Andhra Bank(Merged)

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

Andhra Bank(Merged)

₹ 9.10 -3.19%
19 Mar 2020
andhrabank.in BSE: 532418 NSE : ANDHRABANK
About

Andhra Bank operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers various products and services, which include deposits and accounts, loans, credit cards, debit cards, travel cards, online payment services, mutual funds and insurance.

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Website BSE NSE
  • Market Cap ₹ 2,817 Cr.
  • Current Price ₹ 9.10
  • High / Low ₹ /
  • Stock P/E
  • Book Value ₹ 39.5
  • Dividend Yield 0.00 %
  • ROCE 4.82 %
  • ROE -10.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.23 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 3.86% over past five years.
  • Company has a low return on equity of -21.0% over last 3 years.
  • Contingent liabilities of Rs.1,52,499 Cr.
  • Company might be capitalizing the interest cost

* 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

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 Dec 2019
4,409 4,774 4,402 4,417 4,549 4,606 4,528 4,755 4,797 4,853 4,962 4,958 4,937
1,741 2,201 2,126 2,462 3,309 6,270 2,525 2,487 2,648 3,506 1,991 2,197 2,198
Operating Profit 2,668 2,574 2,276 1,955 1,240 -1,664 2,003 2,268 2,149 1,347 2,971 2,761 2,739
OPM % 61% 54% 52% 44% 27% -36% 44% 48% 45% 28% 60% 56% 55%
604 651 753 588 544 487 565 494 526 461 475 644 658
Interest 3,191 3,089 2,961 2,916 2,877 2,885 3,067 3,027 3,098 3,031 3,312 3,265 3,162
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 82 135 68 -373 -1,093 -4,063 -500 -264 -424 -1,224 135 141 235
Tax % 31% 74% 41% -3% 51% 38% -8% -64% -37% -1% 62% 50% 31%
57 35 40 -385 -532 -2,536 -540 -434 -579 -1,234 52 70 163
EPS in Rs 0.83 0.52 0.59 -4.41 -6.10 -21.15 -4.50 -3.62 -3.33 -4.28 0.17 0.24 0.55
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
5,375 6,373 8,291 11,339 12,910 14,297 16,369 17,635 18,027 17,975 18,932 19,784
1,430 1,622 2,244 2,701 2,950 4,247 4,700 5,738 7,329 13,972 11,033 10,771
Operating Profit 3,945 4,751 6,048 8,638 9,960 10,051 11,669 11,897 10,699 4,002 7,899 9,013
OPM % 73% 75% 73% 76% 77% 70% 71% 67% 59% 22% 42% 46%
783 965 897 860 1,047 1,333 1,500 1,564 2,308 2,372 2,045 2,743
Interest 3,748 4,178 5,070 7,579 9,153 10,560 11,831 12,314 12,496 11,640 12,224 12,795
Depreciation 82 102 107 94 84 90 120 144 152 195 131 134
Profit before tax 898 1,436 1,767 1,824 1,771 734 1,218 1,004 359 -5,461 -2,411 -1,174
Tax % 27% 27% 28% 26% 27% 41% 48% 46% 51% 38% -16% -13%
653 1,046 1,267 1,345 1,289 436 638 540 174 -3,413 -2,786 -1,324
EPS in Rs 13.46 21.56 22.64 24.03 23.04 7.39 10.59 7.92 2.56 -28.47 -9.66 -4.28
Dividend Payout % 33% 23% 24% 23% 22% 15% 19% 6% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 12%
5 Years: 4%
3 Years: 3%
TTM: 5%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 52%
Stock Price CAGR
10 Years: -18%
5 Years: -18%
3 Years: %
1 Year: %
Return on Equity
10 Years: -2%
5 Years: -12%
3 Years: -21%
Last Year: -10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity Capital 485 485 560 560 560 590 603 681 681 1,199 2,884 3,096
Reserves 3,162 3,925 5,933 6,920 7,882 8,148 9,461 10,313 10,686 9,619 10,281 9,132
62,741 83,541 99,796 114,092 134,915 155,030 170,319 184,018 204,296 226,340 230,099 226,739
2,081 2,392 2,612 2,974 2,943 3,573 4,787 4,949 7,436 5,014 6,047 4,904
Total Liabilities 68,469 90,342 108,901 124,545 146,299 167,341 185,170 199,962 223,099 242,171 249,311 243,871
323 338 296 300 299 391 1,222 1,306 1,485 1,465 1,551 1,478
CWIP 13 18 22 3 4 43 42 63 46 8 7 4
Investments 16,911 20,881 24,204 29,629 37,632 45,357 45,808 53,864 59,697 64,770 62,953 61,331
51,223 69,106 84,379 94,614 108,363 121,550 138,099 144,729 161,871 175,928 184,800 181,057
Total Assets 68,469 90,342 108,901 124,545 146,299 167,341 185,170 199,962 223,099 242,171 249,311 243,871

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-528 5,520 -1,251 -1,099 -1,519 2,103 -2,863 7,235 9,522 -11,956 14,658 -7,471
-197 -122 -68 -78 -84 -220 -236 -316 -155 -136 -77 -58
318 482 611 -637 -637 1,152 1,323 -6,131 -605 10,301 -15,491 3,607
Net Cash Flow -407 5,880 -709 -1,813 -2,240 3,035 -1,777 789 8,763 -1,791 -910 -3,922

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
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 -27 -39 -2 -4 20 33 2 12 -9 68 50 63
ROCE % 8% 7% 7% 8% 8% 7% 8% 7% 6% 3% 4% 5%

Shareholding Pattern

Numbers in percentages

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
61.26% 69.77% 69.77% 77.99% 77.99% 77.99% 84.83% 90.85% 87.81% 87.81% 87.81% 88.25%
6.31% 4.86% 4.97% 2.69% 2.27% 2.33% 1.75% 1.00% 0.91% 0.83% 0.71% 0.62%
15.66% 12.31% 12.70% 9.54% 9.25% 8.42% 5.82% 3.51% 3.31% 3.32% 3.36% 3.21%
16.77% 13.06% 12.56% 9.78% 10.49% 11.26% 7.61% 4.64% 7.97% 8.04% 8.13% 7.92%
No. of Shareholders 2,27,1592,23,1332,12,8752,20,3662,23,5872,24,8512,25,8532,24,8062,39,2072,39,4602,39,7572,38,812

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Nov 2019
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  • Aug 2019
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  • May 2019
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  • Feb 2019
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  • Nov 2018
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  • Aug 2018
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  • Nov 2017
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  • Nov 2017
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  • May 2017
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  • May 2017
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  • Feb 2017
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  • Aug 2016
    Transcript
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    PPT