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

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    INDIAN OVERSEAS BANK SBI INDIAN OVERSEAS BANK/
SBI
 
P/E (TTM) x -0.8 21.6 - View Chart
P/BV x 0.2 1.2 15.2% View Chart
Dividend Yield % 0.0 0.9 -  

Financials

 INDIAN OVERSEAS BANK   SBI
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
SBI
Mar-16
INDIAN OVERSEAS BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs48305 15.6%   
Low Rs21148 14.2%   
Income per share (Unadj.) Rs130.1285.8 45.5%  
Earnings per share (Unadj.) Rs-18.715.7 -119.0%  
Cash flow per share (Unadj.) Rs-32.168.8 -46.7%  
Dividends per share (Unadj.) Rs02.60 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs86.7232.6 37.3%  
Shares outstanding (eoy) m1,807.277,763.60 23.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.30.8 33.2%   
Avg P/E ratio x-1.814.4 -12.7%  
Avg P/CF ratio x1.93.5 54.8%  
Avg Price/Bookvalue ratio x0.41.0 40.6%  
Dividend payout %016.5 0.0%   
Avg Mkt Cap Rs m61,9891,759,620 3.5%   
No. of employees `000NA207.7 0.0%   
Total wages & salary Rs m33,904325,256 10.4%   
Avg. income/employee Rs ThNM10,679.5-  
Avg. wages/employee Rs ThNM1,565.7-  
Avg. net profit/employee Rs ThN.A.588.5-  
INCOME DATA
Interest income Rs m235,1732,218,548 10.6%  
Other income Rs m25,283510,162 5.0%   
Interest expense Rs m181,3461,430,474 12.7%   
Net interest income Rs m53,827788,075 6.8%  
Operating expense Rs m50,255737,171 6.8%   
Gross profit Rs m3,57250,904 7.0%  
Gross profit margin %1.52.3 66.2%  
Provisions/contingencies Rs m66,136379,298 17.4%   
Profit before tax Rs m-42,179181,768 -23.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-7,945 0.0%   
Prior Period Items Rs m02,758 0.0%   
Tax Rs m-8,30854,335 -15.3%   
Profit after tax Rs m-33,872122,246 -27.7%  
Net profit margin %-14.45.5 -261.4%  
BALANCE SHEET DATA
Advances Rs m1,608,60718,702,609 8.6%   
Deposits Rs m2,245,14222,538,576 10.0%  
Credit/Deposit ratio x71.683.0 86.3%  
Yield on advances %10.48.4 123.4%   
Cost of deposits %7.25.9 123.2%   
Net Interest Margin %2.12.8 72.4%  
Net fixed assets Rs m32,705152,557 21.4%   
Share capital Rs m18,0737,763 232.8%   
Free reserves Rs m89,4521,063,251 8.4%   
Net worth Rs m156,6581,805,924 8.7%   
Borrowings Rs m271,8332,582,144 10.5%   
Investments Rs m791,8967,051,891 11.2%   
Total assets Rs m2,744,36829,708,976 9.2%  
Debt/equity ratio x16.113.9 115.5%   
Return on assets %-1.20.4 -299.9%  
Return on equity %-21.66.8 -319.4%  
Capital adequacy ratio %9.713.9 69.3%  
Net NPAs %11.93.8 312.1%  
CASH FLOW
From Operations Rs m-15,515140,767 -11.0%  
From Investments Rs m-2,536-36,686 6.9%  
From Financial Activity Rs m-8,47243,485 -19.5%  
Net Cashflow Rs m-26,523147,566 -18.0%  

Share Holding

Indian Promoters % 73.8 58.6 125.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 20.9 73.2%  
FIIs % 1.9 9.7 19.6%  
ADR/GDR % 0.0 2.1 -  
Free float % 9.1 8.7 104.6%  
Shareholders   250,609 855,889 29.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   IDBI BANK  ORIENTAL BANK  PUNJAB & SIND BANK  BANK OF BARODA  KOTAK MAH. BANK  

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



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