NSC Sort Codes Search & Finder Tools
National Sort Code (NSC) is a six digits numerical codes used to identify an individual branch of a financial institution in the United Kingdom (UK).
The sort code, which is a six-digit number, is usually formatted as three pairs of numbers, for example 21-43-67.
It identifies both the bank and the branch where the account is held. In some cases, the first digit of the national sort code identifies the bank itself and in other
cases the first two digits identify the bank.
Search For A NSC Sort Code
Sort Code Checker. A sort code is the name given by both the British and Irish banking industry to the bank codes which are used to route money
transfers between banks within their respective countries via their respective clearance organizations.
To find the Ireland National Sort Code (NSC), kindly select the bank, city and branch where the bank is located. The National Sort Code (NSC) finder
will display the result beneath the search from.
The search result will display the selected bank National Sort Code (NSC), address, swift code, address, & contact number.
If for some reason, the search function is not working, kindly refresh this page.
Analysis of Financial Ratios
NIM (Net Interest Margin):
Net interest margin (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their (interest-earning) assets. Thus, it also has high correlation to interest spread and thus impacts profitability of the bank. NIM of Andhra Bank is 2.77 which is greater than the average of all public sector banks but less than average NIM of all banks in India. This indicates that the bank is doing well as compared to an average PSB in India but lagging among all banks in India.
COF (Cost of Funds):
Cost of funds for a bank is the average interest rate paid to depositors on financial products such as savings account, current account, and fixed deposits etc. Lower CoF is better for banks as it will increase profitability. COF of Andhra Bank is 7.13 which is poorer than the average among PSBs as well as poorer than average CoF of all banks.
Return on Advances:
Return on advances indicates the average interest rate at which the bank lends money to the borrowers. Higher return of advances is better for higher profitability of the bank (however, higher interest rates also indicate risky assests). So this ratio should be read along with NPA Ratio for better understanding about the bank.
Return on Equity (ROE):
Return on equity is the measure of bank's profitability. Higher the better. [RoE = Net Profit / Total Equity].
Capital to Risk-Weighted Assets Ratio (also known as Capital Adequacy Ratio is the ratio of bank's capital to its risk. This ratio is also monitored by RBI for all banks and higher value indicates higher stability for a bank. CRAR of Andhra Bank is 11.76 which is less than group average among PSBs and also less than average of all banks.
Non Performing Assets refer to loans that are in jeopardy of default. Once the borrower has failed to make interest or principal payments for 90 days the loan is considered to be a non-performing asset. Thus, NPA Ratio = [Non Perforing Assets/Total Assets]. Higher NPA Ratio indicates riskiness of the bank and losses as it may result in write downs. If you are investing in a bank, be aware to check this ratio carefully. NPA Ratio of Andhra Bank is 2.45 which is high and it is poorer than average NPA of PSBs as well as average NPA of all banks.