Allahabad Bank(Merged)

Allahabad Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Allahabad Bank(Merged)

₹ 7.60 -1.94%
19 Mar 2020
allahabadbank.com BSE: 532480 NSE: ALBK
About

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)

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Website BSE NSE
  • Market Cap ₹ 3,441 Cr.
  • Current Price ₹ 7.60
  • High / Low ₹ /
  • Stock P/E
  • Book Value ₹ 77.7
  • Dividend Yield 0.00 %
  • ROCE 1.18 %
  • ROE -59.5 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.10 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.06% over past five years.
  • Company has a low return on equity of -31.1% over last 3 years.
  • Contingent liabilities of Rs.1,86,113 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.2,347 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
4,612 4,011 4,241 4,052 4,336 4,125 4,241
3,898 3,456 2,812 6,519 2,180 3,983 4,308
Operating Profit 713 555 1,429 -2,467 2,155 142 -67
OPM % 15% 14% 34% -61% 50% 3% -2%
272 481 656 482 496 601 769
Interest 2,896 2,849 2,830 2,779 2,793 2,836 2,888
Depreciation 0 0 0 0 0 0 0
Profit before tax -1,911 -1,813 -745 -4,765 -142 -2,094 -2,187
Tax % 1% 0% 0% -17% -193% 0% -9%
-1,929 -1,816 -747 -3,965 133 -2,103 -1,981
EPS in Rs -18.29 -17.22 -5.17 -18.91 0.36 -5.65 -5.32
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
6,171 7,365 8,377 11,025 15,528 17,461 18,776 19,749 18,915 17,694 16,398 16,916 16,753
1,206 2,282 2,365 3,414 4,254 4,825 5,965 6,613 8,623 8,326 12,289 15,768 16,991
Operating Profit 4,965 5,083 6,012 7,611 11,273 12,637 12,810 13,136 10,292 9,369 4,109 1,148 -238
OPM % 80% 69% 72% 69% 73% 72% 68% 67% 54% 53% 25% 7% -1%
1,052 1,278 1,567 1,403 1,304 1,588 2,282 2,142 2,092 2,885 3,089 1,891 2,347
Interest 4,499 5,206 5,718 6,993 10,360 12,569 13,435 13,537 12,985 12,373 11,627 11,354 11,297
Depreciation 53 56 65 70 77 76 0 101 118 159 146 141 0
Profit before tax 1,465 1,099 1,796 1,951 2,140 1,580 1,658 1,640 -720 -279 -4,574 -8,457 -9,188
Tax % 32% 28% 32% 26% 14% 23% 28% 60% 0% 0% 0% 0%
994 790 1,228 1,441 1,860 1,212 1,188 649 -720 -279 -4,574 -8,457 -7,916
EPS in Rs 22.25 17.70 27.50 30.25 37.19 24.24 21.82 11.36 -11.73 -3.75 -54.20 -40.33 -29.52
Dividend Payout % 16% 14% 20% 20% 16% 25% 11% 14% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 9%
5 Years: -2%
3 Years: -4%
TTM: 3%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -85%
Stock Price CAGR
10 Years: -24%
5 Years: -17%
3 Years: %
1 Year: %
Return on Equity
10 Years: -6%
5 Years: -19%
3 Years: -31%
Last Year: -59%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity Capital 447 447 447 476 500 500 545 571 614 744 844 2,097
Reserves 4,937 5,590 6,517 8,246 10,202 11,078 11,497 12,335 14,428 14,292 11,312 14,195
73,408 88,815 111,486 138,800 168,683 188,838 202,974 207,704 219,339 216,518 235,008 226,826
4,312 2,977 3,503 4,077 3,908 4,398 5,933 7,068 6,077 6,409 6,554 6,459
Total Liabilities 83,104 97,830 121,953 151,600 183,294 204,815 220,948 227,679 240,457 237,963 253,718 249,577
1,073 1,111 1,130 1,160 1,186 1,221 1,285 1,382 3,225 3,188 3,136 3,552
CWIP 0 0 2 0 22 37 31 32 42 16 12 1
Investments 23,557 29,825 38,638 43,492 54,508 58,676 64,376 55,459 57,657 55,805 68,502 80,238
58,473 66,893 82,184 106,948 127,579 144,881 155,256 170,806 179,534 178,954 182,068 165,787
Total Assets 83,104 97,830 121,953 151,600 183,294 204,815 220,948 227,679 240,457 237,963 253,718 249,577

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
483 -2 1,538 585 1,497 -1,030 28 2,544 3,938 -1,101 -2,553 -15,825
-68 -95 -71 -98 -124 -122 -143 -198 -169 -96 -90 -118
1,685 -308 1,080 1,371 1,691 135 1,343 480 1,019 905 2,013 8,774
Net Cash Flow 2,100 -405 2,546 1,858 3,064 -1,018 1,229 2,826 4,787 -292 -630 -7,169

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days -153 -75 -91 -57 -36 -43 -51 -60 -42 -38 -19 -1
ROCE % 8% 7% 7% 7% 8% 7% 7% 7% 5% 5% 3% 1%

Shareholding Pattern

Numbers in percentages

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
65.92% 68.32% 68.32% 64.78% 71.81% 71.81% 79.41% 85.82% 92.01% 92.01% 92.01% 93.43%
3.70% 3.78% 4.07% 3.21% 2.52% 2.56% 2.07% 1.66% 0.93% 0.91% 0.79% 0.60%
18.19% 17.06% 17.33% 16.66% 13.05% 12.81% 9.35% 6.51% 3.70% 3.66% 3.37% 2.73%
12.20% 10.84% 10.28% 15.35% 12.61% 12.81% 9.17% 6.01% 3.36% 3.41% 3.83% 3.23%
No. of Shareholders 2,16,2042,11,4761,98,3392,27,1682,28,6282,28,0752,24,2142,20,2232,20,9732,24,0022,31,7192,34,964

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Jul 2019
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    PPT
  • May 2019
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  • Feb 2019
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