Comparative Ratio Analysis-SB

Financial Ratios
Mar '15
Investment Valuation Ratios

Face Value
10
Dividend Per Share
4.7
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
31.48
326.48
Profitability Ratios
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
4.96
7.2
7.04
149.01
Return on Net Worth(%)
12.54
Adjusted Return on Net Worth(%)
12.54
Return on Assets Excluding Revaluations
183.37
Return on Assets Including Revaluations
197.24
Management Efficiency Ratios

Interest Income / Total Funds
7.82
Net Interest Income / Total Funds
Non Interest Income / Total Funds
0.76
Interest Expended / Total Funds
5.82
Operating Expense / Total Funds
1.24
Profit Before Provisions / Total Funds
1.45
Net Profit / Total Funds
0.55
Loans Turnover
0.11
Total Income / Capital Employed(%)
8.58
Interest Expended / Capital Employed(%)
5.82
Total Assets Turnover Ratios
0.08
Asset Turnover Ratio
0.08
Profit And Loss Account Ratios
Interest Expended / Interest Earned

Other Income / Total Income
Operating Expense / Total Income
74.46
8.89
14.48
Balance Sheet Ratios

Capital Adequacy Ratio
10.54
Advances / Loans Funds(%)
78.96
Debt Coverage Ratios

Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
80.52
26.7
5.28
21.04
Financial Charges Coverage Ratio
0.26
Financial Charges Coverage Ratio Post Tax
1.11
Leverage Ratios
Current Ratio
Quick Ratio
0.02
26.92
Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
20.43
18.2
79.57
81.8
149.39
Mar '15
Earnings Per Share
Book Value
23
183.37
Mar '14
Mar '13
Mar '12
10
10
10
5.5
6.7
3.8
37.72
39.47
38.82
298.12
284.42
253.65
5.06
5.72
6.31
9.17
11.5
8.43
9.19
11.7
8.6
135.11
138.3
147.17
15.7
20.95
16.34
15.7
20.95
16.34
174.48
158.91
133.5
189.63
175.12
150.2
8.01
8.66
9.05
2.38
2.76
3.01
0.57
0.59
0.64
5.63
5.9
6.03
1.37
1.56
1.63
1.53
1.74
1.98
0.74
1.01
0.78
0.12
0.13
0.13
8.58
9.25
9.68
5.63
5.9
6.03
0.08
0.09
0.09
0.08
0.09
0.09
70.25
68.14
66.7
6.64
6.42
6.58
15.96
16.83
16.81
11.41
12.59
12.24
80.94
80.48
78.83
80.84
79
78.49
25.44
25.19
25.85
5.23
4.92
6.56
19.49
19.38
19.65
0.28
0.3
0.34
1.14
1.18
1.14
0.03
0.02
0.02
22.79
24.89
27.62
21.62
20.12
17.41
20.22
19.15
16.58
78.38
79.88
82.59
79.78
80.85
83.42
116.06
88.05
114.5
Mar '14
Mar '13
Mar '12
27.4
33.3
21.82
174.48
158.91
133.5
Mar '11
10
3.7
33.24
199.74
5.85
9.04
9.15
125.48
15.74
15.74
116.12
122.99
7.77
2.97
0.62
4.8
1.68
1.87
0.71
0.12
8.39
4.8
0.08
0.08
61.73
7.4
20.03
13.04
77.85
78.06
26.95
6.98
20.37
0.4
1.16
0.01
27.33
20.24
18.95
79.76
81.05
121.19
Mar '11
18.28
116.12
Net Profit Margin(%)

Cost of Funds Ratio
Int. Expended/Int. Earned
Other Income/Total Income
Syndicate Bank
Peers Average
7.04
7.78
5.7
6.45
74.46
71.88
8.89
8.4
80
70
60
50
40
30
20
10
0
Syndicate Bank
Peers Average
Ownership pattern
Promoter Insurance Cos.
69.24
9.32
A greater than 35 % promoter holding

Also, the large institutional holding in the bank
Bank & FIs

Mutual Fund & UTI
0.21
0.85
Promote
Insuranc
Bank & F
Mutual F
Bodies C
FIIs
Others
35 % promoter holding offers safety to the retail investors. Large promoter holding indi
onal holding in the bank indicates the confidence of seasoned investors. At the same tim
institutions buy and sell larger stakes than retail participan
Bodies Corporate
FIIs
1.92
7.64
Promoter
Insurance Cos.
Bank & FIs
Mutual Fund & UTI
Bodies Corporate
FIIs
Others
nvestors. Large promoter holding indicates conviction and sincerity of the promoters.
f seasoned investors. At the same time, it can also lead to high volatility in the stock pr
sell larger stakes than retail participants.
Others
10.82
er
ce Cos.
FIs
Fund & UTI
Corporate
dicates conviction and sincerity of the promoters.

me, it can also lead to high volatility in the stock price as
nts.
Return on Assets
Operating Expenses/Total Funds
The return on assets of the bank ha
The lower value of this ratio indi
Quick Ratio
Higher the quick ratio,more likely w

