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Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
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X

State Bank Of Travancore - (Amalgamated)

Small Cap
Evaluated by 655 users |

BSE

: 532191 |

NSE

: SBT |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16
Net Interest Income (Rs. Cr.)9929571,2831,4001,6961,8982,1282,3832,2832,554
Y-o-Y Gr. Rt.--3.5%34%9.2%21.1%11.9%12.1%12%-4.2%11.9%
Total Income3,0543,8734,6964,9065,8107,4779,28810,55910,58310,757
Y-o-Y Gr. Rt.-26.8%21.3%4.5%18.4%28.7%24.2%13.7%0.2%1.6%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
62.0873.47115.66130.2138.4797.13117.0357.9156.6347.5
Y-o-Y Gr. Rt.-18.4%57.4%12.6%6.4%-29.9%20.5%-50.5%-2.2%-16.1%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
304.34326.92428.11540.5659.04735.65830.56870.49886.42846.8
Y-o-Y Gr. Rt.-7.4%31%26.3%21.9%11.6%12.9%4.8%1.8%-4.5%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.930.941.31.261.120.650.660.290.320.31
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)1.080.940.580.910.981.541.462.782.042.77
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 12.5%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income11.1%8.5%6.3%11.9%
Total Income15%13.1%5%1.6%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-2.9%-19.3%-26%-16.1%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
12%5.1%0.7%-4.5%
Share Price -1.9% 6.6% - -
 
RATIOS \ YEARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16
Interest Earned / Total Income88.188.6787.889.249092.2392.9791.9390.4189.33
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.682.222.662.42.462.272.142.312.292.34
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)22.2623.2830.6426.8823.0913.9314.946.816.835.99
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 28.3329.2832.4330.4130.3227.3425.7927.6529.7931.84
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Management X-Ray

What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
1.
Corporate Governance: To analyse corporate governance practices, we look at composition of the board of directors, quality of independence, remuneration paid to the board of directors, etc.
2.
Board credentials: To assess board credentials, relevance of qualification and experience is looked at.
3.
Promoters’ holding: Here, we look at the trend of promoter holding as also the trend of shares pledged by promoters.
4.
Transparency: To assess transparency, we look at the company communication and try to assess truth, fairness and candidness.
5.
Integrity: To assess integrity, we look for involvement of the management in scams, frauds, etc. which would be a warning sign.
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Shareholding Pattern

Percentage Holding
79.09%
3.41%
17.50%
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Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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