Net NPAs %4.61.5 301.3%  
CASH FLOW
From Operations Rs m77,0961,985 3,884.7%  
From Investments Rs m-2,707-600 451.3%  
From Financial Activity Rs m-61,303-752 8,155.2%  
Net Cashflow Rs m13,086633 2,067.3%  

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:   SBI  ORIENTAL BANK  PUNJAB & SIND BANK  DENA BANK  KOTAK MAH. BANK  

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



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