Th
Credit Deposit Ratio
Cash Deposit Ratio
Net Interest Margin
The Credit De
This
This ratio assesses the cash performa

sustainable earnings of the
Net interest margin (NIM) is a measu

the amount of interest paid ou
NIM for syndicate bank at 2.79 is highe
ets of the bank has continually increased over the five years that shows effective manag
has been efficient in converting assets into net earnings
e of this ratio indicates expense control and that management and staff are generating
atio,more likely will the company be able to pay its short term bills.The quick ratio for sy
This shows the bank's robustness in paying off its short term obligations
The Credit Deposit Ratio of Syndicate Bank (80.84) is higher than the industry avera
This indicates the good credit performance of the bank compared to its pe
he cash performance of the bank.The industry average is 5.53 while the Syndicate bank
ble earnings of the bank is high,it could improve upon its performance to make itself mo
n (NIM) is a measure of the difference between the interest income generated by banks
of interest paid out to their lenders (for example, deposits), relative to the amount of th
k at 2.79 is higher than the industry average of 2.70.This indicates the need to maintain
as continually increased over the five years that shows effective managerial efficiency i.
has been efficient in converting assets into net earnings
icates expense control and that management and staff are generating more funds than
will the company be able to pay its short term bills.The quick ratio for syndicate bank for
his shows the bank's robustness in paying off its short term obligations.
eposit Ratio of Syndicate Bank (80.84) is higher than the industry average of 78.92(2014
indicates the good credit performance of the bank compared to its peers
ance of the bank.The industry average is 5.53 while the Syndicate bank stands at 5.23.T
e bank is high,it could improve upon its performance to make itself more fundamentally
ure of the difference between the interest income generated by banks or other financial
ut to their lenders (for example, deposits), relative to the amount of their (interest-earni
er than the industry average of 2.70.This indicates the need to maintain the balance of a
Bank
State B Bikaner
State Bk Mysore
Canara bank
State Bk Travan
Union Bank
Indian Bank
Syndicate Bank
SBI
BOI
BOB
Oriental Bank
PNB
Andhra Bank
Allahabad Bank
UCO Bank
Corporation Bank
IDBI Bank
Vijaya Bank
Central Banl
Bank of Mah
Punjab & Sind
Dena Bank
United Bank
EPS
118.99
89.16
46.09
44.22
25.74
21.1
20.23
17.77
15.52
13.93
13.02
12.82
12.17
11.46
8.12
6.65
5.63
4.9
3.73
3.69
3.57
3.55
2.89
EPS indicates the portion of a company's profit allocated to each outstan

Syndicate Bank stands well at seventh position among top twenty ban
Also its investments as a percentage of total assets is 23.97.Thus the bank has
to generate income for shareholders
cated to each outstanding share of common stock

among top twenty banking sector shares by EPS.
3.97.Thus the bank has been efficient in using its capital
e for shareholders
Central Bank
SBI
Bank of Baroda
Oriental Bank
PNB
Punjab & Sind
27.73
15.11
13.24
13.12
12.97
12.51
Dena Bank
12.42
IDBI Bank
11.76
Bank of India
State Bank Travan
Bank of Mah
Union Bank
United Bank
Vijaya Bank
Allahabad Bank
Corporation Bank
Indian Bank
Canara Bank
UCO Bank
Andhra Bank
State Bk Mysore
Syndicate Bank
State B Bikaner
10.97
9.63
9.61
8.08
7.94
7.94
7.94
7.73
6.98
6.63
6.53
6.21
5.22
5.04
4.63
Low P/E of Syndicate Bank indicates that the stock

stock for long term investement purposes.The l
UCO bank and Syndicate bank are two value stocks with low
35
Average Stock Returns

Andhra Bank
Canara Bank
Central Bank
Corporation Bank
Indian Bank
PNB
Syndicate Bank
UCO Bank
30
15.64
16.93
5.27
18.2
12.47
15.87
30
20.8
25
20
15
10
5
0
s that the stock is undervalued.Investors can choose such a

purposes.The last five years average returns show that
e stocks with low p/e ratio and minimun risk available in the market
35
30
25
20
15
10
5
0
estors can choose such a

age returns show that
nimun risk available in the market

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Financial Ratios

Investment Valuation Ratios

Dividend Per Share

Operating Profit Per Share (Rs)

Net Operating Profit Per Share (Rs)

Return on Net Worth(%)

Adjusted Return on Net Worth(%)

Return on Assets Excluding Revaluations

Return on Assets Including Revaluations

Management Efficiency Ratios

Net Interest Income / Total Funds

Non Interest Income / Total Funds

Interest Expended / Total Funds

Operating Expense / Total Funds

Profit Before Provisions / Total Funds

Net Profit / Total Funds

Total Income / Capital Employed(%)

Interest Expended / Capital Employed(%)

Total Assets Turnover Ratios

Asset Turnover Ratio

Profit And Loss Account Ratios

Interest Expended / Interest Earned

Balance Sheet Ratios

Advances / Loans Funds(%)

Debt Coverage Ratios

Financial Charges Coverage Ratio

Financial Charges Coverage Ratio Post Tax

Cash Flow Indicator Ratios

Net Profit Margin(%)

A greater than 35 % promoter holding

Bank & FIs

Fund & UTI

dicates conviction and sincerity of the promoters.

Operating Expenses/Total Funds

The return on assets of the bank ha

The lower value of this ratio indi

Higher the quick ratio,more likely w

Cash Deposit Ratio

Net Interest Margin

This ratio assesses the cash performa

Net interest margin (NIM) is a measu

EPS indicates the portion of a company's profit allocated to each outstan

cated to each outstanding share of common stock

Low P/E of Syndicate Bank indicates that the stock

Average Stock Returns

s that the stock is undervalued.Investors can choose such a

Average Stock Returns

estors can choose such a

Average Stock Returns

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