BSE: 532480 | NSE: ALBK | Bank - Public | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Allahabad Bank - (Amalgamated) is a below average quality company.
The key valuation ratios of Allahabad Bank - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Overvalued zone.
No data found
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 2,650 | 4,022 | 5,163 | 4,866 | 5,311 | 6,178 | 5,898 | 5,287 | 4,732 | 5,511 | 5,401 | |
| YoY Gr. Rt. % | - | 51.8% | 28.4% | -5.7% | 9.1% | 16.3% | -4.5% | -10.4% | -10.5% | 16.5% | - | |
| Total Income | 9,885 | 12,385 | 16,822 | 18,913 | 20,912 | 21,712 | 20,795 | 20,305 | 19,051 | 18,565 | 18,834 | |
| YoY Gr. Rt. % | - | 25.3% | 35.8% | 12.4% | 10.6% | 3.8% | -4.2% | -2.4% | -6.2% | -2.6% | - | |
| Adj EPS (₹ ) | 27 | 29.9 | 37.3 | 23.7 | 21.5 | 10.9 | -12.1 | -4.2 | -55.4 | -39.8 | -17.2 | |
| YoY Gr. Rt. % | - | 10.6% | 24.9% | -36.5% | -9.2% | -49.5% | -211.4% | NA | NA | NA | - | |
| BVPS (₹ ) | 131.7 | 160.5 | 192.9 | 209.9 | 201 | 206.4 | 186 | 157.3 | 91.4 | 29.5 | 24.9 | |
| YoY Gr. Rt. % | - | 21.8% | 20.2% | 8.8% | -4.2% | 2.7% | -9.9% | -15.4% | -41.9% | -67.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.1 | 1 | 1.1 | 0.6 | 0.6 | 0.3 | -0.3 | -0.1 | -1.9 | -3.3 | 0 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0.7 | 0.8 | 1 | 3.2 | 4.2 | 4 | 6.8 | 8.9 | 8 | 5.2 | 5.1 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 8.5% | 0.7% | -2.2% | 16.5% | ||||
| Total Income | 7.3% | -2.4% | -3.7% | -2.6% | ||||
| Adj EPS | -204.4% | -213.1% | NA | NA | ||||
| BVPS | -15.3% | -31.9% | -45.9% | -67.7% | ||||
| Share Price | -18.6% | -8.9% | 25.8% | 99.1% | ||||
| RATIOS \ YEARS | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 84.66 | 88.93 | 92.28 | 92.19 | 89.64 | 90.81 | 90.81 | 86.98 | 85.87 | 90.84 | 88.7 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.2 | 2.7 | 2.9 | 2.4 | 2.5 | 2.8 | 2.5 | 2.3 | 2 | 2.3 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 22.2 | 21 | 21.6 | 11.8 | 10.9 | 5.5 | -6.4 | -2.7 | -48.2 | -119.9 | -69.3 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 34.5 | 33.5 | 30.5 | 30.7 | 31.4 | 33.6 | 35.9 | 45.4 | 46.1 | 49.5 | - | |
No data to display
Return on Equity has declined versus last 3 years average to %
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -17.2 | -18.7 |
| TTM Sales (₹ Cr.) | 16,698 | 16,916 |
| BVPS (₹.) ⓘ | 24.9 | 32 |
| Reserves (₹ Cr.) ⓘ | 6,746 | 9,966 |
| P/BV ⓘ | 0.31 | 0.24 |
| PE ⓘ | 0.00 | 0.00 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 7.10 / 7.80 |
| All Time Low / High (₹) | 7.10 / 270.90 |
| Market Cap (₹ Cr.) | 3,445 |
| Equity (₹ Cr.) | 4,527.5 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 9.3 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 9,885.10 | 12,385.10 | 16,821.96 | 18,912.60 | 20,912.43 | 21,712.13 | 20,795.07 | 20,304.72 | 19,051.05 | 18,564.50 |
| Interest Income | 8,369.20 | 11,014.69 | 15,523.28 | 17,435.69 | 18,746.68 | 19,716.12 | 18,884.95 | 17,660.39 | 16,358.49 | 16,864.29 |
| Other Income ⓘ | 1,515.90 | 1,370.41 | 1,298.68 | 1,476.91 | 2,165.75 | 1,996.01 | 1,910.13 | 2,644.33 | 2,692.56 | 1,700.20 |
