Indian Bank

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

Indian Bank

₹ 532 0.24%
22 Nov - 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

Market Position
Indian Bank is the seventh-largest public sector bank in terms of deposits and advances after the announcement of amalgamations for other PSBs. [1]

Website BSE NSE
  • Market Cap ₹ 71,605 Cr.
  • Current Price ₹ 532
  • High / Low ₹ 633 / 391
  • Stock P/E 7.56
  • Book Value ₹ 433
  • Dividend Yield 2.26 %
  • ROCE 5.93 %
  • ROE 15.2 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 90.3% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.3%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.3% over last 3 years.
  • Contingent liabilities of Rs.3,50,182 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

Part of BSE 250 LargeMidCap Index BSE Financial Services BSE 400 MidSmallCap Index BSE Dollex 200 BSE PSU

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 9,475 9,926 9,832 10,154 10,710 11,834 12,244 13,049 13,743 14,198 14,624 15,039 15,348
Interest 5,391 5,531 5,577 5,620 6,026 6,335 6,736 7,346 8,003 8,383 8,609 8,861 9,153
5,321 5,156 5,004 4,793 4,941 5,670 6,050 5,019 4,981 4,968 5,221 4,840 4,987
Financing Profit -1,238 -761 -749 -259 -257 -171 -541 684 759 846 795 1,338 1,207
Financing Margin % -13% -8% -8% -3% -2% -1% -4% 5% 6% 6% 5% 9% 8%
1,966 1,556 1,573 1,605 1,828 1,716 1,994 1,710 1,993 1,902 2,263 1,906 2,422
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 728 795 824 1,345 1,571 1,546 1,453 2,394 2,752 2,748 3,057 3,243 3,629
Tax % -50% 13% -19% 10% 22% 10% 0% 29% 28% 23% 26% 26% 25%
1,089 690 984 1,213 1,225 1,396 1,447 1,709 1,988 2,119 2,247 2,403 2,706
EPS in Rs 8.75 5.54 7.90 9.74 9.84 11.21 11.62 13.72 15.96 15.73 16.68 17.84 20.09
Gross NPA % 9.56% 9.13% 8.47% 8.13% 7.30% 6.53% 5.95% 5.47% 4.97% 4.47% 3.95% 3.77% 3.48%
Net NPA % 3.26% 2.72% 2.27% 2.12% 1.50% 1.00% 0.90% 0.70% 0.60% 0.53% 0.43% 0.39% 0.27%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 13,897 15,249 15,853 16,244 16,040 17,114 19,185 21,405 39,106 38,856 44,942 55,615 59,209
Interest 9,368 10,889 11,392 11,798 10,894 10,850 12,167 13,799 23,440 22,128 24,717 32,342 35,007
3,895 4,152 4,218 5,122 5,433 7,357 8,358 9,233 17,778 19,842 20,925 19,665 20,016
Financing Profit 634 209 243 -676 -287 -1,093 -1,340 -1,626 -2,112 -3,114 -700 3,609 4,186
Financing Margin % 5% 1% 2% -4% -2% -6% -7% -8% -5% -8% -2% 6% 7%
1,283 1,372 1,363 1,781 2,211 2,406 1,883 3,312 5,650 6,915 7,143 7,867 8,492
Depreciation 91 105 138 151 166 236 259 314 633 598 529 524 0
Profit before tax 1,826 1,476 1,469 955 1,758 1,076 284 1,373 2,906 3,204 5,914 10,951 12,678
Tax % 13% 21% 32% 26% 20% -17% -13% 45% -3% -23% 11% 26%
1,581 1,159 1,005 711 1,406 1,259 322 753 3,005 3,945 5,282 8,063 9,476
EPS in Rs 36.79 24.93 20.93 14.81 29.27 26.21 6.70 12.37 26.61 31.67 42.41 59.86 70.34
Dividend Payout % 18% 19% 20% 10% 20% 0% 0% 0% 8% 21% 20% 20%
Compounded Sales Growth
10 Years: 14%
5 Years: 24%
3 Years: 12%
TTM: 16%
Compounded Profit Growth
10 Years: 21%
5 Years: 90%
3 Years: 39%
TTM: 45%
Stock Price CAGR
10 Years: 11%
5 Years: 35%
3 Years: 50%
1 Year: 30%
Return on Equity
10 Years: 9%
5 Years: 11%
3 Years: 12%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 430 465 480 480 480 480 480 609 1,129 1,245 1,245 1,347
Reserves 11,143 13,406 14,615 15,779 16,682 17,968 18,908 21,480 37,283 42,463 46,727 57,041
145,243 167,239 171,871 181,795 195,146 228,054 254,213 281,056 562,805 610,827 643,239 711,131
6,007 6,116 5,869 5,655 5,925 6,213 6,463 6,323 22,209 17,132 19,289 23,100
Total Liabilities 162,823 187,226 192,836 203,710 218,233 252,716 280,065 309,468 623,427 671,668 710,501 792,619
1,690 2,929 2,963 3,503 3,432 3,418 3,961 3,895 7,375 7,680 7,455 7,499
CWIP 1 3 5 8 11 1 1 1 1 4 4 16
Investments 41,805 46,810 45,728 53,089 67,552 71,398 64,992 81,242 176,537 174,559 185,988 212,554
119,327 137,484 144,139 147,110 147,239 177,900 211,112 224,331 439,513 489,426 517,053 572,549
Total Assets 162,823 187,226 192,836 203,710 218,233 252,716 280,065 309,468 623,427 671,668 710,501 792,619

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
3,436 -728 5,139 -931 -10,819 -3,676 6,268 -8,401 38,979 28,732 -27,943 -8,613
-179 -147 -236 -772 -179 -214 -176 -247 -543 -299 -297 -605
-2,431 1,727 -2,312 620 9,041 6,776 1,000 2,552 1,866 18 -1,543 1,195
Net Cash Flow 825 852 2,591 -1,082 -1,958 2,886 7,093 -6,096 40,302 28,452 -29,783 -8,023

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 14% 9% 7% 5% 8% 7% 2% 4% 10% 10% 12% 15%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 73.84% 73.84% 73.84% 73.84%
1.85% 1.73% 2.06% 2.60% 3.60% 4.17% 4.00% 4.33% 5.89% 5.29% 5.38% 4.99%
10.60% 11.11% 11.67% 12.09% 11.94% 11.55% 11.57% 11.76% 15.84% 16.95% 16.87% 17.35%
7.70% 7.30% 6.42% 5.45% 4.62% 4.43% 4.58% 4.05% 4.44% 3.93% 3.90% 3.82%
No. of Shareholders 3,62,0553,49,6873,35,0743,14,3113,15,0963,13,4483,14,1863,06,6493,12,7703,08,1653,21,7123,25,449

* 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.

Click on the line-items to see the names of individual entities.

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