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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 -0.7 16.0 - View Chart
P/BV x 0.2 0.3 80.6% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 UNITED BANK OF INDIA   ANDHRA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
ANDHRA BANK
Mar-16
UNITED BANK OF INDIA/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs3288 36.2%   
Low Rs1742 40.2%   
Income per share (Unadj.) Rs118.4258.9 45.7%  
Earnings per share (Unadj.) Rs-3.47.9 -42.4%  
Cash flow per share (Unadj.) Rs-15.514.3 -108.1%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs69.6161.4 43.1%  
Shares outstanding (eoy) m839.51681.16 123.2%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.2 82.0%   
Avg P/E ratio x-7.28.2 -88.5%  
Avg P/CF ratio x0.91.3 72.1%  
Avg Price/Bookvalue ratio x0.30.4 87.0%  
Dividend payout %06.3 0.0%   
Avg Mkt Cap Rs m20,35844,037 46.2%   
No. of employees `00015.018.7 80.3%   
Total wages & salary Rs m10,97417,679 62.1%   
Avg. income/employee Rs Th6,632.89,452.6 70.2%   
Avg. wages/employee Rs Th732.5947.6 77.3%   
Avg. net profit/employee Rs Th-188.2289.4 -65.0%   
INCOME DATA
Interest income Rs m99,367176,347 56.3%  
Other income Rs m14,67515,645 93.8%   
Interest expense Rs m76,561123,137 62.2%   
Net interest income Rs m22,80653,210 42.9%  
Operating expense Rs m19,36329,254 66.2%   
Gross profit Rs m3,44323,955 14.4%  
Gross profit margin %3.513.6 25.5%  
Provisions/contingencies Rs m25,22829,560 85.3%   
Profit before tax Rs m-7,11010,040 -70.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2904,642 -92.4%   
Profit after tax Rs m-2,8205,398 -52.2%  
Net profit margin %-2.83.1 -92.7%  
BALANCE SHEET DATA
Advances Rs m680,6021,307,879 52.0%   
Deposits Rs m1,164,0131,743,024 66.8%  
Credit/Deposit ratio x58.575.0 77.9%  
Yield on advances %9.710.3 94.6%   
Cost of deposits %6.26.5 94.3%   
Net Interest Margin %1.92.7 68.5%  
Net fixed assets Rs m12,10913,684 88.5%   
Share capital Rs m8,3956,812 123.2%   
Free reserves Rs m17,69050,615 35.0%   
Net worth Rs m58,392109,944 53.1%   
Borrowings Rs m29,12597,156 30.0%   
Investments Rs m447,234538,642 83.0%   
Total assets Rs m1,294,3181,999,618 64.7%  
Debt/equity ratio x20.416.7 122.1%   
Return on assets %-0.20.3 -80.7%  
Return on equity %-4.84.9 -98.3%  
Capital adequacy ratio %10.511.6 90.3%  
Net NPAs %9.04.6 196.1%  
CASH FLOW
From Operations Rs m24,27677,096 31.5%  
From Investments Rs m-896-2,707 33.1%  
From Financial Activity Rs m-429-61,303 0.7%  
Net Cashflow Rs m22,95113,086 175.4%  

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:   ALLAHABAD BANK  VIJAYA BANK  INDUSIND BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

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



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