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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 -0.5 -1.2 - View Chart
P/BV x 0.2 0.4 53.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 ANDHRA BANK   PNB
EQUITY SHARE DATA
    ANDHRA BANK
Mar-17
PNB
Mar-17
ANDHRA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs65159 40.5%   
Low Rs4572 62.2%   
Income per share (Unadj.) Rs267.5225.8 118.4%  
Earnings per share (Unadj.) Rs3.04.0 76.2%  
Cash flow per share (Unadj.) Rs22.9-17.4 -131.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs167.8202.8 82.7%  
Shares outstanding (eoy) m681.162,127.97 32.0%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.5 39.9%   
Avg P/E ratio x18.029.0 62.0%  
Avg P/CF ratio x1.11.6 68.3%  
Avg Price/Bookvalue ratio x0.30.6 57.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m37,225246,206 15.1%   
No. of employees `00019.473.9 26.2%   
Total wages & salary Rs m21,36554,823 39.0%   
Avg. income/employee Rs Th9,400.66,501.5 144.6%   
Avg. wages/employee Rs Th1,102.4741.7 148.6%   
Avg. net profit/employee Rs Th106.9114.9 93.0%   
INCOME DATA
Interest income Rs m182,183480,581 37.9%  
Other income Rs m30,85691,676 33.7%   
Interest expense Rs m124,960327,223 38.2%   
Net interest income Rs m57,223153,358 37.3%  
Operating expense Rs m44,04695,236 46.2%   
Gross profit Rs m13,17758,122 22.7%  
Gross profit margin %7.212.1 59.8%  
Provisions/contingencies Rs m32,366147,176 22.0%   
Profit before tax Rs m3,92115,401 25.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,8506,390 29.0%   
Profit after tax Rs m2,0718,492 24.4%  
Net profit margin %1.11.8 64.3%  
BALANCE SHEET DATA
Advances Rs m1,368,7094,242,305 32.3%   
Deposits Rs m1,954,7596,296,509 31.0%  
Credit/Deposit ratio x70.067.4 103.9%  
Yield on advances %9.97.9 125.1%   
Cost of deposits %6.04.8 125.0%   
Net Interest Margin %2.62.2 121.3%  
Net fixed assets Rs m15,42762,978 24.5%   
Share capital Rs m6,8124,256 160.1%   
Free reserves Rs m50,355305,883 16.5%   
Net worth Rs m114,292431,649 26.5%   
Borrowings Rs m88,669433,360 20.5%   
Investments Rs m623,8901,915,272 32.6%   
Total assets Rs m2,254,4637,333,109 30.7%  
Debt/equity ratio x17.915.6 114.7%   
Return on assets %0.10.1 79.3%  
Return on equity %1.82.0 92.1%  
Capital adequacy ratio %12.412.4 99.9%  
Net NPAs %7.67.8 96.9%  
CASH FLOW
From Operations Rs m106,694219,380 48.6%  
From Investments Rs m-1,5871,588 -100.0%  
From Financial Activity Rs m-17,004-97,671 17.4%  
Net Cashflow Rs m88,103123,297 71.5%  

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:   DENA BANK  IDBI BANK  UNITED BANK OF INDIA  CORPORATION BANK  HDFC BANK  

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



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May 24, 2018 (Close)

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