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Compare Indian Overseas Bank with IDBI Bank - Equitymaster
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INDIAN OVERSEAS BANK vs IDBI BANK - Comparison Results

IDBI BANK 
   Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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Current Valuations

    INDIAN OVERSEAS BANK IDBI BANK INDIAN OVERSEAS BANK/
IDBI BANK
 
P/E (TTM) x -0.8 -1.7 - View Chart
P/BV x 0.2 0.4 50.2% View Chart
Dividend Yield % 0.0 1.4 -  

Financials

 INDIAN OVERSEAS BANK   IDBI BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
IDBI BANK
Mar-15
INDIAN OVERSEAS BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs48113 42.1%   
Low Rs2160 35.1%   
Income per share (Unadj.) Rs130.1175.6 74.1%  
Earnings per share (Unadj.) Rs-18.75.9 -319.2%  
Cash flow per share (Unadj.) Rs-32.16.0 -531.3%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs86.7152.0 57.0%  
Shares outstanding (eoy) m1,807.271,603.96 112.7%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.30.5 53.5%   
Avg P/E ratio x-1.814.7 -12.4%  
Avg P/CF ratio x1.92.6 75.3%  
Avg Price/Bookvalue ratio x0.40.6 69.6%  
Dividend payout %012.8 0.0%   
Avg Mkt Cap Rs m61,989138,662 44.7%   
No. of employees `000NA16.6 0.0%   
Total wages & salary Rs m33,90420,112 168.6%   
Avg. income/employee Rs ThNM17,012.5-  
Avg. wages/employee Rs ThNM1,214.9-  
Avg. net profit/employee Rs ThN.A.568.9-  
INCOME DATA
Interest income Rs m235,173281,643 83.5%  
Other income Rs m25,28341,892 60.4%   
Interest expense Rs m181,346223,872 81.0%   
Net interest income Rs m53,82757,771 93.2%  
Operating expense Rs m50,25541,046 122.4%   
Gross profit Rs m3,57216,725 21.4%  
Gross profit margin %1.55.9 25.6%  
Provisions/contingencies Rs m66,13644,905 147.3%   
Profit before tax Rs m-42,17913,403 -314.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0155 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,3084,139 -200.7%   
Profit after tax Rs m-33,8729,418 -359.6%  
Net profit margin %-14.43.3 -430.7%  
BALANCE SHEET DATA
Advances Rs m1,608,6072,083,769 77.2%   
Deposits Rs m2,245,1422,595,230 86.5%  
Credit/Deposit ratio x71.680.3 89.2%  
Yield on advances %10.410.0 103.6%   
Cost of deposits %7.26.8 106.5%   
Net Interest Margin %2.11.7 122.0%  
Net fixed assets Rs m32,70530,800 106.2%   
Share capital Rs m18,07316,040 112.7%   
Free reserves Rs m89,452156,910 57.0%   
Net worth Rs m156,658243,749 64.3%   
Borrowings Rs m271,833618,330 44.0%   
Investments Rs m791,8961,206,093 65.7%   
Total assets Rs m2,744,3683,559,309 77.1%  
Debt/equity ratio x16.113.2 121.9%   
Return on assets %-1.20.3 -466.4%  
Return on equity %-21.63.9 -559.6%  
Capital adequacy ratio %9.711.8 82.1%  
Net NPAs %11.92.9 412.8%  
CASH FLOW
From Operations Rs m-15,515-19,906 77.9%  
From Investments Rs m-2,536-2,716 93.3%  
From Financial Activity Rs m-8,472-610 1,388.4%  
Net Cashflow Rs m-26,523-23,232 114.2%  

Share Holding

Indian Promoters % 73.8 71.7 102.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 13.7 111.7%  
FIIs % 1.9 3.4 55.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 11.2 81.3%  
Shareholders   250,609 438,231 57.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   VIJAYA BANK  CITY UNION BANK  BANK OF INDIA  CORPORATION BANK  HDFC BANK  

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



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