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    Sajna Nadigadda
    The document analyzes the performance of three major public sector banks in India - Bank of India, Bank of Baroda, and Andhra Bank - over a 5-year period from 2011 to 2015. It provides key financial metrics like earnings per share, dividends, profit, debt-equity ratio, return on equity, and net non-performing assets for each bank. The compound annual growth rates of these metrics are also calculated to evaluate the performance and health of each bank over the period analyzed. The document concludes by stating that ideally banks should show high growth in profits and returns and low growth in debt and bad loans.

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    Presentation 1

    Uploaded by

    Sajna Nadigadda
    32 views10 pages
    The document analyzes the performance of three major public sector banks in India - Bank of India, Bank of Baroda, and Andhra Bank - over a 5-year period from 2011 to 2015. It provides key financial metrics like earnings per share, dividends, profit, debt-equity ratio, return on equity, and net non-performing assets for each bank. The compound annual growth rates of these metrics are also calculated to evaluate the performance and health of each bank over the period analyzed. The document concludes by stating that ideally banks should show high growth in profits and returns and low growth in debt and bad loans.

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    The document analyzes the performance of three major public sector banks in India - Bank of India, Bank of Baroda, and Andhra Bank - over a 5-year period from 2011 to 2015. It provides key financial metrics like earnings per share, dividends, profit, debt-equity ratio, return on equity, and net non-performing assets for each bank. The compound annual growth rates of these metrics are also calculated to evaluate the performance and health of each bank over the period analyzed. The document concludes by stating that ideally banks should show high growth in profits and returns and low growth in debt and bad loans.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    32 views10 pages

    Presentation 1

    Uploaded by

    Sajna Nadigadda
    The document analyzes the performance of three major public sector banks in India - Bank of India, Bank of Baroda, and Andhra Bank - over a 5-year period from 2011 to 2015. It provides key financial metrics like earnings per share, dividends, profit, debt-equity ratio, return on equity, and net non-performing assets for each bank. The compound annual growth rates of these metrics are also calculated to evaluate the performance and health of each bank over the period analyzed. The document concludes by stating that ideally banks should show high growth in profits and returns and low growth in debt and bad loans.

