Allahabad Bank

Allahabad Bank is a banking company. The Company's principal products/services are debenture/ security trusteeship fees and custodian fees. It operates through four business segments: Treasury Operations, Corporate/ wholesale Banking, Retail Banking and Other Banking business. It offers personal banking; social banking; micro, small and medium enterprises banking; retail credit products; corporate banking, and international banking.(Source : Company Web-Site)

  • Market Cap: 6,848 Cr.
  • Current Price: 18.40
  • 52 weeks High / Low 59.00 / 16.70
  • Book Value: 24.53
  • Stock P/E:
  • Dividend Yield: 0.00 %
  • ROCE: 0.92 %
  • ROE: -85.92 %
  • Sales Growth (3Yrs): -3.70 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 10.00
Pros:
Stock is trading at 0.75 times its book value
Cons:
Company has low interest coverage ratio.
The company has delivered a poor growth of -2.09% over past five years.
Company has a low return on equity of -36.84% for last 3 years.
Contingent liabilities of Rs.186088.62 Cr.
Company might be capitalizing the interest cost
Earnings include an other income of Rs.2030.02 Cr.

Peer Comparison Sector: Banks // Industry: Banks - Public Sector

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Quarterly Results Standalone Figures in Rs. Crores / View Consolidated

Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
Revenue 4,295 4,372 4,148 4,190 4,244 3,777 4,600 4,000 4,228 4,037 4,323 4,112
Interest 3,112 3,011 2,905 2,936 2,897 2,888 2,896 2,849 2,830 2,779 2,793 2,836
1,946 2,458 2,228 2,406 3,350 6,031 3,831 3,384 2,654 6,473 2,104 3,895
Financing Profit -763 -1,097 -986 -1,152 -2,003 -5,143 -2,128 -2,233 -1,255 -5,215 -574 -2,619
Financing Margin % -18% -25% -24% -27% -47% -136% -46% -56% -30% -129% -13% -64%
Other Income 730 733 821 878 512 483 195 411 529 566 424 511
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -33 -364 -165 -274 -1,491 -4,661 -1,933 -1,822 -726 -4,649 -149 -2,108
Tax % 330% 130% 117% 126% 15% 25% -1% -0% -1% 18% 186% -0%
Net Profit 75 111 29 70 -1,264 -3,510 -1,944 -1,823 -733 -3,834 128 -2,114
EPS in Rs 1.02 1.49 0.39 0.90 -15.79 -43.10 -21.12 -17.28 -5.29 -21.93 0.39 -5.68
Gross NPA % 12.51% 13.09% 13.85% 14.10% 14.38% 15.96% 15.97% 17.53% 17.81% 17.55% 17.43% 19.05%
Net NPA % 8.65% 8.92% 8.96% 8.84% 8.97% 8.04% 7.32% 7.96% 7.70% 5.22% 5.71% 5.98%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
Revenue 6,171 7,365 8,369 11,015 15,523 17,436 18,747 19,716 18,885 17,660 16,358 16,864 16,700
Interest 4,499 5,206 5,719 6,992 10,361 12,569 13,435 13,538 12,986 12,373 11,626 11,353 11,238
1,528 2,283 2,478 3,396 4,225 4,718 5,759 6,471 8,812 8,379 13,873 16,204 15,125
Financing Profit 144 -124 172 627 937 149 -447 -294 -2,913 -3,092 -9,140 -10,693 -9,663
Financing Margin % 2% -2% 2% 6% 6% 1% -2% -1% -15% -18% -56% -63% -58%
Other Income 1,031 1,256 1,662 1,370 1,299 1,477 2,166 1,996 1,910 2,644 2,693 1,700 2,030
Depreciation 53 56 63 66 74 73 82 99 116 157 143 138 0
Profit before tax 1,122 1,076 1,772 1,931 2,163 1,553 1,637 1,603 -1,119 -605 -6,591 -9,131 -7,633
Tax % 13% 29% 32% 26% 14% 24% 28% 61% 34% 48% 29% 9%
Net Profit 975 769 1,206 1,423 1,867 1,185 1,172 621 -743 -314 -4,674 -8,334 -6,553
EPS in Rs 21.23 16.78 26.07 28.91 36.36 22.68 21.10 10.87 0.00 0.00 0.00 0.00 -32.51
Dividend Payout % 16% 15% 20% 20% 16% 25% 12% 15% -0% -0% -0% -0%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:8.64%
5 Years:-2.09%
3 Years:-3.70%
TTM:0.48%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:23.27%
Stock Price CAGR
10 Years:-18.44%
5 Years:-30.81%
3 Years:-35.14%
1 Year:-58.09%
Return on Equity
10 Years:-6.12%
5 Years:-21.78%
3 Years:-36.84%
Last Year:-85.92%

Balance Sheet Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
447 447 447 476 500 500 545 571 614 744 844 2,097
Reserves 4,774 5,405 6,306 8,031 10,007 10,852 11,256 12,071 13,450 13,553 9,424 7,033
Borrowings 73,408 88,821 111,491 138,805 168,688 188,839 202,974 207,740 219,351 216,541 235,004 226,823
4,314 2,985 3,460 3,978 3,763 4,237 5,741 7,206 7,097 6,906 8,095 13,242
Total Liabilities 82,944 97,658 121,704 151,291 182,958 204,429 220,515 227,589 240,513 237,743 253,367 249,196
1,071 1,110 1,118 1,148 1,176 1,214 1,279 1,374 3,215 3,177 3,122 3,538
CWIP 0 0 0 0 22 37 31 32 41 15 10 0
Investments 23,400 29,651 38,429 43,247 54,283 58,306 63,961 54,985 57,155 55,136 67,714 79,558
58,472 66,897 82,157 106,896 127,477 144,872 155,245 171,198 180,102 179,415 182,521 166,100
Total Assets 82,944 97,658 121,704 151,291 182,958 204,429 220,515 227,589 240,513 237,743 253,367 249,196

Cash Flows Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
703 -2 1,523 584 1,435 -961 22 2,553 3,916 -1,113 -2,566 -15,806
-68 -95 -71 -96 -123 -127 -140 -195 -164 -93 -83 -116
1,465 -308 1,080 1,371 1,686 133 1,343 480 1,020 905 2,013 8,774
Net Cash Flow 2,100 -405 2,531 1,859 2,998 -954 1,224 2,839 4,772 -301 -636 -7,148

Ratios Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 20% 14% 19% 19% 20% 11% 10% 5% -6% -2% -38% -86%