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Compare Andhra Bank with Indian Overseas Bank - Equitymaster
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ANDHRA BANK vs INDIAN OVERSEAS 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

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Current Valuations

    ANDHRA BANK INDIAN OVERSEAS BANK ANDHRA BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x -11.0 -0.7 - View Chart
P/BV x 0.2 0.2 157.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 ANDHRA BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    ANDHRA BANK
Mar-17
INDIAN OVERSEAS BANK
Mar-16
ANDHRA BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs6548 135.8%   
Low Rs4521 212.3%   
Income per share (Unadj.) Rs267.5130.1 205.5%  
Earnings per share (Unadj.) Rs3.0-18.7 -16.2%  
Cash flow per share (Unadj.) Rs22.9-32.1 -71.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs167.886.7 193.6%  
Shares outstanding (eoy) m681.161,807.27 37.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.3 77.5%   
Avg P/E ratio x18.0-1.8 -982.1%  
Avg P/CF ratio x1.11.9 56.3%  
Avg Price/Bookvalue ratio x0.30.4 82.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m37,22561,989 60.1%   
No. of employees `00019.4NA-   
Total wages & salary Rs m21,36533,904 63.0%   
Avg. income/employee Rs Th9,400.6NM-  
Avg. wages/employee Rs Th1,102.4NM-  
Avg. net profit/employee Rs Th106.9N.A.-  
INCOME DATA
Interest income Rs m182,183235,173 77.5%  
Other income Rs m30,85625,283 122.0%   
Interest expense Rs m124,960181,346 68.9%   
Net interest income Rs m57,22353,827 106.3%  
Operating expense Rs m44,04650,255 87.6%   
Gross profit Rs m13,1773,572 368.9%  
Gross profit margin %7.21.5 476.2%  
Provisions/contingencies Rs m32,36666,136 48.9%   
Profit before tax Rs m3,921-42,179 -9.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,850-8,308 -22.3%   
Profit after tax Rs m2,071-33,872 -6.1%  
Net profit margin %1.1-14.4 -7.9%  
BALANCE SHEET DATA
Advances Rs m1,368,7091,608,607 85.1%   
Deposits Rs m1,954,7592,245,142 87.1%  
Credit/Deposit ratio x70.071.6 97.7%  
Yield on advances %9.910.4 95.9%   
Cost of deposits %6.07.2 82.6%   
Net Interest Margin %2.62.1 128.2%  
Net fixed assets Rs m15,42732,705 47.2%   
Share capital Rs m6,81218,073 37.7%   
Free reserves Rs m50,35589,452 56.3%   
Net worth Rs m114,292156,658 73.0%   
Borrowings Rs m88,669271,833 32.6%   
Investments Rs m623,890791,896 78.8%   
Total assets Rs m2,254,4632,744,368 82.1%  
Debt/equity ratio x17.916.1 111.3%   
Return on assets %0.1-1.2 -7.4%  
Return on equity %1.8-21.6 -8.4%  
Capital adequacy ratio %12.49.7 128.2%  
Net NPAs %7.611.9 63.7%  
CASH FLOW
From Operations Rs m106,694-15,515 -687.7%  
From Investments Rs m-1,587-2,536 62.6%  
From Financial Activity Rs m-17,004-8,472 200.7%  
Net Cashflow Rs m88,103-26,523 -332.2%  

Share Holding

Indian Promoters % 60.1 73.8 81.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.9 15.3 71.2%  
FIIs % 11.5 1.9 605.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 17.4 9.1 191.2%  
Shareholders   222,746 250,609 88.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   PUNJAB & SIND BANK  ALLAHABAD BANK  CITY UNION BANK  FEDERAL BANK  KARUR VYSYA BANK  

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



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