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ChangeOriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More
ING Vysya Bank is one of the oldest private sector banks in the country, in which the ING Group of the Netherlands holds a 44% stake. The bank has a large regional exposure in the southern region. Thanks to capital infusion by parent ING Bank N.V's, ... More
| ORIENTAL BANK | ING VYSYA BANK | ORIENTAL BANK/ ING VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 2.6 | 28.5 | 9.0% | View Chart |
| P/BV | x | 0.3 | 2.8 | 9.1% | View Chart |
| Dividend Yield | % | 0.6 | 0.6 | 95.6% |
 ORIENTAL BANK  ING VYSYA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ORIENTAL BANK Mar-16 |
ING VYSYA BANK Mar-14 |
ORIENTAL BANK/ ING VYSYA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 235 | 667 | 35.3% | |
| Low | Rs | 75 | 406 | 18.6% | |
| Income per share (Unadj.) | Rs | 624.1 | 275.9 | 226.2% | |
| Earnings per share (Unadj.) | Rs | 6.2 | 34.9 | 17.7% | |
| Cash flow per share (Unadj.) | Rs | 14.6 | 123.0 | 11.9% | |
| Dividends per share (Unadj.) | Rs | 0.70 | 6.00 | 11.7% | |
| Avg Dividend yield | % | 0.5 | 1.1 | 40.3% | |
| Book value per share (Unadj.) | Rs | 464.9 | 375.2 | 123.9% | |
| Shares outstanding (eoy) | m | 321.40 | 188.64 | 170.4% | |
| Bonus/Rights/Conversions | OI | PI | - | ||
| Avg Price / Income ratio | x | 0.2 | 1.9 | 12.8% | |
| Avg P/E ratio | x | 25.1 | 15.4 | 163.5% | |
| Avg P/CF ratio | x | 1.4 | 12.5 | 11.2% | |
| Avg Price/Bookvalue ratio | x | 0.3 | 1.4 | 23.4% | |
| Dividend payout | % | 11.3 | 17.2 | 65.9% | |
| Avg Mkt Cap | Rs m | 49,897 | 101,158 | 49.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 20,317 | 9,177 | 221.4% | |
| Avg. income/employee | Rs Th | NM | NM | - | |
| Avg. wages/employee | Rs Th | NM | NM | - | |
| Avg. net profit/employee | Rs Th | N.A. | N.A. | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 200,587 | 52,053 | 385.4% | |
| Other income | Rs m | 17,663 | 8,668 | 203.8% | |
| Interest expense | Rs m | 146,841 | 34,517 | 425.4% | |
| Net interest income | Rs m | 53,746 | 17,535 | 306.5% | |
| Operating expense | Rs m | 34,588 | 14,925 | 231.7% | |
| Gross profit | Rs m | 19,158 | 2,610 | 734.0% | |
| Gross profit margin | % | 9.6 | 5.0 | 190.5% | |
| Provisions/contingencies | Rs m | 33,562 | 1,500 | 2,237.0% | |
| Profit before tax | Rs m | 3,682 | 9,778 | 37.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,698 | 3,198 | 53.1% | |
| Profit after tax | Rs m | 1,985 | 6,579 | 30.2% | |
| Net profit margin | % | 1.0 | 12.6 | 7.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,488,800 | 358,289 | 415.5% | |
| Deposits | Rs m | 2,089,148 | 412,122 | 506.9% | |
| Credit/Deposit ratio | x | 71.3 | 86.9 | 82.0% | |
| Yield on advances | % | 9.9 | 10.6 | 94.0% | |
| Cost of deposits | % | 6.7 | 6.6 | 102.4% | |
| Net Interest Margin | % | 2.4 | 3.0 | 79.7% | |
| Net fixed assets | Rs m | 22,719 | 5,248 | 432.9% | |
| Share capital | Rs m | 3,214 | 1,886 | 170.4% | |
| Free reserves | Rs m | 90,590 | 56,798 | 159.5% | |
| Net worth | Rs m | 149,411 | 70,782 | 211.1% | |
| Borrowings | Rs m | 78,974 | 96,685 | 81.7% | |
| Investments | Rs m | 656,578 | 167,187 | 392.7% | |
| Total assets | Rs m | 2,375,415 | 604,134 | 393.2% | |
| Debt/equity ratio | x | 14.5 | 7.2 | 201.9% | |
| Return on assets | % | 0.1 | 1.1 | 7.7% | |
| Return on equity | % | 1.3 | 9.3 | 14.3% | |
| Capital adequacy ratio | % | 11.8 | 16.8 | 70.2% | |
| Net NPAs | % | 6.7 | 0.3 | 2,392.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -14,158 | -19,300 | 73.4% | |
| From Investments | Rs m | -2,105 | -826 | 254.9% | |
| From Financial Activity | Rs m | 8,130 | 50,052 | 16.2% | |
| Net Cashflow | Rs m | -8,134 | 29,926 | -27.2% | |
| Indian Promoters | % | 59.1 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 43.1 | - | |
| Indian inst/Mut Fund | % | 24.0 | 14.8 | 162.2% | |
| FIIs | % | 9.9 | 28.7 | 34.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 7.0 | 13.4 | 52.2% | |
| Shareholders | 114,330 | 30,627 | 373.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare ORIENTAL BANK With: DCB BANK BANK OF MAHARASHTRA INDIAN OVERSEAS BANK YES BANK CANARA BANK
Compare ORIENTAL BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Indian share markets finished some selling pressure in the final hour of trade to finish flat amid weak European markets.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Asset quality will be the key thing to watch out for going forward.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
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