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Compare Indian Overseas Bank with Kotak Bank - Equitymaster
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INDIAN OVERSEAS BANK vs KOTAK MAH. BANK - Comparison Results

KOTAK MAH. BANK 
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A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    INDIAN OVERSEAS BANK KOTAK MAH. BANK INDIAN OVERSEAS BANK/
KOTAK MAH. BANK
 
P/E (TTM) x -0.7 35.5 - View Chart
P/BV x 0.2 5.0 3.1% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 INDIAN OVERSEAS BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
KOTAK MAH. BANK
Mar-17
INDIAN OVERSEAS BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs48885 5.4%   
Low Rs21656 3.2%   
Income per share (Unadj.) Rs130.1121.3 107.3%  
Earnings per share (Unadj.) Rs-18.726.8 -69.8%  
Cash flow per share (Unadj.) Rs-32.1112.0 -28.7%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs86.7209.1 41.5%  
Shares outstanding (eoy) m1,807.271,840.90 98.2%   
Bonus/Rights/Conversions -B-  
Avg Price / Income ratio x0.36.4 4.1%   
Avg P/E ratio x-1.828.7 -6.4%  
Avg P/CF ratio x1.924.1 8.0%  
Avg Price/Bookvalue ratio x0.43.7 10.7%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m61,9891,418,782 4.4%   
No. of employees `000NA44.0 0.0%   
Total wages & salary Rs m33,90439,823 85.1%   
Avg. income/employee Rs ThNM5,073.7-  
Avg. wages/employee Rs ThNM905.1-  
Avg. net profit/employee Rs ThN.A.1,122.8-  
INCOME DATA
Interest income Rs m235,173223,242 105.3%  
Other income Rs m25,283116,596 21.7%   
Interest expense Rs m181,346114,576 158.3%   
Net interest income Rs m53,827108,667 49.5%  
Operating expense Rs m50,255142,454 35.3%   
Gross profit Rs m3,572-33,788 -10.6%  
Gross profit margin %1.5-15.1 -10.0%  
Provisions/contingencies Rs m66,1369,489 697.0%   
Profit before tax Rs m-42,17973,319 -57.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-788 0.0%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m-8,30823,829 -34.9%   
Profit after tax Rs m-33,87249,404 -68.6%  
Net profit margin %-14.422.1 -65.1%  
BALANCE SHEET DATA
Advances Rs m1,608,6071,671 96,248.8%   
Deposits Rs m2,245,1421,555 144,345.0%  
Credit/Deposit ratio x71.6107.5 66.7%  
Yield on advances %10.49,944.3 0.1%   
Cost of deposits %7.25,183.7 0.1%   
Net Interest Margin %2.111.5 17.8%  
Net fixed assets Rs m32,70517,552 186.3%   
Share capital Rs m18,0739,205 196.3%   
Free reserves Rs m89,452312,282 28.6%   
Net worth Rs m156,658384,908 40.7%   
Borrowings Rs m271,833496,899 54.7%   
Investments Rs m791,896684,615 115.7%   
Total assets Rs m2,744,3682,761,876 99.4%  
Debt/equity ratio x16.11.3 1,240.7%   
Return on assets %-1.21.8 -69.0%  
Return on equity %-21.612.8 -168.5%  
Capital adequacy ratio %9.716.8 57.5%  
Net NPAs %11.91.3 914.6%  
CASH FLOW
From Operations Rs m-15,515132,020 -11.8%  
From Investments Rs m-2,536-52,681 4.8%  
From Financial Activity Rs m-8,47260,553 -14.0%  
Net Cashflow Rs m-26,523139,891 -19.0%  

Share Holding

Indian Promoters % 73.8 43.6 169.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 1.9 805.3%  
FIIs % 1.9 31.7 6.0%  
ADR/GDR % 0.0 0.2 -  
Free float % 9.1 22.7 40.1%  
Shareholders   250,609 64,886 386.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   FEDERAL BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  HDFC BANK  KARUR VYSYA BANK  

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



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