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Compare United Bank of India with Andhra Bank - Equitymaster
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UNITED BANK OF INDIA 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

    UNITED BANK OF INDIA ANDHRA BANK UNITED BANK OF INDIA/
ANDHRA BANK
 
P/E (TTM) x -0.6 -10.9 - View Chart
P/BV x 0.2 0.2 71.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   ANDHRA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
ANDHRA BANK
Mar-17
UNITED BANK OF INDIA/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs3265 49.1%   
Low Rs1745 37.5%   
Income per share (Unadj.) Rs118.4267.5 44.3%  
Earnings per share (Unadj.) Rs-3.43.0 -110.5%  
Cash flow per share (Unadj.) Rs-15.522.9 -67.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.6167.8 41.5%  
Shares outstanding (eoy) m839.51681.16 123.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.2 100.3%   
Avg P/E ratio x-7.218.0 -40.2%  
Avg P/CF ratio x0.91.1 84.0%  
Avg Price/Bookvalue ratio x0.30.3 107.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,35837,225 54.7%   
No. of employees `00015.019.4 77.3%   
Total wages & salary Rs m10,97421,365 51.4%   
Avg. income/employee Rs Th6,632.89,400.6 70.6%   
Avg. wages/employee Rs Th732.51,102.4 66.4%   
Avg. net profit/employee Rs Th-188.2106.9 -176.1%   
INCOME DATA
Interest income Rs m99,367182,183 54.5%  
Other income Rs m14,67530,856 47.6%   
Interest expense Rs m76,561124,960 61.3%   
Net interest income Rs m22,80657,223 39.9%  
Operating expense Rs m19,36344,046 44.0%   
Gross profit Rs m3,44313,177 26.1%  
Gross profit margin %3.57.2 47.9%  
Provisions/contingencies Rs m25,22832,366 77.9%   
Profit before tax Rs m-7,1103,921 -181.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901,850 -231.9%   
Profit after tax Rs m-2,8202,071 -136.1%  
Net profit margin %-2.81.1 -249.6%  
BALANCE SHEET DATA
Advances Rs m680,6021,368,709 49.7%   
Deposits Rs m1,164,0131,954,759 59.5%  
Credit/Deposit ratio x58.570.0 83.5%  
Yield on advances %9.79.9 98.0%   
Cost of deposits %6.26.0 103.2%   
Net Interest Margin %1.92.6 71.6%  
Net fixed assets Rs m12,10915,427 78.5%   
Share capital Rs m8,3956,812 123.2%   
Free reserves Rs m17,69050,355 35.1%   
Net worth Rs m58,392114,292 51.1%   
Borrowings Rs m29,12588,669 32.8%   
Investments Rs m447,234623,890 71.7%   
Total assets Rs m1,294,3182,254,463 57.4%  
Debt/equity ratio x20.417.9 114.3%   
Return on assets %-0.20.1 -237.1%  
Return on equity %-4.81.8 -266.5%  
Capital adequacy ratio %10.512.4 84.5%  
Net NPAs %9.07.6 119.4%  
CASH FLOW
From Operations Rs m24,276106,694 22.8%  
From Investments Rs m-896-1,587 56.5%  
From Financial Activity Rs m-429-17,004 2.5%  
Net Cashflow Rs m22,95188,103 26.1%  

Share Holding

Indian Promoters % 88.0 60.1 146.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 10.9 47.7%  
FIIs % 0.3 11.5 2.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 17.4 37.4%  
Shareholders   78,272 222,746 35.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   DCB BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  ORIENTAL BANK  CANARA BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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