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

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Current Valuations

    INDIAN OVERSEAS BANK UNITED BANK OF INDIA INDIAN OVERSEAS BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x -0.8 -0.7 - View Chart
P/BV x 0.2 0.2 79.7% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
UNITED BANK OF INDIA
Mar-16
INDIAN OVERSEAS BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs4832 149.8%   
Low Rs2117 125.6%   
Income per share (Unadj.) Rs130.1118.4 109.9%  
Earnings per share (Unadj.) Rs-18.7-3.4 558.0%  
Cash flow per share (Unadj.) Rs-32.1-15.5 207.9%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs86.769.6 124.6%  
Shares outstanding (eoy) m1,807.27839.51 215.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.30.2 128.7%   
Avg P/E ratio x-1.8-7.2 25.3%  
Avg P/CF ratio x1.90.9 211.5%  
Avg Price/Bookvalue ratio x0.40.3 113.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m61,98920,358 304.5%   
No. of employees `000NA15.0 0.0%   
Total wages & salary Rs m33,90410,974 308.9%   
Avg. income/employee Rs ThNM6,632.8-  
Avg. wages/employee Rs ThNM732.5-  
Avg. net profit/employee Rs ThN.A.-188.2-  
INCOME DATA
Interest income Rs m235,17399,367 236.7%  
Other income Rs m25,28314,675 172.3%   
Interest expense Rs m181,34676,561 236.9%   
Net interest income Rs m53,82722,806 236.0%  
Operating expense Rs m50,25519,363 259.5%   
Gross profit Rs m3,5723,443 103.8%  
Gross profit margin %1.53.5 43.8%  
Provisions/contingencies Rs m66,13625,228 262.2%   
Profit before tax Rs m-42,179-7,110 593.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8,308-4,290 193.7%   
Profit after tax Rs m-33,872-2,820 1,201.3%  
Net profit margin %-14.4-2.8 507.6%  
BALANCE SHEET DATA
Advances Rs m1,608,607680,602 236.4%   
Deposits Rs m2,245,1421,164,013 192.9%  
Credit/Deposit ratio x71.658.5 122.5%  
Yield on advances %10.49.7 106.4%   
Cost of deposits %7.26.2 117.3%   
Net Interest Margin %2.11.9 109.0%  
Net fixed assets Rs m32,70512,109 270.1%   
Share capital Rs m18,0738,395 215.3%   
Free reserves Rs m89,45217,690 505.7%   
Net worth Rs m156,65858,392 268.3%   
Borrowings Rs m271,83329,125 933.3%   
Investments Rs m791,896447,234 177.1%   
Total assets Rs m2,744,3681,294,318 212.0%  
Debt/equity ratio x16.120.4 78.6%   
Return on assets %-1.2-0.2 566.6%  
Return on equity %-21.6-4.8 447.8%  
Capital adequacy ratio %9.710.5 92.4%  
Net NPAs %11.99.0 131.5%  
CASH FLOW
From Operations Rs m-15,51524,276 -63.9%  
From Investments Rs m-2,536-896 282.9%  
From Financial Activity Rs m-8,472-429 1,977.2%  
Net Cashflow Rs m-26,52322,951 -115.6%  

Share Holding

Indian Promoters % 73.8 88.0 83.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 5.2 294.2%  
FIIs % 1.9 0.3 633.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 6.5 140.0%  
Shareholders   250,609 78,272 320.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   SYNDICATE BANK  CITY UNION BANK  BANK OF BARODA  UNION BANK  J&K BANK  

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



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