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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 -0.8 16.0 - View Chart
P/BV x 0.2 0.3 64.3% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 INDIAN OVERSEAS BANK   ANDHRA BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
ANDHRA BANK
Mar-16
INDIAN OVERSEAS BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs4888 54.3%   
Low Rs2142 50.5%   
Income per share (Unadj.) Rs130.1258.9 50.3%  
Earnings per share (Unadj.) Rs-18.77.9 -236.5%  
Cash flow per share (Unadj.) Rs-32.114.3 -224.8%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs86.7161.4 53.7%  
Shares outstanding (eoy) m1,807.27681.16 265.3%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.30.2 105.6%   
Avg P/E ratio x-1.88.2 -22.4%  
Avg P/CF ratio x1.91.3 152.5%  
Avg Price/Bookvalue ratio x0.40.4 98.8%  
Dividend payout %06.3 0.0%   
Avg Mkt Cap Rs m61,98944,037 140.8%   
No. of employees `000NA18.7 0.0%   
Total wages & salary Rs m33,90417,679 191.8%   
Avg. income/employee Rs ThNM9,452.6-  
Avg. wages/employee Rs ThNM947.6-  
Avg. net profit/employee Rs ThN.A.289.4-  
INCOME DATA
Interest income Rs m235,173176,347 133.4%  
Other income Rs m25,28315,645 161.6%   
Interest expense Rs m181,346123,137 147.3%   
Net interest income Rs m53,82753,210 101.2%  
Operating expense Rs m50,25529,254 171.8%   
Gross profit Rs m3,57223,955 14.9%  
Gross profit margin %1.513.6 11.2%  
Provisions/contingencies Rs m66,13629,560 223.7%   
Profit before tax Rs m-42,17910,040 -420.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8,3084,642 -179.0%   
Profit after tax Rs m-33,8725,398 -627.4%  
Net profit margin %-14.43.1 -470.5%  
BALANCE SHEET DATA
Advances Rs m1,608,6071,307,879 123.0%   
Deposits Rs m2,245,1421,743,024 128.8%  
Credit/Deposit ratio x71.675.0 95.5%  
Yield on advances %10.410.3 100.6%   
Cost of deposits %7.26.5 110.6%   
Net Interest Margin %2.12.7 74.7%  
Net fixed assets Rs m32,70513,684 239.0%   
Share capital Rs m18,0736,812 265.3%   
Free reserves Rs m89,45250,615 176.7%   
Net worth Rs m156,658109,944 142.5%   
Borrowings Rs m271,83397,156 279.8%   
Investments Rs m791,896538,642 147.0%   
Total assets Rs m2,744,3681,999,618 137.2%  
Debt/equity ratio x16.116.7 96.0%   
Return on assets %-1.20.3 -457.2%  
Return on equity %-21.64.9 -440.3%  
Capital adequacy ratio %9.711.6 83.4%  
Net NPAs %11.94.6 257.9%  
CASH FLOW
From Operations Rs m-15,51577,096 -20.1%  
From Investments Rs m-2,536-2,707 93.7%  
From Financial Activity Rs m-8,472-61,303 13.8%  
Net Cashflow Rs m-26,52313,086 -202.7%  

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:   SOUTH IND.BANK  J&K BANK  DENA BANK  UNION BANK  INDUSIND BANK  

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



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