Indian Bank

Indian Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Indian Bank

₹ 419 2.22%
06 Dec - close price
indianbank.in BSE: 532814 NSE : INDIANB
About

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]

Key Points

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#}

Website BSE NSE
  • Market Cap ₹ 52,235 Cr.
  • Current Price ₹ 419
  • High / Low ₹ 463 / 252
  • Stock P/E 7.58
  • Book Value ₹ 398
  • Dividend Yield 2.05 %
  • ROCE 4.55 %
  • ROE 11.8 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 1.05 times its book value
  • Company has delivered good profit growth of 33.5% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.7% over last 3 years.
  • Contingent liabilities of Rs.3,97,452 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023
Revenue 10,059 10,027 8,899 9,626 9,483 9,930 9,849 10,166 10,728 11,836 12,255 13,050 13,764
Interest 5,912 5,711 5,569 5,630 5,392 5,530 5,578 5,620 6,026 6,335 6,736 7,346 8,003
5,101 4,807 4,231 5,046 5,385 5,302 5,143 4,922 5,098 5,860 6,202 5,161 5,150
Financing Profit -953 -491 -902 -1,050 -1,293 -901 -872 -376 -396 -359 -683 543 611
Financing Margin % -9% -5% -10% -11% -14% -9% -9% -4% -4% -3% -6% 4% 4%
1,684 1,291 1,663 1,927 2,030 1,715 1,707 1,732 1,987 1,926 2,161 1,871 2,166
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 730 800 761 876 737 814 835 1,356 1,590 1,567 1,477 2,415 2,777
Tax % 42% 34% -121% -36% -49% 13% -19% 10% 22% 10% 1% 29% 28%
458 535 1,726 1,260 1,127 733 1,025 1,311 1,288 1,455 1,520 1,850 2,069
EPS in Rs 4.05 4.74 15.28 10.12 9.04 5.87 8.22 10.53 10.34 11.68 12.20 14.85 16.61
Gross NPA % 9.90% 9.05% 9.86% 9.70% 9.57% 9.13% 8.47% 8.13% 7.30% 6.53% 5.95% 5.47% 4.97%
Net NPA % 2.96% 2.35% 3.37% 3.47% 3.26% 2.72% 2.27% 2.12% 1.50% 1.00% 0.90% 0.70% 0.60%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 12,228 13,898 15,249 15,853 16,244 16,039 17,115 19,182 21,401 39,108 38,888 44,985 50,905
Interest 7,806 9,367 10,887 11,390 11,795 10,891 10,851 12,167 13,798 23,439 22,129 24,717 28,420
3,359 3,901 4,158 4,219 5,128 6,144 6,998 8,289 9,238 18,029 20,285 21,577 22,374
Financing Profit 1,063 629 204 245 -679 -996 -734 -1,273 -1,634 -2,360 -3,526 -1,309 112
Financing Margin % 9% 5% 1% 2% -4% -6% -4% -7% -8% -6% -9% -3% 0%
1,299 1,290 1,378 1,372 1,789 2,222 2,417 1,891 3,326 6,111 7,380 7,804 8,123
Depreciation 90 92 105 139 151 166 237 259 314 637 601 532 0
Profit before tax 2,271 1,827 1,476 1,478 958 1,060 1,445 359 1,377 3,115 3,253 5,963 8,235
Tax % 23% 13% 21% 31% 25% -33% 13% 11% 45% 3% -23% 11%
1,766 1,610 1,189 1,051 752 1,455 1,311 381 862 3,151 4,144 5,574 6,894
EPS in Rs 41.09 37.45 25.58 21.84 15.64 30.25 27.29 7.91 14.15 27.88 33.26 44.74 55.34
Dividend Payout % 18% 18% 18% 19% 10% 20% 0% 0% 0% 7% 20% 19%
Compounded Sales Growth
10 Years: 12%
5 Years: 21%
3 Years: 28%
TTM: 25%
Compounded Profit Growth
10 Years: 13%
5 Years: 34%
3 Years: 86%
TTM: 58%
Stock Price CAGR
10 Years: 15%
5 Years: 14%
3 Years: 79%
1 Year: 43%
Return on Equity
10 Years: 8%
5 Years: 9%
3 Years: 11%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 430 430 465 480 480 480 480 480 609 1,129 1,245 1,245 1,245
Reserves 10,081 11,263 13,559 14,549 16,010 16,954 18,235 19,235 22,159 38,329 43,706 48,261
Preference Capital 400 400 0 0 0 0 0 0 0 0 0 0
125,589 144,830 167,219 171,850 181,768 195,117 228,022 254,178 281,015 562,793 610,788 643,216
5,391 6,430 6,145 6,156 5,683 5,957 6,244 6,494 6,359 23,285 18,356 20,612
Total Liabilities 141,490 162,953 187,388 193,036 203,941 218,507 252,981 280,388 310,141 625,535 674,096 713,334
1,632 1,696 2,935 2,969 3,508 3,436 3,421 3,964 3,898 7,392 7,694 7,472
CWIP 5 1 3 5 8 11 1 1 1 0 5 9
Investments 37,996 41,899 46,935 46,060 53,283 67,781 71,619 65,272 81,871 178,292 176,502 188,366
101,857 119,357 137,515 144,001 147,143 147,280 177,940 211,152 224,371 439,850 489,896 517,487
Total Assets 141,490 162,953 187,388 193,036 203,941 218,507 252,981 280,388 310,141 625,535 674,096 713,334

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-1,880 3,447 -725 5,136 -931 -10,814 -3,676 6,270 -8,396 17,231 28,750 -27,894
-145 -191 -147 -236 -772 -179 -214 -176 -247 21,233 -305 -314
2,276 -2,431 1,727 -2,312 620 9,041 6,776 1,000 2,552 1,866 18 -1,543
Net Cash Flow 251 825 855 2,588 -1,082 -1,952 2,886 7,094 -6,091 40,329 28,464 -29,751

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 17% 15% 9% 7% 5% 9% 7% 2% 4% 10% 10% 12%

Shareholding Pattern

Numbers in percentages

Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
88.06% 88.06% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86%
0.84% 1.02% 2.99% 2.41% 1.85% 1.73% 2.06% 2.60% 3.60% 4.17% 4.00% 4.33%
4.44% 4.36% 10.44% 10.53% 10.60% 11.11% 11.67% 12.09% 11.94% 11.55% 11.57% 11.76%
6.66% 6.56% 6.71% 7.20% 7.70% 7.30% 6.42% 5.45% 4.62% 4.43% 4.58% 4.05%
No. of Shareholders 3,29,1303,31,2303,20,5693,43,9633,62,0553,49,6873,35,0743,14,3113,15,0963,13,4483,14,1863,06,649

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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