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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 -13.4 -0.7 - View Chart
P/BV x 0.3 0.2 135.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 ANDHRA BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    ANDHRA BANK
Mar-17
UNITED BANK OF INDIA
Mar-16
ANDHRA BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs6532 203.5%   
Low Rs4517 266.7%   
Income per share (Unadj.) Rs267.5118.4 226.0%  
Earnings per share (Unadj.) Rs3.0-3.4 -90.5%  
Cash flow per share (Unadj.) Rs22.9-15.5 -148.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs167.869.6 241.2%  
Shares outstanding (eoy) m681.16839.51 81.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.2 99.7%   
Avg P/E ratio x18.0-7.2 -248.9%  
Avg P/CF ratio x1.10.9 119.0%  
Avg Price/Bookvalue ratio x0.30.3 93.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m37,22520,358 182.9%   
No. of employees `00019.415.0 129.4%   
Total wages & salary Rs m21,36510,974 194.7%   
Avg. income/employee Rs Th9,400.66,632.8 141.7%   
Avg. wages/employee Rs Th1,102.4732.5 150.5%   
Avg. net profit/employee Rs Th106.9-188.2 -56.8%   
INCOME DATA
Interest income Rs m182,18399,367 183.3%  
Other income Rs m30,85614,675 210.3%   
Interest expense Rs m124,96076,561 163.2%   
Net interest income Rs m57,22322,806 250.9%  
Operating expense Rs m44,04619,363 227.5%   
Gross profit Rs m13,1773,443 382.7%  
Gross profit margin %7.23.5 208.8%  
Provisions/contingencies Rs m32,36625,228 128.3%   
Profit before tax Rs m3,921-7,110 -55.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,850-4,290 -43.1%   
Profit after tax Rs m2,071-2,820 -73.5%  
Net profit margin %1.1-2.8 -40.1%  
BALANCE SHEET DATA
Advances Rs m1,368,709680,602 201.1%   
Deposits Rs m1,954,7591,164,013 167.9%  
Credit/Deposit ratio x70.058.5 119.8%  
Yield on advances %9.99.7 102.0%   
Cost of deposits %6.06.2 96.9%   
Net Interest Margin %2.61.9 139.8%  
Net fixed assets Rs m15,42712,109 127.4%   
Share capital Rs m6,8128,395 81.1%   
Free reserves Rs m50,35517,690 284.6%   
Net worth Rs m114,29258,392 195.7%   
Borrowings Rs m88,66929,125 304.4%   
Investments Rs m623,890447,234 139.5%   
Total assets Rs m2,254,4631,294,318 174.2%  
Debt/equity ratio x17.920.4 87.5%   
Return on assets %0.1-0.2 -42.2%  
Return on equity %1.8-4.8 -37.5%  
Capital adequacy ratio %12.410.5 118.4%  
Net NPAs %7.69.0 83.7%  
CASH FLOW
From Operations Rs m106,69424,276 439.5%  
From Investments Rs m-1,587-896 177.1%  
From Financial Activity Rs m-17,004-429 3,968.3%  
Net Cashflow Rs m88,10322,951 383.9%  

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:   KOTAK MAH. BANK  YES BANK  ALLAHABAD BANK  ING VYSYA BANK  KARUR VYSYA BANK  

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



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