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Compare Andhra Bank with Union Bank - Equitymaster
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ANDHRA BANK vs 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    ANDHRA BANK UNION BANK ANDHRA BANK/
UNION BANK
 
P/E (TTM) x 15.7 15.3 102.6% View Chart
P/BV x 0.3 0.4 75.6% View Chart
Dividend Yield % 1.0 1.5 67.4%  

Financials

 ANDHRA BANK   UNION BANK
EQUITY SHARE DATA
    ANDHRA BANK
Mar-16
UNION BANK
Mar-16
ANDHRA BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs88223 39.3%   
Low Rs42104 40.2%   
Income per share (Unadj.) Rs258.9470.1 55.1%  
Earnings per share (Unadj.) Rs7.919.7 40.2%  
Cash flow per share (Unadj.) Rs14.367.4 21.2%  
Dividends per share (Unadj.) Rs0.501.95 25.6%  
Avg Dividend yield %0.81.2 64.8%  
Book value per share (Unadj.) Rs161.4335.3 48.1%  
Shares outstanding (eoy) m681.16687.44 99.1%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.20.3 71.9%   
Avg P/E ratio x8.28.3 98.6%  
Avg P/CF ratio x1.32.1 58.6%  
Avg Price/Bookvalue ratio x0.40.5 82.2%  
Dividend payout %6.39.9 63.9%   
Avg Mkt Cap Rs m44,037112,259 39.2%   
No. of employees `00018.735.5 52.6%   
Total wages & salary Rs m17,67937,681 46.9%   
Avg. income/employee Rs Th9,452.69,109.9 103.8%   
Avg. wages/employee Rs Th947.61,062.2 89.2%   
Avg. net profit/employee Rs Th289.4382.5 75.7%   
INCOME DATA
Interest income Rs m176,347323,157 54.6%  
Other income Rs m15,645393,443 4.0%   
Interest expense Rs m123,137238,940 51.5%   
Net interest income Rs m53,21084,216 63.2%  
Operating expense Rs m29,25467,159 43.6%   
Gross profit Rs m23,95517,057 140.4%  
Gross profit margin %13.65.3 257.4%  
Provisions/contingencies Rs m29,56038,682 76.4%   
Profit before tax Rs m10,04017,769 56.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m4,6424,291 108.2%   
Profit after tax Rs m5,39813,569 39.8%  
Net profit margin %3.14.2 72.9%  
BALANCE SHEET DATA
Advances Rs m1,307,8792,682,496 48.8%   
Deposits Rs m1,743,0243,441,175 50.7%  
Credit/Deposit ratio x75.078.0 96.3%  
Yield on advances %10.38.8 116.6%   
Cost of deposits %6.56.4 102.0%   
Net Interest Margin %2.72.2 126.8%  
Net fixed assets Rs m13,68439,519 34.6%   
Share capital Rs m6,8126,874 99.1%   
Free reserves Rs m50,615200,761 25.2%   
Net worth Rs m109,944230,481 47.7%   
Borrowings Rs m97,156306,366 31.7%   
Investments Rs m538,642905,732 59.5%   
Total assets Rs m1,999,6184,073,646 49.1%  
Debt/equity ratio x16.716.3 102.9%   
Return on assets %0.30.3 81.1%  
Return on equity %4.95.9 83.4%  
Capital adequacy ratio %11.611.1 103.9%  
Net NPAs %4.65.3 87.8%  
CASH FLOW
From Operations Rs m77,09682,741 93.2%  
From Investments Rs m-2,707-8,718 31.1%  
From Financial Activity Rs m-61,303-3,886 1,577.7%  
Net Cashflow Rs m13,08670,138 18.7%  

Share Holding

Indian Promoters % 60.1 60.1 100.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.9 16.6 65.7%  
FIIs % 11.5 8.5 135.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 17.4 14.8 117.6%  
Shareholders   222,746 235,817 94.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   ORIENTAL BANK  KARUR VYSYA BANK  PNB  SBI  DCB BANK  

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



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Aug 21, 2017 (Close)

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