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PIONEER INSTITUTE OF PROFESSIONAL STUDIES

PRESENTATION ON SWOT ANALYSIS OF COMPANYANDHRA BANK

SUBMITTED TO PROF. RASHMI CHOUDHARY

SUBMITTED BY AYUSH CHOUBEY MBA 3 SEM

RD

PROF. NEHA ZANZARIYA

INDEX

TOPIC 1. COMPANY PROFILE 2. VISION 3. HEAD OFFICES 4. MISSION 5. 6. 7. 8. PROMOTERS PRODUCTS AND SERVICES FINANCIAL POSITION REFERENCES

PAGE NO 3 4 5 7 8 9 10 17

COMPANY PROFILE
"Andhra Bank" was founded by the eminent freedom fighter and a multifaceted genius, Dr. Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th November 1923 and commenced business on 28th November 1923 with a paid up capital of Rs 1.00 lakh and an authorised capital of Rs 10.00 lakhs.

Founder
Dr Bhogaraju Pattabhi Sitaramayya was born on 24th November 1880 in Gundugolanu village, West Godavari District in Andhra Pradesh. He was a renowned Freedom Fighter and a very illustrious personality. Andhra Bank has been awarded 'BEST BANK - for the Qualityof Assetsby BUSINESS TODAY for the year 2009-'10 on 08.12.2010. Andhra Bank has a wide range of products to cater to the needs of large, medium and small customers. It offer various credit facilities like Working capital Finance, Export Imort finance, Working capital Demand Loans ,Bill Finance Project Finance And Insurance Finance , Term Finance,Corporate Loans,Equipment Finance etc.

VISION
To be a trustworthy, efficient and strong bank committed to increasing our market share by generating innovative Customer-Centric services and products igniting the Passion and Creative talents in Human resource leveraging Technology to expand the clientele. To deliver Quality and Value Leading to Customer Delight.

Main City Branches

Agra Bangalore Chennai Goa Hyderabad Kerala Kolkata Mumbai New Delhi Pune

Head Office

5-9-11, Dr Pattabhi Bhavan, Secretariat Road, Saifabad Hyderabad 500 004. A.P. Ph: 040- 23252000 Extn : 2422 Fax: 040- 23231385 Toll Free No. 1800 425 2905

Branch Network (as of 30/06/2011)

Area

Branches
Metro Urban Semi-Urban Rural 266 485 457 432

Extension Counters Total (Indian) Representative Offices

Total (Global)

25 1665 2
1667

Zonal Offices

23

MISSION
To amplify the front line capabilities to serve customers. To develop processes leveraging technology dynamically. To locate & empower people fast-cycle knowledge into innovative products . To create possibilities to reach the business goals & position the bank as a rising star in the financial horizon.

PROMOTERS
Shri R Ramachandran Chairman & Managing Director Shri Anil Girotra Executive Director Shri A A Taj Executive Director Smt Madhulika P Sukul Govt. of India Nominee Director Shri K R Ananda RBI Nominee Director Shri Prem Prakash Pareek Director Shri V H Ramakrishnan Director Shri K Raghuraman Director Shri Manoranjan Das Director

PRODUCT AND SERVICES

Deposit Schemes AB Savings Accounts , AB Current Accounts , AB Term Deposits , AB Arogyadaan Scheme, AB Bancassurance Life, AB Bancassurance (Non Life) Technology Products Multi City Cheque Facility On-Line Tax Accounting System (OLTAS) Real Time Gross Settlement (RTGS) Instant Funds Transfer ATM Services Any Branch Banking Electronic Clearing Service (ECS) National Electronic Funds Transfer

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FINANCIAL POSITION
in Cr.
Mar 2011 CAPITAL AND LIABILITIES Capital = 559.58 Reserves and Surplus = 5,954.60 Minority Interest = 0.00 Deposits= 92,143.11 Borrowings= 7,639.74 Other Liabilities & Provisions= 2,648.45 TOTAL= 1,08,945.48

ASSETS Cash & Balances with RBI 7,184.41 Balances with Banks & money at Call & Short Notice= 3,274.54 Investments 24,238.40 Advances 71,435.36 Fixed Assets 317.50 Other Assets 2,495.27 TOTAL 1,08,945.48

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Profit before Tax = 14272 Provision for Tax = 3943 Net Profit = 10329 Total Capital Employed=2200973
------------------- in Rs. Cr. -------------------

