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Compare Indian Overseas Bank with Bank of India - Equitymaster
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INDIAN OVERSEAS BANK vs BANK OF INDIA - Comparison Results

BANK OF INDIA 
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With one of the most geographically diversified advance portfolio, Bank of India (BOI) is amongst the largest public sector banking entity in the country (in terms of asset size) with 5.8% share of the total non-food credit disbursals at the end of F... More

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Current Valuations

    INDIAN OVERSEAS BANK BANK OF INDIA INDIAN OVERSEAS BANK/
BANK OF INDIA
 
P/E (TTM) x -0.8 -5.7 - View Chart
P/BV x 0.2 0.3 63.3% View Chart
Dividend Yield % 0.0 3.6 -  

Financials

 INDIAN OVERSEAS BANK   BANK OF INDIA
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
BANK OF INDIA
Mar-16
INDIAN OVERSEAS BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs48233 20.4%   
Low Rs2180 26.3%   
Income per share (Unadj.) Rs130.1515.5 25.2%  
Earnings per share (Unadj.) Rs-18.7-33.8 55.5%  
Cash flow per share (Unadj.) Rs-32.1-112.8 28.5%  
Dividends per share (Unadj.) Rs05.00 0.0%  
Avg Dividend yield %03.2 0.0%  
Book value per share (Unadj.) Rs86.7392.4 22.1%  
Shares outstanding (eoy) m1,807.27816.55 221.3%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.30.3 86.7%   
Avg P/E ratio x-1.8-4.6 39.5%  
Avg P/CF ratio x1.91.1 171.1%  
Avg Price/Bookvalue ratio x0.40.4 99.1%  
Dividend payout %0-14.8 0.0%   
Avg Mkt Cap Rs m61,989127,913 48.5%   
No. of employees `000NANA-   
Total wages & salary Rs m33,90454,036 62.7%   
Avg. income/employee Rs ThNMNM-  
Avg. wages/employee Rs ThNMNM-  
Avg. net profit/employee Rs ThN.A.N.A.-  
INCOME DATA
Interest income Rs m235,173420,928 55.9%  
Other income Rs m25,28336,716 68.9%   
Interest expense Rs m181,346305,453 59.4%   
Net interest income Rs m53,827115,475 46.6%  
Operating expense Rs m50,25594,250 53.3%   
Gross profit Rs m3,57221,225 16.8%  
Gross profit margin %1.55.0 30.1%  
Provisions/contingencies Rs m66,136141,517 46.7%   
Profit before tax Rs m-42,179-45,533 92.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0717 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,308-17,226 48.2%   
Profit after tax Rs m-33,872-27,590 122.8%  
Net profit margin %-14.4-6.6 219.7%  
BALANCE SHEET DATA
Advances Rs m1,608,6073,613,019 44.5%   
Deposits Rs m2,245,1425,157,225 43.5%  
Credit/Deposit ratio x71.670.1 102.3%  
Yield on advances %10.48.5 122.4%   
Cost of deposits %7.25.3 137.7%   
Net Interest Margin %2.12.0 103.7%  
Net fixed assets Rs m32,70585,729 38.1%   
Share capital Rs m18,0738,173 221.1%   
Free reserves Rs m89,452194,186 46.1%   
Net worth Rs m156,658320,420 48.9%   
Borrowings Rs m271,833511,033 53.2%   
Investments Rs m791,8961,226,209 64.6%   
Total assets Rs m2,744,3686,166,292 44.5%  
Debt/equity ratio x16.117.7 90.8%   
Return on assets %-1.2-0.4 275.8%  
Return on equity %-21.6-8.6 251.1%  
Capital adequacy ratio %9.712.1 80.2%  
Net NPAs %11.97.8 152.6%  
CASH FLOW
From Operations Rs m-15,515183,108 -8.5%  
From Investments Rs m-2,536-6,087 41.7%  
From Financial Activity Rs m-8,47248,637 -17.4%  
Net Cashflow Rs m-26,523225,658 -11.8%  

Share Holding

Indian Promoters % 73.8 66.7 110.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 15.5 98.7%  
FIIs % 1.9 10.2 18.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 7.7 118.2%  
Shareholders   250,609 240,000 104.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   KARNATAKA BANK  CANARA BANK  SOUTH IND.BANK  UNITED BANK OF INDIA  UNION BANK  

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



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