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 ₹ 76.4
  • Dividend Yield 0.00 %
  • ROCE 0.91 %
  • ROE -60.0 %
  • 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 -2.09% over past five years.
  • Company has a low return on equity of -31.8% over last 3 years.
  • Contingent liabilities of Rs.1,86,089 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.2,136 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

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
4,295 4,372 4,148 4,190 4,244 3,777 4,600 4,000 4,228 4,037 4,323 4,112 4,226
1,946 2,458 2,228 2,406 3,350 6,031 3,831 3,384 2,654 6,473 2,104 3,895 4,167
Operating Profit 2,349 1,914 1,919 1,784 894 -2,255 768 616 1,575 -2,436 2,219 217 59
OPM % 55% 44% 46% 43% 21% -60% 17% 15% 37% -60% 51% 5% 1%
730 733 821 878 512 483 195 411 529 566 424 511 635
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 2,888
Depreciation 0 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 -2,195
Tax % -330% -130% -117% -126% -15% -25% 1% 0% 1% -18% -186% 0% -9%
75 111 29 70 -1,264 -3,510 -1,944 -1,823 -733 -3,834 128 -2,114 -1,986
EPS in Rs 1.01 1.49 0.39 0.88 -15.79 -41.58 -18.43 -17.28 -5.07 -18.29 0.34 -5.68 -5.34
Raw PDF

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
6,171 7,365 8,369 11,015 15,523 17,436 18,747 19,716 18,885 17,660 16,358 16,864 16,698
1,528 2,283 2,478 3,396 4,225 4,718 5,759 6,471 8,812 8,379 13,873 16,204 16,639
Operating Profit 4,643 5,082 5,891 7,619 11,298 12,718 12,988 13,245 10,073 9,281 2,486 660 59
OPM % 75% 69% 70% 69% 73% 73% 69% 67% 53% 53% 15% 4% 0%
1,031 1,256 1,662 1,370 1,299 1,477 2,166 1,996 1,910 2,644 2,693 1,700 2,136
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 11,296
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 -9,101
Tax % 13% 29% 32% 26% 14% 24% 28% 61% -34% -48% -29% -9%
975 769 1,206 1,423 1,867 1,185 1,172 621 -743 -314 -4,674 -8,334 -7,806
EPS in Rs 21.82 17.21 27.01 29.88 37.34 23.70 21.52 10.87 -12.11 -4.22 -55.38 -39.75 -28.97
Dividend Payout % 16% 15% 20% 20% 16% 25% 12% 15% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 9%
5 Years: -2%
3 Years: -4%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 3%
Stock Price CAGR
10 Years: -24%
5 Years: -21%
3 Years: %
1 Year: %
Return on Equity
10 Years: -6%
5 Years: -20%
3 Years: -32%
Last Year: -60%

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
Equity Capital 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 14,140 13,971 10,924 13,929
73,408 88,821 111,491 138,805 168,688 188,839 202,974 207,740 219,351 216,541 235,004 226,823
4,310 2,975 3,455 3,974 3,740 4,181 5,660 6,714 5,720 5,783 5,890 5,726
Total Liabilities 82,939 97,648 121,699 151,286 182,935 204,373 220,434 227,096 239,825 237,038 252,662 248,576
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
58,468 66,887 82,152 106,891 127,454 144,816 155,164 170,706 179,415 178,710 181,816 165,480
Total Assets 82,939 97,648 121,699 151,286 182,935 204,373 220,434 227,096 239,825 237,038 252,662 248,576

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
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 -154 -75 -89 -55 -33 -40 -47 -55 -37 -29 -9 9
ROCE % 8% 7% 7% 7% 8% 7% 7% 7% 5% 5% 2% 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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  • May 2019
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  • Feb 2019
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