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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 -0.3 -0.7 - View Chart
P/BV x 0.2 0.3 50.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 ANDHRA BANK   PNB
EQUITY SHARE DATA
    ANDHRA BANK
Mar-18
PNB
Mar-18
ANDHRA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs76214 35.6%   
Low Rs3393 35.0%   
Income per share (Unadj.) Rs151.9176.5 86.1%  
Earnings per share (Unadj.) Rs-28.1-45.7 61.5%  
Cash flow per share (Unadj.) Rs-116.7-79.6 146.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs91.2153.9 59.3%  
Shares outstanding (eoy) m1,198.832,760.57 43.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.9 41.2%   
Avg P/E ratio x-1.9-3.4 57.6%  
Avg P/CF ratio x0.713.4 5.1%  
Avg Price/Bookvalue ratio x0.61.0 59.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m65,156423,471 15.4%   
No. of employees `00021.174.9 28.2%   
Total wages & salary Rs m19,06492,424 20.6%   
Avg. income/employee Rs Th8,628.86,505.6 132.6%   
Avg. wages/employee Rs Th903.41,234.0 73.2%   
Avg. net profit/employee Rs Th-1,595.0-1,682.7 94.8%   
INCOME DATA
Interest income Rs m182,085487,249 37.4%  
Other income Rs m30,96988,833 34.9%   
Interest expense Rs m116,398335,304 34.7%   
Net interest income Rs m65,687151,945 43.2%  
Operating expense Rs m42,852136,426 31.4%   
Gross profit Rs m22,83515,519 147.1%  
Gross profit margin %12.53.2 393.7%  
Provisions/contingencies Rs m128,687157,577 81.7%   
Profit before tax Rs m-54,413-198,462 27.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-188 0.0%   
Prior Period Items Rs m2870-   
Tax Rs m-20,469-72,618 28.2%   
Profit after tax Rs m-33,657-126,031 26.7%  
Net profit margin %-18.5-25.9 71.5%  
BALANCE SHEET DATA
Advances Rs m1,490,8594,387,980 34.0%   
Deposits Rs m2,080,9296,484,390 32.1%  
Credit/Deposit ratio x71.667.7 105.9%  
Yield on advances %8.87.4 118.2%   
Cost of deposits %5.24.7 109.9%   
Net Interest Margin %2.82.0 137.4%  
Net fixed assets Rs m14,85463,743 23.3%   
Share capital Rs m11,9885,521 217.1%   
Free reserves Rs m54,173268,284 20.2%   
Net worth Rs m109,363424,851 25.7%   
Borrowings Rs m183,121653,297 28.0%   
Investments Rs m679,3982,059,102 33.0%   
Total assets Rs m2,461,1137,789,949 31.6%  
Debt/equity ratio x20.716.8 123.2%   
Return on assets %-1.4-1.6 84.5%  
Return on equity %-30.8-29.7 103.7%  
Capital adequacy ratio %11.09.2 119.6%  
Net NPAs %8.511.2 75.4%  
CASH FLOW
From Operations Rs m-119,216-1,402 8,502.6%  
From Investments Rs m-1,416-11,032 12.8%  
From Financial Activity Rs m103,32473,524 140.5%  
Net Cashflow Rs m-17,21561,091 -28.2%  

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:   J&K BANK  CORPORATION BANK  IDBI BANK  SYNDICATE BANK  ICICI BANK  

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



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Nov 14, 2018 (Close)

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