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    INTRODUCTION

    &
    PERFORMANCE ANALYSIS OF FEW PUBLIC SECTOR BANKS
    IN INDIA

    PRESENTED BY
    O.KUSUMAR
    BANK OF INDIA
    INTRODUCTION:
    • Bank of India was Founded in 1906, it has been
    government-owned since nationalisation in 1969.
    • It’s headquarters are in Mumbai
    • Starting out with a with a paid-up capital of Rs.50 lakh
    and 50 employees, it now has 4963 branches with 54
    Zonal Offices,60 branches, 5 Subsidiaries and 1 joint
    venture abroad.
    • Presently Bank has overseas presence in 22 foreign
    countries spread over 5 continents
    • The Bank has been the first among the nationalised
    banks to establish a fully computerised branch
    • It has introduced ATM facility at Mumbai way back
    in 1989.
    • The Bank is also a Founder Member of SWIFT in
    India.
    • It launched the Health Code System in 1982, for
    rating its credit portfolio. 
    • Total no of ATMs are 7740
    • PERFORMANCE ANALYSIS:
    • Market capitalization = RS 9,305.71 Cr.
    COMPUNDED
    ANNUAL
    GROWTH RATE
    Particulars 01-03-2011 01-03-2012 01-03-2013 01-03-2014 01-03-2015 (CAGR)
    Earnings per share 46.5 47.5 47.3 46.5 30.3
    (Unadj.) in RS -2.745432277
    Adj. dividends per
    5.96 6.25 9.28 5 5.18
    share (in Rs) -1.95152219
    Avg P/E ratio 9.7 8 6.8 5.1 9.1 -1.902880451
    Dividend payout ratio 15 14.7 21.1 10.8 16.5
    0.084471771
    Profit after tax ( In
    25,424 27,249 28,199 29,868 20,129
    Millions-Rs) -6.556140161
    Debt/equity ratio 18.2 16.4 17.1 17.1 17.7 -1.870550563
    Return on equity 14.4 12.7 11.5 9.7 6.2 -2.523220481
    Capital adequacy 12.2 12 11 10.8 11.4
    ratio -1.9563525
    Net NPAs 0.9 1.5 2.1 2 3.4 0.201124434
    BANK OF BARODA
    • The bank was founded by the Maharaja of Baroda on 20 July
    1908 in Baroda , Gujarat 
    • The bank was nationalised on 19 July 1969, by the Government
    of India
    • It is an Indian state-owned banking and financial services
    company headquartered in Vadodara
    • It is the second-largest public sector bank in India, after State
    Bank of India
    • The bank has total assets in excess of ₹ 3.58 trillion
    • Also it has a network of 5307 branches in India and abroad, and
    • It has over 8000 ATMs. 
    PERFORMANCE ANALYSIS:
    • Market capitalization = RS 37,036.51 Cr.
    COMPUNDED
    ANNUAL
    GROWTH RATE
    Particulars 01-03-2011 01-03-2012 01-03-2013 01-03-2014 01-03-2015 (CAGR)
    Earnings per share 113.2 127.7 114 116.5 17.6
    (Unadj.) in RS -3.489382192
    Adj. dividends per
    share (in Rs) 2.92 3.16 4.1 4.17 3.22
    -0.213996914
    Avg P/E ratio 7.4 6.4 6.6 5.1 10.8 0.277308445
    Dividend payout ratio 14.6 13.3 18.9 18.5 18.2 0.29199401
    Profit after tax ( In
    Millions-Rs) 44,337 52,486 48,042 50,007 39,117
    -6.540310445
    Debt/equity ratio 15.3 14.6 15.3 16.3 15.8 -0.129449437
    Return on equity 14.4 12.7 11.5 9.7 6.2 -2.523220481
    Capital adequacy ratio 14.5 14.7 13.3 12.3 12.6 -2.136974489
    Net NPAs 0.4 0.5 1.3 1.5 1.9 0.084471771
    ANDHRA BANK
    INTRODUCTION:
    • Andhra Bank was founded by the eminent freedom fighter Dr. Bhogaraju
    Pattabhi Sitaramayya and has commenced business on 28th November
    1923 with a paid up capital of Rs 1.00 lakh
    • The Government of India owns 58% of its share capital and the state
    owned Life Insurance Corporation of India holds 10% of the shares.
    • It is a medium-sized public sector bank (PSB), with a network of 2507
    branches
    • It has 2232 automated teller machines (ATMs) as on 31 Mar 2015 and
    planning to open 300+ branches by 31 March 2016
    • Andhra Bank has ranked No.1 in terms of number of Life Insurance
    Policies mobilised amongst all the agency banks dealing with the Life
    Insurance Corporation of India.
    • IndiaFirst Life Insurance (Incorporated in November 2009) is a joint
    venture between two of India’s public sector banks – Bank of Baroda
    (44%) and Andhra Bank (30%), and UK’s financial and investment company
    Legal & General(26%).
    • IndiaFirst is the first life insurance company to be recommended for ISO
    certification within 7 months of inception.
    • Andhra Bank is a pioneer in introducing Credit Cards in the country in
    1981

    AWARDS RECEIVED:
    • BEST BANK MID-SIZE Businessworld– PricewaterhouseCoopersSurvey for
    India's Best Banks 2010
    • BEST BANK – for the Quality of Assets by Business Today
    • BEST PUBLIC SECTOR BANK by State Forum of Bankers' Club Kerala
    • MSME NATIONAL AWARD
    • PERFORMANCE ANALYSIS:
    • Market capitalization= RS 4,158.48 Cr.
    COMPUNDED
    Particulars 01-03-2011 01-03-2012 01-03-2013 01-03-2014 01-03-2015 ANNUAL
    GROWTH RATE
    (CAGR)
    Earnings per share 22.4 23.8 23 7.4 10.6 -2.638235759
    (Unadj.) in RS
    Adj. dividends per 5.11 5.11 4.64 1.08 2 -2.254735189
    share (in Rs)
    Avg P/E ratio 6.6 5 4.7 10 8.1 0.084471771
    Dividend payout ratio 24.5 23.1 21.8 14.9 18.9 -2.411359352

    Profit after tax ( In


    12,548 13,345 12,845 4,356 6,384 -6.727597964
    Millions-Rs)
    Debt/equity ratio 15.3 15.2 16 17.7 16.9 0.098560543
    Return on equity 19.2 17.8 15.2 5 6.3 -2.667700051
    Capital adequacy ratio 14.4 13.2 11.8 10.8 10.6 -2.306040725
    Net NPAs 0.4 0.9 2.5 3.1 2.9 0.201124434
    CONCLUSION:
    • Ideally companies are expected to have high
    EPS, Dividends, Net profit margin, returns
    available to shareholders and low Non
    Performing assets and optimal debt/equity
    ratio.
    • Above companies have been evaluated based
    on the CAGR of the respective criteria.

    SOURCE:
    • http://www.moneycontrol.com/
    • https://www.equitymaster.com/

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