| Expenditure | 8,678.78 | 10,962 | 14,955.17 | 17,727.39 | 19,740.41 | 21,091.22 | 21,538.38 | 20,618.24 | 23,725.42 | 26,898.46 |
| Interest Expense | 5,718.72 | 6,992.22 | 10,360.63 | 12,569.28 | 13,435.36 | 13,538.24 | 12,986.45 | 12,373.36 | 11,626.10 | 11,353.48 |
| Operating Expenses | 1,617.83 | 2,338.30 | 2,691.39 | 2,958.10 | 3,456.64 | 3,714.17 | 3,674.72 | 4,064.59 | 3,986.63 | 4,444 |
| Provisions | 1,342.22 | 1,631.47 | 1,903.15 | 2,200.01 | 2,848.41 | 3,838.81 | 4,877.21 | 4,180.29 | 8,112.69 | 11,100.97 |
| Profit Before Tax | 1,771.62 | 1,930.71 | 2,162.57 | 1,552.69 | 1,636.52 | 1,603.04 | -1,119.28 | -604.72 | -6,591.02 | -9,130.89 |
| Taxes | 565.29 | 507.60 | 295.78 | 367.48 | 464.50 | 982.14 | -375.97 | -291.20 | -1,916.65 | -796.93 |
| Profit After Tax | 1,206.33 | 1,423.11 | 1,866.79 | 1,185.21 | 1,172.02 | 620.90 | -743.31 | -313.52 | -4,674.37 | -8,333.96 |
| Adjusted EPS (₹) | 27.01 | 29.88 | 37.33 | 23.70 | 21.52 | 10.87 | -12.11 | -4.22 | -55.38 | -39.75 |
| Dividend Payout Ratio (%) | 20% | 20% | 16% | 25% | 12% | 15% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Share Capital ⓘ | 446.70 | 476.22 | 500.03 | 500.03 | 544.61 | 571.38 | 613.80 | 743.69 | 844.04 | 2,096.84 |
| Total Reserves ⓘ | 6,306.25 | 8,031.17 | 10,006.59 | 10,852.49 | 11,256.12 | 12,071.40 | 13,450.23 | 13,552.71 | 9,424.35 | 7,033.48 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 1,06,055.76 | 1,31,887.16 | 1,59,593.08 | 1,78,741.61 | 1,90,842.80 | 1,93,424.05 | 2,00,644.40 | 2,01,870.22 | 2,13,603.83 | 2,14,334.07 |
| Borrowings ⓘ | 5,435.48 | 6,918.18 | 9,094.48 | 10,097.59 | 12,130.77 | 14,315.92 | 18,707.04 | 14,670.32 | 21,400.52 | 12,488.94 |
| Other Liabilities | 3,455.03 | 3,973.64 | 3,740.40 | 4,181.47 | 5,659.97 | 6,713.72 | 6,409.88 | 6,200.93 | 7,389.54 | 12,622.44 |
| Total Liabilities ⓘ | 1,21,699.21 | 1,51,286.36 | 1,82,934.57 | 2,04,373.18 | 2,20,434.28 | 2,27,096.47 | 2,39,825.36 | 2,37,037.88 | 2,52,662.27 | 2,48,575.77 |
Assets | ||||||||||
| Balance with RBI | 7,183.78 | 7,900.93 | 8,712.44 | 7,808.22 | 8,834.45 | 9,660.22 | 9,471.14 | 8,585.80 | 9,250.88 | 9,672.32 |
| Balance with Banks | 1,984.45 | 3,126.45 | 5,312.76 | 5,262.51 | 5,460.66 | 7,473.45 | 12,885.02 | 13,469.52 | 12,130.92 | 4,561.19 |
| Investments ⓘ | 38,428.62 | 43,247.07 | 54,283.24 | 58,305.86 | 63,960.53 | 54,985.07 | 57,154.90 | 55,136.07 | 67,714.02 | 79,557.91 |
| Advances | 71,604.87 | 93,624.89 | 1,11,145.10 | 1,29,489.65 | 1,38,006.57 | 1,49,876.84 | 1,52,372.06 | 1,50,752.70 | 1,52,060.75 | 1,42,212.16 |
| Net Block ⓘ | 1,118.27 | 1,148.23 | 1,176.11 | 1,214.37 | 1,279 | 1,373.78 | 3,214.83 | 3,177.24 | 3,121.67 | 3,537.97 |
| Other Assets | 1,379.22 | 2,238.80 | 2,283.29 | 2,255.43 | 2,862.38 | 3,695.49 | 4,686.42 | 5,901.95 | 8,373.62 | 9,033.92 |
| Total Assets ⓘ | 1,21,699.21 | 1,51,286.36 | 1,82,934.57 | 2,04,373.18 | 2,20,434.28 | 2,27,096.47 | 2,39,825.36 | 2,37,037.88 | 2,52,662.27 | 2,48,575.77 |
| PARTICULARS | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 1,523.10 | 584.13 | 1,434.97 | -961.04 | 21.51 | 2,553.45 | 3,916.33 | -1,112.78 | -2,566.08 | -15,806.19 |
