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Compare Indian Overseas Bank with Andhra Bank - Equitymaster

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INDIAN OVERSEAS BANK vs ANDHRA 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

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Current Valuations

    INDIAN OVERSEAS BANK ANDHRA BANK INDIAN OVERSEAS BANK/
ANDHRA BANK
 
P/E (TTM) x -0.3 -0.4 - View Chart
P/BV x 0.1 0.2 81.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   ANDHRA BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-18
ANDHRA BANK
Mar-18
INDIAN OVERSEAS BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs3276 42.3%   
Low Rs1733 52.8%   
Income per share (Unadj.) Rs36.6151.9 24.1%  
Earnings per share (Unadj.) Rs-12.9-28.1 45.9%  
Cash flow per share (Unadj.) Rs-36.1-116.7 30.9%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs27.191.2 29.8%  
Shares outstanding (eoy) m4,890.771,198.83 408.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.70.4 188.4%   
Avg P/E ratio x-1.9-1.9 99.1%  
Avg P/CF ratio x1.50.7 212.4%  
Avg Price/Bookvalue ratio x0.90.6 152.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m120,80265,156 185.4%   
No. of employees `00027.921.1 132.4%   
Total wages & salary Rs m29,94219,064 157.1%   
Avg. income/employee Rs Th6,412.98,628.8 74.3%   
Avg. wages/employee Rs Th1,071.8903.4 118.6%   
Avg. net profit/employee Rs Th-2,255.0-1,595.0 141.4%   
INCOME DATA
Interest income Rs m179,152182,085 98.4%  
Other income Rs m37,46430,969 121.0%   
Interest expense Rs m124,476116,398 106.9%   
Net interest income Rs m54,67665,687 83.2%  
Operating expense Rs m55,84942,852 130.3%   
Gross profit Rs m-1,17422,835 -5.1%  
Gross profit margin %-0.712.5 -5.2%  
Provisions/contingencies Rs m145,930128,687 113.4%   
Profit before tax Rs m-86,317-54,413 158.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0287 0.0%   
Tax Rs m-23,322-20,469 113.9%   
Profit after tax Rs m-62,995-33,657 187.2%  
Net profit margin %-35.2-18.5 190.2%  
BALANCE SHEET DATA
Advances Rs m1,324,8881,490,859 88.9%   
Deposits Rs m2,168,3182,080,929 104.2%  
Credit/Deposit ratio x61.171.6 85.3%  
Yield on advances %9.08.8 103.0%   
Cost of deposits %5.35.2 102.3%   
Net Interest Margin %2.42.8 85.4%  
Net fixed assets Rs m28,93414,854 194.8%   
Share capital Rs m48,90811,988 408.0%   
Free reserves Rs m69,91254,173 129.1%   
Net worth Rs m132,740109,363 121.4%   
Borrowings Rs m92,281183,121 50.4%   
Investments Rs m686,459679,398 101.0%   
Total assets Rs m2,479,6812,461,113 100.8%  
Debt/equity ratio x17.020.7 82.3%   
Return on assets %-2.5-1.4 185.8%  
Return on equity %-47.5-30.8 154.2%  
Capital adequacy ratio %9.311.0 84.1%  
Net NPAs %15.38.5 180.8%  
CASH FLOW
From Operations Rs m-17,933-119,216 15.0%  
From Investments Rs m-1,151-1,416 81.3%  
From Financial Activity Rs m52,303103,324 50.6%  
Net Cashflow Rs m33,220-17,215 -193.0%  

Share Holding

Indian Promoters % 73.8 60.1 122.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 10.9 140.4%  
FIIs % 1.9 11.5 16.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 17.4 52.3%  
Shareholders   250,609 222,746 112.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   ALLAHABAD BANK  VIJAYA BANK  CORPORATION BANK  KARNATAKA BANK  SYNDICATE BANK  

Compare INDIAN OVERSEAS BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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