Market cap
₹5,399 Cr
Revenue (TTM)
₹9,380 Cr
P/E Ratio
--
P/B Ratio
0.7
Div. Yield
1.9 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Interest Income | -2.76 | -6.06 | -1.17 | 5.88 | 9.84 |
| Interest Expended | 1.75 | 2.47 | -0.46 | 5.92 | 10.72 |
| Net Interest Income | -11.77 | -21.16 | -2.55 | 5.80 | 8.20 |
| EPS | 127.53 | -71.94 | -119.26 | -164.52 | -177.00 |
| Book Value | -- | -- | 12.14 | 12.28 | 11.06 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Mar-16 | Mar-15 |
| Net NPAs
| 2.68 | 2.45 | 8.26 | 2.75 | 2.54 |
| Net Interest Margin
| 3.07 | 3.08 | 3.04 | 3.07 | 2.95 |
| Net Margin
| 7.97 | 8.45 | -1.68 | 7.99 | 7.82 |
| Return on equity
| 13.82 | 15.28 | -2.57 | 13.34 | 13.67 |
| Return on Assets
| 0.81 | 0.86 | -0.17 | 0.80 | 0.80 |
Profitability
Yield on Advances
--
--
Interest Earned as per cent of total advances
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
--
|
13.15
|
12.95
|
12.73
|
13.03
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Yield on Investments
--
--
(Interest on investments + net profit on investments) / total investments
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
--
|
8.82
|
8.90
|
9.52
|
7.61
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Interest Spread
--
--
[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
--
|
6.79
|
6.34
|
6.10
|
6.71
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
NIM
3.04
--
(Interest earned - Interest expended) / (Cash and balance with RBI + Bank call money + Investments + Advances) * 100
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
3.04
|
3.07
|
2.95
|
3.18
|
3.05
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
-2.57
Lower than Peers by 15.86
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
-2.57
|
13.34
|
13.67
|
14.46
|
16.36
|
|
Peer Median
|
13.28
|
--
|
--
|
--
|
--
|
ROA
-0.17
Lower than Peers by 1.31
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
-0.17
|
0.80
|
0.80
|
0.83
|
0.92
|
|
Peer Median
|
1.14
|
--
|
--
|
--
|
--
|
Cost to Income Ratio
--
--
Operating expenses / (Interest earned - Interest Expended + Other Income) * 100
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
--
|
47.15
|
45.60
|
54.20
|
47.97
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
-1.17
Lower than Peers by 14.66
Year on year growth in net sales
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
-1.17
|
6.52
|
10.25
|
8.94
|
19.18
|
|
Peer Median
|
13.50
|
--
|
--
|
--
|
--
|
EBIT Growth
-23.17
--
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
-23.17
|
9.55
|
24.16
|
-1.06
|
14.99
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Profit Growth
-2.55
Lower than Peers by 22.99
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
-2.55
|
9.49
|
6.17
|
0.20
|
11.99
|
|
Peer Median
|
20.44
|
--
|
--
|
--
|
--
|
EPS Growth
-119.26
Lower than Peers by 133.16
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
-119.26
|
9.49
|
6.17
|
0.20
|
11.99
|
|
Peer Median
|
13.90
|
--
|
--
|
--
|
--
|
Book Value Growth
--
--
Year on year growth in book value per share
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
--
|
12.14
|
12.26
|
12.42
|
14.39
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
--
--
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
--
|
4.13
|
5.34
|
3.15
|
3.96
|
|
Peer Median
|
9.74
|
--
|
--
|
--
|
--
|
Price / Book Value
0.73
Lower than Peers by 0.71
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
0.73
|
0.52
|
0.69
|
0.43
|
0.61
|
|
Peer Median
|
1.45
|
--
|
--
|
--
|
--
|
Dividend Yield
1.85
Higher than Peers by 1.12
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
1.85
|
2.85
|
2.41
|
4.34
|
3.90
|
|
Peer Median
|
0.73
|
--
|
--
|
--
|
--
|
EV/EBITDA
0.25
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
0.25
|
3.65
|
5.57
|
5.32
|
5.10
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
5,399
Lower than Peers by 66,895
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
SBBJ
|
5,399
|
3,515
|
4,147
|
2,308
|
2,891
|
|
Peer Median
|
72,294
|
--
|
--
|
--
|
--
|