Privacy Policy

This privacy policy document outlines the types of personal information that is received and collected by Finclan.com and how it is used.

We value your privacy and we give it the utmost importance. If you require any more information or have any questions about our privacy policy, please feel free to contact us.

This privacy policy document outlines the types of personal information that is received and collected by Finclan.com and how it is used.

Log Files

Like many other Web sites, Finclan.com makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Do we use 'cookies'?

Finclan.com does use cookies to store information about visitor’s preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.

Third Party Disclosure

Third party links

Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users.

https://support.google.com/adwordspolicy/answer/1316548?hl=en. Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on their visit to our site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

We have implemented the following:

Google AdSense

We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website.

Opting out:

Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt out Browser add-on.

Email Addresses

When you make a comment or contact me using the contact page you email is required. Please be assured that you email address will only be used for responding to your email or comment and will never be made publicly available. We will never sell your email address to any third parties, ever.

Comments

The author does not assume responsibility over comments he did not make on this blog. While comments are welcome from anybody, we reserve the right to remove any comment that is not deemed suitable for publication. This could include but is not limited to objectionable and abusive comments, racist remarks, or any other form of unethical behavior. If found involved in such behavior, the comments will be deleted and the commenter will be banned. We have zero tolerance for spammers.

Copyrights

Extreme caution has been taken to make sure that there are no copyright infringements in terms of the multimedia content and the subject matter that is posted on this blog. If you find anything that could be considered a violation of the copyright norms, please contact us immediately.

Finclan.com Content Copyright Notice

The entire content of this website is copyrighted to Finclan.com and should not be reproduced anywhere else without written authorization from the owner. Websites that are copying content in the form of RSS feeds, bots or manual methods without the explicit permission of the owner will be reported to their web host with a DMCA takedown notice. //g.ezoic.net/privacy/finclan.com


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Please take note: Finclan.com no representations or warranties as to the accuracy, adequacy or completeness of any information or material that may be set out below. You agree to take independent steps to verify the accuracy, adequacy or completeness of any such information or material before acting on the same. Finclan.com not be responsible for any loss or damage whatsoever and howsoever caused and in any way arising from or in connection with your reliance on such information and material.

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].

CRAR: 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.

NPA Ratio: 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.