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Compare Punjab & Sind Bank with Andhra Bank - Equitymaster
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PUNJAB & SIND BANK vs ANDHRA BANK - Comparison Results

ANDHRA BANK 
   Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

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Current Valuations

    PUNJAB & SIND BANK ANDHRA BANK PUNJAB & SIND BANK/
ANDHRA BANK
 
P/E (TTM) x 5.9 16.0 36.5% View Chart
P/BV x 0.4 0.3 126.2% View Chart
Dividend Yield % 1.2 1.0 124.0%  

Financials

 PUNJAB & SIND BANK   ANDHRA BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
ANDHRA BANK
Mar-16
PUNJAB & SIND BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs8488 95.9%   
Low Rs4442 104.8%   
Income per share (Unadj.) Rs214.5258.9 82.9%  
Earnings per share (Unadj.) Rs3.07.9 38.2%  
Cash flow per share (Unadj.) Rs21.314.3 149.1%  
Dividends per share (Unadj.) Rs0.600.50 120.0%  
Avg Dividend yield %0.90.8 121.5%  
Book value per share (Unadj.) Rs139.8161.4 86.6%  
Shares outstanding (eoy) m400.41681.16 58.8%   
Bonus/Rights/Conversions PAOI-  
Avg Price / Income ratio x0.30.2 119.2%   
Avg P/E ratio x21.18.2 258.3%  
Avg P/CF ratio x3.41.3 271.1%  
Avg Price/Bookvalue ratio x0.50.4 114.1%  
Dividend payout %19.86.3 313.8%   
Avg Mkt Cap Rs m25,56644,037 58.1%   
No. of employees `0009.218.7 49.2%   
Total wages & salary Rs m8,74317,679 49.5%   
Avg. income/employee Rs Th9,355.79,452.6 99.0%   
Avg. wages/employee Rs Th952.4947.6 100.5%   
Avg. net profit/employee Rs Th132.2289.4 45.7%   
INCOME DATA
Interest income Rs m85,886176,347 48.7%  
Other income Rs m4,28815,645 27.4%   
Interest expense Rs m69,094123,137 56.1%   
Net interest income Rs m16,79253,210 31.6%  
Operating expense Rs m13,32529,254 45.5%   
Gross profit Rs m3,46723,955 14.5%  
Gross profit margin %4.013.6 29.7%  
Provisions/contingencies Rs m6,27329,560 21.2%   
Profit before tax Rs m1,48110,040 14.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2684,642 5.8%   
Profit after tax Rs m1,2145,398 22.5%  
Net profit margin %1.43.1 46.2%  
BALANCE SHEET DATA
Advances Rs m638,7021,307,879 48.8%   
Deposits Rs m867,1471,743,024 49.7%  
Credit/Deposit ratio x73.775.0 98.2%  
Yield on advances %10.010.3 96.9%   
Cost of deposits %7.76.5 118.0%   
Net Interest Margin %1.82.7 64.4%  
Net fixed assets Rs m9,94813,684 72.7%   
Share capital Rs m4,0046,812 58.8%   
Free reserves Rs m31,06150,615 61.4%   
Net worth Rs m55,962109,944 50.9%   
Borrowings Rs m30,48297,156 31.4%   
Investments Rs m267,517538,642 49.7%   
Total assets Rs m977,5341,999,618 48.9%  
Debt/equity ratio x16.016.7 95.8%   
Return on assets %0.10.3 46.0%  
Return on equity %2.24.9 44.2%  
Capital adequacy ratio %11.211.6 97.1%  
Net NPAs %3.64.6 77.0%  
CASH FLOW
From Operations Rs m-19,81677,096 -25.7%  
From Investments Rs m-845-2,707 31.2%  
From Financial Activity Rs m-392-61,303 0.6%  
Net Cashflow Rs m-21,05313,086 -160.9%  

Share Holding

Indian Promoters % 79.6 60.1 132.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 10.9 99.1%  
FIIs % 1.8 11.5 15.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 17.4 44.8%  
Shareholders   150,895 222,746 67.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   KOTAK MAH. BANK  IDBI BANK  DCB BANK  BANK OF INDIA  SBI  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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