Indian Bank
Indian Bank is a medium-sized bank which was started in 1907. It offers deposits, loans and services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. [1]
- Market Cap ₹ 70,136 Cr.
- Current Price ₹ 521
- High / Low ₹ 574 / 267
- Stock P/E 9.66
- Book Value ₹ 385
- Dividend Yield 1.65 %
- ROCE 4.55 %
- ROE 11.5 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 33.2% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 10.4% over last 3 years.
- Contingent liabilities of Rs.3,97,385 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Public Sector
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 12,231 | 13,897 | 15,249 | 15,853 | 16,244 | 16,040 | 17,114 | 19,185 | 21,405 | 39,106 | 38,856 | 44,942 | 53,235 |
Interest | 7,813 | 9,368 | 10,889 | 11,392 | 11,798 | 10,894 | 10,850 | 12,167 | 13,799 | 23,440 | 22,128 | 24,717 | 30,468 |
3,345 | 3,895 | 4,152 | 4,218 | 5,122 | 5,433 | 7,357 | 8,358 | 9,233 | 17,778 | 19,842 | 20,925 | 21,018 | |
Financing Profit | 1,073 | 634 | 209 | 243 | -676 | -287 | -1,093 | -1,340 | -1,626 | -2,112 | -3,114 | -700 | 1,748 |
Financing Margin % | 9% | 5% | 1% | 2% | -4% | -2% | -6% | -7% | -8% | -5% | -8% | -2% | 3% |
1,284 | 1,283 | 1,372 | 1,363 | 1,781 | 2,211 | 2,406 | 1,883 | 3,312 | 5,650 | 6,915 | 7,143 | 7,598 | |
Depreciation | 89 | 91 | 105 | 138 | 151 | 166 | 236 | 259 | 314 | 633 | 598 | 529 | 0 |
Profit before tax | 2,268 | 1,826 | 1,476 | 1,469 | 955 | 1,758 | 1,076 | 284 | 1,373 | 2,906 | 3,204 | 5,914 | 9,346 |
Tax % | 23% | 13% | 21% | 32% | 26% | 20% | -17% | -13% | 45% | -3% | -23% | 11% | |
1,747 | 1,581 | 1,159 | 1,005 | 711 | 1,406 | 1,259 | 322 | 753 | 3,005 | 3,945 | 5,282 | 7,263 | |
EPS in Rs | 40.65 | 36.79 | 24.93 | 20.93 | 14.81 | 29.27 | 26.21 | 6.70 | 12.37 | 26.61 | 31.67 | 42.41 | 57.03 |
Dividend Payout % | 18% | 18% | 19% | 20% | 10% | 20% | 0% | 0% | 0% | 8% | 21% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 12% |
5 Years: | 21% |
3 Years: | 28% |
TTM: | 25% |
Compounded Profit Growth | |
---|---|
10 Years: | 13% |
5 Years: | 33% |
3 Years: | 91% |
TTM: | 51% |
Stock Price CAGR | |
---|---|
10 Years: | 17% |
5 Years: | 13% |
3 Years: | 65% |
1 Year: | 79% |
Return on Equity | |
---|---|
10 Years: | 8% |
5 Years: | 8% |
3 Years: | 10% |
Last Year: | 12% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 430 | 430 | 465 | 480 | 480 | 480 | 480 | 480 | 609 | 1,129 | 1,245 | 1,245 |
Reserves | 9,972 | 11,143 | 13,406 | 14,615 | 15,779 | 16,682 | 17,968 | 18,908 | 21,480 | 37,283 | 42,463 | 46,727 |
Preference Capital | 400 | 400 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
125,677 | 144,843 | 167,239 | 171,871 | 181,795 | 195,146 | 228,054 | 254,213 | 281,056 | 562,805 | 610,827 | 643,239 | |
5,341 | 6,407 | 6,116 | 5,869 | 5,655 | 5,925 | 6,213 | 6,463 | 6,323 | 22,209 | 17,132 | 19,289 | |
Total Liabilities | 141,419 | 162,823 | 187,226 | 192,836 | 203,710 | 218,233 | 252,716 | 280,065 | 309,468 | 623,427 | 671,668 | 710,501 |
1,625 | 1,690 | 2,929 | 2,963 | 3,503 | 3,432 | 3,418 | 3,961 | 3,895 | 7,375 | 7,680 | 7,455 | |
CWIP | 5 | 1 | 3 | 5 | 8 | 11 | 1 | 1 | 1 | 1 | 4 | 4 |
Investments | 37,976 | 41,805 | 46,810 | 45,728 | 53,089 | 67,552 | 71,398 | 64,992 | 81,242 | 176,537 | 174,559 | 185,988 |
101,812 | 119,327 | 137,484 | 144,139 | 147,110 | 147,239 | 177,900 | 211,112 | 224,331 | 439,513 | 489,426 | 517,053 | |
Total Assets | 141,419 | 162,823 | 187,226 | 192,836 | 203,710 | 218,233 | 252,716 | 280,065 | 309,468 | 623,427 | 671,668 | 710,501 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1,957 | 3,436 | -728 | 5,139 | -931 | -10,819 | -3,676 | 6,268 | -8,401 | 38,979 | 28,732 | -27,943 | |
-145 | -179 | -147 | -236 | -772 | -179 | -214 | -176 | -247 | -543 | -299 | -297 | |
2,353 | -2,431 | 1,727 | -2,312 | 620 | 9,041 | 6,776 | 1,000 | 2,552 | 1,866 | 18 | -1,543 | |
Net Cash Flow | 251 | 825 | 852 | 2,591 | -1,082 | -1,958 | 2,886 | 7,093 | -6,096 | 40,302 | 28,452 | -29,783 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 18% | 14% | 9% | 7% | 5% | 8% | 7% | 2% | 4% | 10% | 10% | 12% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
1d - Disclosure under Regulation 30 of SEBI (LODR) Regulations, 2015- Investors/ Analysts interaction/ meet-Outcome
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
2d - Disclosure under Regulation 30 of SEBI (LODR) Regulations, 2015- Investors/ Analysts interaction/ meet-Outcome
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 26 Mar
- Closure of Trading Window 22 Mar
- Shareholder Meeting / Postal Ballot-Scrutinizer"s Report 21 Mar
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
from nse
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Financial Year 2010
from bse
Concalls
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Oct 2023TranscriptNotesPPT
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Aug 2023Transcript PPT
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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Nov 2022Transcript PPT
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Aug 2022Transcript PPT
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May 2022Transcript PPT
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Feb 2022Transcript PPT
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Oct 2021Transcript PPT
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Jul 2021Transcript PPT
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May 2021Transcript PPT
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Jan 2021Transcript PPT
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Oct 2020Transcript PPT
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Aug 2020TranscriptPPT
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Aug 2018TranscriptNotesPPT
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Jun 2018TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
Ratios
Capital Adequacy Ratio - 15.47%
Net Interest Margin - 3.03%
Gross NPA - 9.13%
Net NPA - 2.72%
CASA Ratio - 42.2%{# https://www.bseindia.com/xml-data/corpfiling/AttachHis/2d7a6563-8aea-4605-ab1f-d38d6d2832ce.pdf#}