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INDIAN BANK vs RBL BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN BANK RBL BANK INDIAN BANK/
RBL BANK
 
P/E (TTM) x 9.6 12.2 78.7% View Chart
P/BV x 1.4 1.1 131.2% View Chart
Dividend Yield % 1.7 0.6 264.2%  

Financials

 INDIAN BANK   RBL BANK
EQUITY SHARE DATA
    INDIAN BANK
Mar-23
RBL BANK
Mar-23
INDIAN BANK/
RBL BANK
5-Yr Chart
Click to enlarge
High Rs310189 163.8%   
Low Rs13774 185.0%   
Income per share (Unadj.) Rs361.2159.3 226.8%  
Earnings per share (Unadj.) Rs44.715.3 291.7%  
Cash flow per share (Unadj.) Rs71.683.9 85.3%  
Dividends per share (Unadj.) Rs8.601.50 573.3%  
Avg Dividend yield %3.81.1 337.6%  
Book value per share (Unadj.) Rs397.5224.3 177.2%  
Shares outstanding (eoy) m1,245.44599.57 207.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.60.8 74.9%   
Avg P/E ratio x5.08.6 58.2%  
Avg P/CF ratio x1.83.5 50.8%  
Avg Price/Bookvalue ratio x0.60.6 95.8%  
Dividend payout %19.29.8 196.5%   
Avg Mkt Cap Rs m278,48178,948 352.7%   
No. of employees `000NANA-   
Total wages & salary Rs m75,78916,535 458.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m449,85295,496 471.1%  
Other income Rs m78,04525,069 311.3%   
Interest expense Rs m247,17346,786 528.3%   
Net interest income Rs m202,67948,709 416.1%  
Operating expense Rs m127,24851,348 247.8%   
Gross profit Rs m75,431-2,638 -2,859.0%  
Gross profit margin %16.8-2.8 -606.9%  
Provisions/contingencies Rs m100,17113,235 756.8%   
Profit before tax Rs m59,63212,211 488.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-120-   
Prior Period Items Rs m2,4300-   
Tax Rs m6,3273,016 209.8%   
Profit after tax Rs m55,7239,195 606.0%  
Net profit margin %12.49.6 128.6%  
BALANCE SHEET DATA
Advances Rs m4,492,940701,864 640.1%   
Deposits Rs m6,211,232848,747 731.8%  
Credit/Deposit ratio x72.382.7 87.5%  
Yield on advances %7.110.8 66.1%   
Cost of deposits %3.74.7 79.1%   
Net Interest Margin %3.24.9 64.5%  
Net fixed assets Rs m74,7045,532 1,350.4%   
Share capital Rs m12,4545,996 207.7%   
Free reserves Rs m482,614128,511 375.5%   
Net worth Rs m495,068134,507 368.1%   
Borrowings Rs m220,924133,317 165.7%   
Investments Rs m1,883,663287,303 655.6%   
Total assets Rs m7,133,3401,158,057 616.0%  
Debt/equity ratio x13.07.3 177.9%   
Return on assets %0.80.8 98.4%  
Return on equity %11.36.8 164.6%  
Capital adequacy ratio %16.516.9 97.5%  
Net NPAs %0.91.1 81.8%  
CASH FLOW
From Operations Rs m-278,940-110,312 252.9%  
From Investments Rs m-3,140-2,336 134.4%  
From Financial Activity Rs m-15,43422,347 -69.1%  
Net Cashflow Rs m-297,514-90,301 329.5%  

Share Holding

Indian Promoters % 73.8 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 21.7 48.0 45.3%  
FIIs % 5.9 28.3 20.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.2 100.0 26.2%  
Shareholders   312,770 344,856 90.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Indian Bank vs RBL BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

Indian Bank vs RBL BANK Share Price Performance

Period Indian Bank RBL BANK S&P BSE BANKEX
1-Day 4.08% 0.69% 0.82%
1-Month -1.69% -6.23% 2.48%
1-Year 86.05% 77.87% 19.28%
3-Year CAGR 65.31% 4.87% 12.00%
5-Year CAGR 13.50% -18.91% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indian Bank share price and the RBL BANK share price.

Moving on to shareholding structures...

The promoters of Indian Bank hold a 73.8% stake in the company. In case of RBL BANK the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Indian Bank and the shareholding pattern of RBL BANK.

Finally, a word on dividends...

In the most recent financial year, Indian Bank paid a dividend of Rs 8.6 per share. This amounted to a Dividend Payout ratio of 19.2%.

RBL BANK paid Rs 1.5, and its dividend payout ratio stood at 9.8%.

You may visit here to review the dividend history of Indian Bank, and the dividend history of RBL BANK.

For a sector overview, read our banking sector report.



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