Quarterly Results

Jun '11

Mar '11

Sales Turnover

2,634.23

2,363.50

Other Income

216.95

298.98

Total Income

2,851.18

2,662.47

Total Expenses

604.62

751.73

Operating Profit

2,029.61

1,611.77

Profit On Sale Of Assets

--

--

Profit On Sale Of Investments

--

--

Gain/Loss On Foreign Exchange

--

--

VRS Adjustment

--

--

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Other Extraordinary Income/Expenses

--

--

Total Extraordinary Income/Expenses

--

--

Tax On Extraordinary Items

--

--

Net Extra Ordinary Income/Expenses

--

--

Gross Profit

2,246.56

1,910.75

Interest

1,723.85

1,501.96

PBDT

522.71

408.78

Depreciation

--

--

Depreciation On Revaluation Of Assets

--

--

PBT

522.71

408.78

Tax

137.00

96.00

Net Profit

385.71

312.78

Prior Years Income/Expenses

--

--

Depreciation for Previous Years Written Back/ Provided

--

--

Dividend

--

--

Dividend Tax

--

--

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Dividend (%)

--

--

--

--

--

Earnings Per Share

6.89

5.59

Book Value

--

--

Equity

559.58

559.58

Reserves

5,932.84

5,932.84

Face Value

10.00

10.00

Source : Dion Global Solutions Limited

Key Financial Ratios of Andhra Bank

------------------- in Rs. Cr. -------------------

Mar '11

Mar '10

Mar '09

Mar '08

Mar

Investment Valuation Ratios

Face Value

10.00

10.00

10.00

10.00

10.00

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Dividend Per Share

5.50

5.00

Operating Profit Per Share (Rs)

29.12

26.67

Net Operating Profit Per Share (Rs)

156.65

144.83

Free Reserves Per Share (Rs)

64.32

41.42

Bonus in Equity Capital

--

--

Profitability Ratios

Interest Spread

4.59

4.48

Adjusted Cash Margin(%)

14.95

15.54

Net Profit Margin

13.79

14.17

Return on Long Term Fund(%)

102.46

127.15

Return on Net Worth(%)

19.51

23.71

Adjusted Return on Net Worth(%)

19.50

23.70

Return on Assets Excluding Revaluations

116.02

90.93

Return on Assets Including Revaluations

116.02

90.93

Management Efficiency Ratios

Interest Income / Total Funds

8.80

8.85

Net Interest Income / Total Funds

3.71

3.58

Non Interest Income / Total Funds

0.42

0.45

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Interest Expended / Total Funds

5.09

5.26

Operating Expense / Total Funds

2.07

1.96

Profit Before Provisions / Total Funds

1.95

1.95

Net Profit / Total Funds

1.27

1.32

Loans Turnover

0.14

0.14

Total Income / Capital Employed(%)

9.22

9.29

Interest Expended / Capital Employed(%)

5.09

5.26

Total Assets Turnover Ratios

0.09

0.09

Asset Turnover Ratio

10.58

20.08

Profit And Loss Account Ratios

Interest Expended / Interest Earned

61.15

65.56

Other Income / Total Income

4.59

4.80

Operating Expense / Total Income

22.48

21.04

Selling Distribution Cost Composition

0.11

0.09

Balance Sheet Ratios

Capital Adequacy Ratio

14.38

13.93

Advances / Loans Funds(%)

77.93

77.80

Debt Coverage Ratios

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Credit Deposit Ratio

75.10

73.14

Investment Deposit Ratio

26.54

27.57

Cash Deposit Ratio

8.17

8.43

Total Debt to Owners Fund

14.19

17.62

Financial Charges Coverage Ratio

0.40

1.39

Financial Charges Coverage Ratio Post Tax

1.27

1.27

Leverage Ratios

Current Ratio

0.03

0.02

Quick Ratio

31.05

27.03

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit

28.23

27.03

Dividend Payout Ratio Cash Profit

26.02

24.63

Earning Retention Ratio

71.76

72.95

Cash Earning Retention Ratio

73.97

75.36

AdjustedCash Flow Times

67.09

67.71

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

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Earnings Per Share

22.64

21.56

13.46

11.87

11.09

REFERENCES WWW.ANDHRABANK.COM WWW.MONEYCONTROL.COM

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