Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.65%
Net Profit Growth (5y)
32.25%
Advance to Deposit
73.86%
Capital Adequacy Ratio (Tier 1)
14.49%
Gross NPA (latest)
1.98%
Gross NPA (avg)
4.69%
Coverage Ratio (avg)
87.23%
Cost to Income (avg)
45.43%
Net Interest Margin (avg)
3.15%
Operating Profit to Assets (avg)
4.14%
ROA (avg)
0.97%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Price to Book Value
1.51
PEG Ratio
0.86
Dividend Yield
2.08%
ROE (Latest)
15.53%
ROA (Latest)
1.23%
Net NPA to Book Value
1.23
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
GROSS NPA(Q)
Lowest at 1.98%
INTEREST EARNED(Q)
Highest at Rs 17,480.39 cr
PBDIT(Q)
Highest at Rs 2,786.05 cr.
PAT(Q)
Highest at Rs 3,103.13 cr.
NII(Q)
Highest at Rs 7,109.51 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 34,054.56 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 79.12%
OPERATING PROFIT TO NET SALES(Q)
Highest at 15.94%
EPS(Q)
Highest at Rs 23.04
NET NPA(Q)
Lowest at 0.15%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 61.57 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Indian Bank
Gross NPA - Quarterly
Lowest at 1.98% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 17,480.39 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,786.05 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 3,103.13 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 7,109.51 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 15.94%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Earnings per Share (EPS) - Quarterly
Highest at Rs 23.04
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.15%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 34,054.56 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio - Half Yearly
Highest at 79.12%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Indian Bank
Non Operating Income - Quarterly
is 61.57 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
