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Compare Andhra Bank with PNB - Equitymaster
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ANDHRA BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    ANDHRA BANK PNB ANDHRA BANK/
PNB
 
P/E (TTM) x 16.0 -19.3 - View Chart
P/BV x 0.3 0.6 44.1% View Chart
Dividend Yield % 1.0 0.0 -  

Financials

 ANDHRA BANK   PNB
EQUITY SHARE DATA
    ANDHRA BANK
Mar-16
PNB
Mar-16
ANDHRA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs88167 52.4%   
Low Rs4271 58.6%   
Income per share (Unadj.) Rs258.9258.7 100.1%  
Earnings per share (Unadj.) Rs7.9-19.6 -40.5%  
Cash flow per share (Unadj.) Rs14.3-60.5 -23.6%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.80-  
Book value per share (Unadj.) Rs161.4212.9 75.8%  
Shares outstanding (eoy) m681.161,963.60 34.7%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.20.5 54.2%   
Avg P/E ratio x8.2-6.1 -134.0%  
Avg P/CF ratio x1.31.8 69.6%  
Avg Price/Bookvalue ratio x0.40.6 71.6%  
Dividend payout %6.30-   
Avg Mkt Cap Rs m44,037233,865 18.8%   
No. of employees `00018.770.8 26.3%   
Total wages & salary Rs m17,67965,645 26.9%   
Avg. income/employee Rs Th9,452.67,175.6 131.7%   
Avg. wages/employee Rs Th947.6927.2 102.2%   
Avg. net profit/employee Rs Th289.4-542.8 -53.3%   
INCOME DATA
Interest income Rs m176,347508,039 34.7%  
Other income Rs m15,64569,766 22.4%   
Interest expense Rs m123,137343,306 35.9%   
Net interest income Rs m53,210164,733 32.3%  
Operating expense Rs m29,254103,499 28.3%   
Gross profit Rs m23,95561,234 39.1%  
Gross profit margin %13.612.1 112.7%  
Provisions/contingencies Rs m29,560167,633 17.6%   
Profit before tax Rs m10,040-52,931 -19.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m4,642-16,299 -28.5%   
Profit after tax Rs m5,398-38,430 -14.0%  
Net profit margin %3.1-7.6 -40.5%  
BALANCE SHEET DATA
Advances Rs m1,307,8794,460,830 29.3%   
Deposits Rs m1,743,0245,703,826 30.6%  
Credit/Deposit ratio x75.078.2 95.9%  
Yield on advances %10.38.4 123.2%   
Cost of deposits %6.55.4 122.0%   
Net Interest Margin %2.72.4 114.8%  
Net fixed assets Rs m13,68453,081 25.8%   
Share capital Rs m6,8123,927 173.4%   
Free reserves Rs m50,615295,310 17.1%   
Net worth Rs m109,944418,043 26.3%   
Borrowings Rs m97,156816,737 11.9%   
Investments Rs m538,6421,651,265 32.6%   
Total assets Rs m1,999,6187,127,930 28.1%  
Debt/equity ratio x16.715.6 107.3%   
Return on assets %0.3-0.5 -50.1%  
Return on equity %4.9-9.2 -53.4%  
Capital adequacy ratio %11.613.7 84.8%  
Net NPAs %4.68.6 53.5%  
CASH FLOW
From Operations Rs m77,096141,670 54.4%  
From Investments Rs m-2,707-13,515 20.0%  
From Financial Activity Rs m-61,30359,747 -102.6%  
Net Cashflow Rs m13,086187,902 7.0%  

Share Holding

Indian Promoters % 60.1 58.9 102.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.9 18.7 58.3%  
FIIs % 11.5 17.2 66.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 17.4 5.3 328.3%  
Shareholders   222,746 215,441 103.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   KARNATAKA BANK  ALLAHABAD BANK  CITY UNION BANK  SBI  UNITED BANK OF INDIA  

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



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Aug 18, 2017 (Close)

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