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Compare Indian Overseas Bank with ICICI Bank - Equitymaster

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INDIAN OVERSEAS BANK vs ICICI BANK - Comparison Results

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    INDIAN OVERSEAS BANK ICICI BANK INDIAN OVERSEAS BANK/
ICICI BANK
 
P/E (TTM) x -0.5 27.5 - View Chart
P/BV x 0.1 1.8 7.0% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 INDIAN OVERSEAS BANK   ICICI BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
ICICI BANK
Mar-17
INDIAN OVERSEAS BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs48293 16.2%   
Low Rs21215 9.8%   
Income per share (Unadj.) Rs130.1104.8 124.2%  
Earnings per share (Unadj.) Rs-18.717.5 -107.0%  
Cash flow per share (Unadj.) Rs-32.176.1 -42.2%  
Dividends per share (Unadj.) Rs02.50 0.0%  
Avg Dividend yield %01.0 0.0%  
Book value per share (Unadj.) Rs86.7179.9 48.2%  
Shares outstanding (eoy) m1,807.275,814.77 31.1%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.32.4 10.9%   
Avg P/E ratio x-1.814.5 -12.6%  
Avg P/CF ratio x1.95.5 34.9%  
Avg Price/Bookvalue ratio x0.41.4 28.1%  
Dividend payout %014.3 0.0%   
Avg Mkt Cap Rs m61,9891,475,207 4.2%   
No. of employees `000NA81.1 0.0%   
Total wages & salary Rs m33,90478,933 43.0%   
Avg. income/employee Rs ThNM7,511.5-  
Avg. wages/employee Rs ThNM972.9-  
Avg. net profit/employee Rs ThN.A.1,255.8-  
INCOME DATA
Interest income Rs m235,173609,400 38.6%  
Other income Rs m25,283524,577 4.8%   
Interest expense Rs m181,346348,358 52.1%   
Net interest income Rs m53,827261,042 20.6%  
Operating expense Rs m50,255481,700 10.4%   
Gross profit Rs m3,572-220,658 -1.6%  
Gross profit margin %1.5-36.2 -4.2%  
Provisions/contingencies Rs m66,136165,825 39.9%   
Profit before tax Rs m-42,179138,094 -30.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-11,520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,30824,690 -33.6%   
Profit after tax Rs m-33,872101,884 -33.2%  
Net profit margin %-14.416.7 -86.1%  
BALANCE SHEET DATA
Advances Rs m1,608,6075,153,173 31.2%   
Deposits Rs m2,245,1425,125,873 43.8%  
Credit/Deposit ratio x71.6100.5 71.3%  
Yield on advances %10.48.2 126.8%   
Cost of deposits %7.24.5 159.5%   
Net Interest Margin %2.12.9 70.8%  
Net fixed assets Rs m32,70593,380 35.0%   
Share capital Rs m18,07311,651 155.1%   
Free reserves Rs m89,452581,559 15.4%   
Net worth Rs m156,6581,046,320 15.0%   
Borrowings Rs m271,8331,882,868 14.4%   
Investments Rs m791,8963,045,017 26.0%   
Total assets Rs m2,744,3689,860,427 27.8%  
Debt/equity ratio x16.16.7 239.9%   
Return on assets %-1.21.0 -119.4%  
Return on equity %-21.69.7 -222.0%  
Capital adequacy ratio %9.717.4 55.5%  
Net NPAs %11.95.4 219.0%  
CASH FLOW
From Operations Rs m-15,515526,355 -2.9%  
From Investments Rs m-2,536-16,057 15.8%  
From Financial Activity Rs m-8,472-354,695 2.4%  
Net Cashflow Rs m-26,523155,603 -17.0%  

Share Holding

Indian Promoters % 73.8 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 23.1 66.2%  
FIIs % 1.9 40.0 4.8%  
ADR/GDR % 0.0 29.2 -  
Free float % 9.1 7.8 116.7%  
Shareholders   250,609 585,463 42.8%  
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  AXIS BANK  UNITED BANK OF INDIA  UNION BANK  

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



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