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State Bank Of Travancore - (Amalgamated) (SBT)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532191 NSE: SBT Bank - Public | Small Cap | St.Bk of Travancore Share Price

BSE Share Price
Not Listed

State Bank Of Travancore - (Amalgamated) (SBT)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532191 NSE: SBT Bank - Public | Small Cap | St.Bk of Travancore Share Price

BSE Share Price
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹4,318 Cr.
Current Price
₹0
52-Week Low / High
₹600 / 611
TTM EPS
₹-187.9
TTM Sales
₹9,481 Cr.
Book Value per Share
₹727.6
P/E Ratio
0.00
Industry PE
9
Price to Book (P/B)
0.83
EV/EBITDA
1.02
Dividend Yield
1.30%
Profitability Efficiency
Return on Equity (ROE)
5.99%
Return on Capital Employed (ROCE)
9.14%
Net Interest Margin (NIM)
2.34%
Return on Assets (ROA)
0.31%
Growth Momentum
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Improving versus 3-year growth rate
11.03%
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
11.86%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-4.47%
Asset Quality
CASA
31.8%
Gross NPA(%)
4.78%
Net NPA(%)
2.77%
Cost to Income Ratio
51.42%
Cost of Liabilities
6.78%
Reserves
₹5,102 Cr.
Equity
₹71.1 Cr.
Face Value
₹10
All Time Low / High
₹16.74 / 1027.50

State Bank Of Travancore - (Amalgamated) stock performance

Key Ratios
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10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16TTM
Net Interest Income (₹ Cr.)9929571,2831,4001,6961,8982,1282,3832,2832,5542,439
YoY Gr. Rt. %--3.5%34%9.2%21.1%11.9%12.1%12%-4.2%11.9%-
Total Income3,0543,8734,6964,9065,8107,4779,28810,55910,58310,75711,067
YoY Gr. Rt. %-26.8%21.3%4.5%18.4%28.7%24.2%13.7%0.2%1.6%-
Adj EPS (₹ ) 62.173.5115.7130.2138.597.111757.956.647.5-187.9
YoY Gr. Rt. %-18.4%57.4%12.6%6.4%-29.9%20.5%-50.5%-2.2%-16.1%-
BVPS (₹ )304.3326.9428.1540.5659735.7830.6870.5886.4846.8727.6
YoY 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 (%)0.90.91.31.31.10.70.70.30.30.30
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)1.10.90.60.911.51.52.822.88
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)----------12.5

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income11.1%8.5%6.3%11.9%
Total Income15%13.1%5%1.6%
Adj EPS-2.9%-19.3%-26%-16.1%
BVPS12%5.1%0.7%-4.5%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16TTM
Interest Earned / Total Income88.188.6787.889.249092.2392.9791.9390.4189.3385.7
Margins To view Margins Colour Rating Guide click here
NIM (%)2.72.22.72.42.52.32.12.32.32.30
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)22.323.330.626.923.113.914.96.86.86-25.8
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)28.329.332.430.430.327.325.827.729.831.8-

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16
Income +3,054.163,872.864,696.254,906.085,810.017,477.059,287.8610,558.5010,583.3910,757.07
Interest Income 2,690.633,434.114,123.154,378.125,228.766,896.148,634.849,706.559,568.609,608.88
Other Income 363.54438.75573.10527.96581.24580.91653.02851.951,014.791,148.19
Expenditure +2,343.683,163.773,639.973,933.814,634.046,228.257,936.859,188.819,211.238,958.73
Interest Expense 1,698.442,476.822,840.602,977.943,532.734,998.396,506.647,323.407,285.477,054.96
Operating Expenses 645.24686.94799.37955.871,101.311,229.861,430.221,865.411,925.771,903.78
Provisions140.64137.33218.20104.76287.32485.41443.29735.93843.091,258.76
Profit Before Tax468.13527.74802.52887.98882.03747.75895.71537.02560.33497.08
Taxes 141.85141.63194.68203.71154.30237.29280.67232.68224.80159.35
Profit After Tax 326.28386.11607.84684.27727.73510.46615.04304.34335.53337.73
Adjusted EPS (₹)62.0873.47115.66130.20138.4797.13117.0357.9156.6347.50
Dividend Payout Ratio (%)15.30%13%10.70%11.70%12.40%17.60%16.30%4.10%8.80%10.50%

Valuation of St.Bk of Travancore - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16

Equity and Liabilities

Share Capital 505050505050505059.2571.10
Total Reserves 1,549.441,668.112,199.902,790.583,413.553,816.164,314.984,524.825,193.105,950.02
Deposits30,984.0135,353.8942,041.0850,883.3958,157.9271,469.8384,623.7289,336.6891,076.931,01,118.80
Borrowings 1,903.082,849.292,547.763,250.155,726.507,607.328,747.166,818.373,796.272,949.44
Minority Interest0000000000
Other Liabilities 3,506.614,183.272,512.272,480.603,628.783,043.383,843.474,555.545,469.874,417.42
Total Liabilities 37,993.1344,104.5649,351.0159,454.7170,976.7685,986.691,01,579.331,05,285.421,05,595.441,14,506.78

