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Compare Andhra Bank with United Bank of India - Equitymaster
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ANDHRA BANK vs UNITED BANK OF INDIA - 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 UNITED BANK OF INDIA ANDHRA BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 16.2 -0.7 - View Chart
P/BV x 0.3 0.2 126.2% View Chart
Dividend Yield % 1.0 0.0 -  

Financials

 ANDHRA BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    ANDHRA BANK
Mar-16
UNITED BANK OF INDIA
Mar-16
ANDHRA BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs8832 276.0%   
Low Rs4217 248.8%   
Income per share (Unadj.) Rs258.9118.4 218.7%  
Earnings per share (Unadj.) Rs7.9-3.4 -236.0%  
Cash flow per share (Unadj.) Rs14.3-15.5 -92.5%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.80-  
Book value per share (Unadj.) Rs161.469.6 232.1%  
Shares outstanding (eoy) m681.16839.51 81.1%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.20.2 121.9%   
Avg P/E ratio x8.2-7.2 -113.0%  
Avg P/CF ratio x1.30.9 138.7%  
Avg Price/Bookvalue ratio x0.40.3 114.9%  
Dividend payout %6.30-   
Avg Mkt Cap Rs m44,03720,358 216.3%   
No. of employees `00018.715.0 124.5%   
Total wages & salary Rs m17,67910,974 161.1%   
Avg. income/employee Rs Th9,452.66,632.8 142.5%   
Avg. wages/employee Rs Th947.6732.5 129.4%   
Avg. net profit/employee Rs Th289.4-188.2 -153.7%   
INCOME DATA
Interest income Rs m176,34799,367 177.5%  
Other income Rs m15,64514,675 106.6%   
Interest expense Rs m123,13776,561 160.8%   
Net interest income Rs m53,21022,806 233.3%  
Operating expense Rs m29,25419,363 151.1%   
Gross profit Rs m23,9553,443 695.8%  
Gross profit margin %13.63.5 392.1%  
Provisions/contingencies Rs m29,56025,228 117.2%   
Profit before tax Rs m10,040-7,110 -141.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m4,642-4,290 -108.2%   
Profit after tax Rs m5,398-2,820 -191.5%  
Net profit margin %3.1-2.8 -107.9%  
BALANCE SHEET DATA
Advances Rs m1,307,879680,602 192.2%   
Deposits Rs m1,743,0241,164,013 149.7%  
Credit/Deposit ratio x75.058.5 128.3%  
Yield on advances %10.39.7 105.7%   
Cost of deposits %6.56.2 106.0%   
Net Interest Margin %2.71.9 145.9%  
Net fixed assets Rs m13,68412,109 113.0%   
Share capital Rs m6,8128,395 81.1%   
Free reserves Rs m50,61517,690 286.1%   
Net worth Rs m109,94458,392 188.3%   
Borrowings Rs m97,15629,125 333.6%   
Investments Rs m538,642447,234 120.4%   
Total assets Rs m1,999,6181,294,318 154.5%  
Debt/equity ratio x16.720.4 81.9%   
Return on assets %0.3-0.2 -123.9%  
Return on equity %4.9-4.8 -101.7%  
Capital adequacy ratio %11.610.5 110.7%  
Net NPAs %4.69.0 51.0%  
CASH FLOW
From Operations Rs m77,09624,276 317.6%  
From Investments Rs m-2,707-896 302.1%  
From Financial Activity Rs m-61,303-429 14,306.3%  
Net Cashflow Rs m13,08622,951 57.0%  

Share Holding

Indian Promoters % 60.1 88.0 68.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.9 5.2 209.6%  
FIIs % 11.5 0.3 3,833.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 17.4 6.5 267.7%  
Shareholders   222,746 78,272 284.6%  
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  HDFC BANK  SYNDICATE BANK  DHANLAXMI BANK  

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



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ANDHRA BANK 5-YR ANALYSIS

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