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 ₹ 40.2
  • Dividend Yield 0.00 %
  • ROCE 4.81 %
  • ROE -10.3 %
  • 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 3.98% over past five years.
  • Company has a low return on equity of -20.5% over last 3 years.
  • Contingent liabilities of Rs.1,39,089 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.3,499 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
4,591 4,822 4,867 4,923 5,034 5,030 5,008
2,751 2,792 2,929 3,981 2,295 2,505 2,510
Operating Profit 1,840 2,030 1,938 941 2,740 2,526 2,498
OPM % 40% 42% 40% 19% 54% 50% 50%
725 726 742 890 689 856 911
Interest 3,068 3,027 3,099 3,032 3,312 3,265 3,162
Depreciation 0 0 0 0 0 0 0
Profit before tax -503 -271 -418 -1,200 117 117 247
Tax % 8% 63% 37% 1% 71% 61% 29%
-537 -433 -566 -1,206 39 56 185
EPS in Rs -4.48 -3.61 -3.26 -4.18 0.13 0.19 0.62
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 8,303 11,362 12,972 14,397 16,512 17,798 18,232 18,209 19,203 20,074
1,430 1,622 3,022 3,119 3,541 5,051 5,611 6,443 8,293 14,908 12,322 11,833
Operating Profit 3,945 4,751 5,280 8,243 9,431 9,346 10,900 11,356 9,939 3,301 6,881 8,241
OPM % 73% 75% 64% 73% 73% 65% 66% 64% 55% 18% 36% 41%
783 965 1,151 1,245 1,570 2,036 2,276 2,113 3,088 3,097 3,088 3,499
Interest 3,747 4,177 5,069 7,578 9,151 10,558 11,830 12,314 12,496 11,640 12,224 12,797
Depreciation 82 102 112 99 90 95 124 148 156 199 136 140
Profit before tax 899 1,437 1,251 1,811 1,761 728 1,223 1,007 375 -5,441 -2,391 -1,197
Tax % 27% 27% 0% 27% 27% 41% 48% 46% 50% -38% 16% 13%
656 1,050 1,255 1,334 1,285 440 656 558 207 -3,366 -2,742 -1,324
EPS in Rs 13.53 21.64 22.42 23.85 22.95 7.46 10.88 8.19 3.04 -28.08 -9.51 -4.28
Dividend Payout % 33% 23% 25% 23% 22% 15% 18% 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: -20%
5 Years: -12%
3 Years: %
1 Year: %
Return on Equity
10 Years: -2%
5 Years: -12%
3 Years: -21%
Last Year: -10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 3,175 3,942 5,966 6,941 7,895 8,172 9,491 10,345 10,748 9,738 10,447 9,345
62,730 83,529 99,783 114,078 134,922 155,073 170,371 184,057 204,343 226,405 230,168 226,863
2,117 2,428 3,025 3,685 4,183 5,565 7,208 7,604 10,649 8,770 10,545 9,289
Total Liabilities 68,507 90,383 109,332 125,264 147,559 169,400 187,673 202,687 226,421 246,111 254,044 248,592
323 338 311 314 318 407 1,234 1,317 1,496 1,476 1,565 1,496
CWIP 13 18 22 3 4 43 43 63 47 10 7 5
Investments 16,938 20,911 24,434 30,077 38,376 46,771 47,874 56,059 62,389 67,940 66,915 65,286
51,234 69,116 84,565 94,871 108,861 122,179 138,522 145,248 162,489 176,686 185,557 181,805
Total Assets 68,507 90,383 109,332 125,264 147,559 169,400 187,673 202,687 226,421 246,111 254,044 248,592

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

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 -982 -883 1,883 -3,035 7,801 9,572 -11,922 14,664 -7,534
-197 -122 -68 -81 -95 -222 -238 -272 -161 -132 -76 -65
318 482 611 -637 -637 1,153 1,327 -6,136 -600 10,332 -15,498 3,653
Net Cash Flow -407 5,880 -709 -1,700 -1,615 2,815 -1,946 1,394 8,810 -1,722 -910 -3,946

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 -29 -40 -17 -26 -21 -15 -49 -41 -70 -3 -32 -13
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
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