| Cash Flow From Investing Activity ⓘ | -71.22 | -96.34 | -123 | -126.62 | -139.99 | -194.95 | -164.26 | -92.74 | -83.34 | -116.04 |
| Cash Flow From Financing Activity ⓘ | 1,079.58 | 1,371.36 | 1,685.87 | 133.19 | 1,342.85 | 480.07 | 1,020.41 | 904.68 | 2,013.11 | 8,773.94 |
| Net Cash Flow ⓘ | 2,531.46 | 1,859.15 | 2,997.83 | -954.47 | 1,224.37 | 2,838.57 | 4,772.48 | -300.84 | -636.31 | -7,148.28 |
| PARTICULARS | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 27 | 30 | 37 | 24 | 22 | 11 | -12 | -4 | -55 | -40 |
| DPS (₹) | 6 | 6 | 6 | 6 | 3 | 2 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 132 | 161 | 193 | 210 | 201 | 206 | 186 | 157 | 91 | 30 |
Margin Ratios | ||||||||||
| Yield on Advances (%) | 11.7 | 11.8 | 14.0 | 13.5 | 13.6 | 13.2 | 12.4 | 11.7 | 10.8 | 11.9 |
| Yield on Investments (%) | 7.1 | 6.6 | 7.1 | 8.1 | 7.6 | 9.0 | 7.7 | 9.1 | 7.0 | 5.9 |
| Cost of Liabilities (%) | 5.1 | 5.0 | 6.1 | 6.7 | 6.6 | 6.5 | 5.9 | 5.7 | 5.0 | 5.0 |
| NIM (%) | 2.2 | 2.7 | 2.9 | 2.4 | 2.5 | 2.8 | 2.5 | 2.3 | 2.0 | 2.3 |
| Interest Spread (%) | 6.6 | 6.7 | 7.8 | 6.8 | 7.0 | 6.6 | 6.5 | 6.0 | 5.8 | 6.9 |
Performance Ratios | ||||||||||
| ROA (%) | 1.1 | 1.0 | 1.1 | 0.6 | 0.6 | 0.3 | -0.3 | -0.1 | -1.9 | -3.3 |
| ROE (%) | 22.2 | 21.0 | 21.6 | 11.8 | 10.9 | 5.5 | -6.4 | -2.7 | -48.2 | -119.0 |
| ROCE (%) | 19.6 | 17.6 | 15.9 | 10.1 | 9.8 | 8.7 | -1.4 | 0.0 | -18.6 | -27.4 |
Efficiency Ratios | ||||||||||
| Cost to Income Ratio (%) | 38.8 | 43.4 | 41.7 | 46.6 | 46.2 | 45.4 | 47.1 | 51.3 | 53.7 | 61.6 |
| Operating Costs to Assets (%) | 1.3 | 1.6 | 1.5 | 1.5 | 1.6 | 1.6 | 1.5 | 1.7 | 1.6 | 1.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.1 | 1.4 | 1.0 | 0.6 | 0.5 | 0.5 | 0.3 | 0.5 | 0.5 | 1.9 |
The Oldest Joint Stock Bank of the Country, Allahabad Bank was founded on April 24, 1865 by a group of Europeans at Allahabad. At that juncture Organized Industry, Trade and Banking started taking shape in India.
Allahabad Bank is oldest nationalised Bank with rich experience in extending various banking solutions to its valued clients since 1865. Their consistent track record of growth with profit provides the confidence of meeting all your Banking requirements.
In 1991 the bank commenced its wholly-owned subsidiary AllBank Finance for merchant banking. In June 2006 the bank opened its first representative office at Shenzen, China and same year it rolled out first branch under CBS.
Currently the bank serves customers across 110 cities with a network 6 zonal offices, 2227 branches (including one in Hong Kong) and 221 ATMs.
Allahabad Bank is well spread out in India and recently opened first International Branch at Hong Kong. Bank has also arrangements with correspondents at various important overseas locations, which will ensure extending to its all NRI customers rich banking experience.
Products and services offered by the company:
Products
Deposit Products
Retail Credit Products
Other Credit Products
Services:
Milestones:
Nineteenth Century
Twentieth Century
Twenty-First Century
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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