Assets

Balance with RBI 2,463.603,274.852,328.733,468.044,709.574,776.654,5444,458.575,339.935,323.79
Balance with Banks187.16412.65125.93665.12142.971,040.02223.701,200.60667.932,495.89
Investments 9,718.0911,352.9613,231.7115,844.3917,926.9922,437.5827,225.5027,941.3724,819.4636,061.83
Advances 24,629.8928,136.6232,601.4238,461.2646,044.2355,345.9567,483.6269,404.6168,720.6165,466.27
Net Block 160.36166.21171.58202.82221.37243.27286.29339.01431.95444.85
Other Assets834.03761.28891.63813.071,931.622,143.211,816.221,941.265,615.564,714.15
Total Assets 37,993.1344,104.5649,351.0159,454.7170,976.7685,986.691,01,579.331,05,285.421,05,595.441,14,506.78

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16
Cash Flow From Operating Activity 1,126.95629.97-955.222,110.811,033.46786.23-640.88843.90466.801,973.80
Cash Flow From Investing Activity -37.64-54.10-46.71-74.06-65.50-72.10-101.77-132.69-177.10-107.71
Cash Flow From Financing Activity 177.87460.86-230.90-358.24-248.58249.99-306.30180.2658.99-54.27
Net Cash Flow 1,267.191,036.73-1,232.831,678.51719.38964.12-1,048.96891.46348.691,811.83

Financial Ratio

PARTICULARSMar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16

Operational & Financial Ratios

EPS (₹)652.60772.20121.60136.90145.60102.1012360.9056.6047.50
DPS (₹)10010013161818202.5055
BVPS (₹)3198.93436.2450568.1692.7773.2873915886.4846.8

Margin Ratios

Yield on Advances (%)10.912.212.711.411.412.512.814.013.914.7
Yield on Investments (%)7.97.17.66.57.06.77.28.610.07.5
Cost of Liabilities (%)5.26.56.45.55.56.37.07.67.76.8
NIM (%)2.72.22.72.42.52.32.12.32.32.3
Interest Spread (%)5.85.76.35.95.86.15.86.46.27.9

Performance Ratios

ROA (%)0.90.91.31.31.10.70.70.30.30.3
ROE (%)22.323.330.626.923.113.914.96.86.86.0
ROCE (%)22.720.924.520.616.913.312.59.410.19.1

Efficiency Ratios

Cost to Income Ratio (%)47.649.243.149.648.449.651.457.758.451.4
Operating Costs to Assets (%)1.71.61.61.61.61.41.41.81.81.7

Valuation Parameters

Price/Book(x)0.91.40.51.11.10.80.60.50.50.5

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

State Bank Of Travancore - (Amalgamated) FAQs

The current trading price of St.Bk of Travancore on 01-Jan-1970 05:30 is ₹0.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of St.Bk of Travancore stood at ₹4,317.8 Cr

The latest P/E ratio of St.Bk of Travancore as of 31-Dec-1969 is 0.00.

The latest P/B ratio of St.Bk of Travancore as of 31-Dec-1969 is 0.83.

The 52-week high of St.Bk of Travancore is ₹611.0 and the 52-week low is ₹599.8.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of St.Bk of Travancore is ₹9,481 ( Cr.) .

Data is not available for this company.

No data found

No data found

About State Bank Of Travancore - (Amalgamated)

State Bank of Travancore (SBT) was incorporated in 1945 as Travancore Bank sponsored by the erstwhile princely state of Travancore.

Later the bank was made an associate of State Bank of India, which is the largest banking group in India. Currently the bank has network of 712 branches and 389 ATMs spread across in 16 states in India.

State Bank of Travancore operates 580 branches in Kerala itself. Headquartered in Kerala, the bank has largest number of ATMs in the home state.

The bank also operates 8 AM to 8 PM working branches in specific areas like Kesavadasapuram PSB (Trivandrum), Thrissur PSB, Kaloor (Ernakulam) and Alwarpet (Chennai)

 

Business

Personal Banking-Under this it offers a wide range of personal banking products and services such as deposits, savings, loans, internet banking, demat services, mobile banking, etc.

It also provides facilities like online bill payment and booking of railway tickets.

NRI banking- SBT also offers banking products and services to NRI customers such as deposits, car loans, remittances, investment schemes, etc.

Corporate banking- It provides a wide range of products and services to corporates. SBT offers working capital finance, project finance, structured finance, equipment leasing, dealer financing, etc.

SME- SBT also offers products and services to SME sector.

 

Outlook

The bank has launched special loans for micro, small and medium enterprises (MSMEs) at an interest rate of 8% per annum. This sector-specific loan is provided to enterprises that are affected by current slowdown in economy.

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