Travancore Bank [Merged] Key Ratios
NSE: SBT | BSE: 532191
₹608.75
As on 15-Mar-2017IST
Market cap
₹4,318 Cr
Revenue (TTM)
₹9,481 Cr
P/E Ratio
--
P/B Ratio
0.8
Div. Yield
0.8 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Interest Income | -0.41 | -1.99 | -0.76 | -0.17 | 8.33 |
| Interest Expended | 0.42 | -1.60 | -0.11 | -0.71 | 8.85 |
| Net Interest Income | -2.75 | -3.11 | -2.58 | 1.43 | 6.91 |
| EPS | 88.47 | -174.08 | -364.10 | -232.79 | -210.64 |
| Book Value | -- | -- | -4.47 | 0.65 | 5.14 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Mar-16 | Mar-15 |
| Net NPAs
| 2.53 | 2.12 | 8.03 | 2.77 | 2.04 |
| Net Interest Margin
| 2.31 | 2.27 | -- | 2.34 | 2.29 |
| Net Margin
| 3.06 | 4.53 | -12.07 | 3.14 | 3.17 |
| Return on equity
| 6.54 | 9.70 | -23.73 | 5.99 | 6.83 |
| Return on Assets
| 0.31 | 0.45 | -1.18 | 0.31 | 0.32 |
Profitability
Yield on Advances
--
--
Interest Earned as per cent of total advances
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
14.68
|
13.92
|
13.99
|
12.80
|
|
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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
7.49
|
9.97
|
8.64
|
7.15
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Interest Spread
--
--
[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
7.90
|
6.24
|
6.37
|
5.83
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
NIM
--
--
(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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
2.34
|
2.29
|
2.31
|
2.14
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
-23.73
Lower than Peers by 37.01
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
-23.73
|
5.99
|
6.83
|
6.81
|
14.94
|
|
Peer Median
|
13.28
|
--
|
--
|
--
|
--
|
ROA
-1.18
Lower than Peers by 2.32
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
-1.18
|
0.31
|
0.32
|
0.29
|
0.66
|
|
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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
51.42
|
58.39
|
57.66
|
51.42
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
-0.76
Lower than Peers by 14.25
Year on year growth in net sales
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
-0.76
|
0.42
|
-1.42
|
12.41
|
25.21
|
|
Peer Median
|
13.50
|
--
|
--
|
--
|
--
|
EBIT Growth
-47.64
--
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
-47.64
|
31.06
|
0.18
|
1.38
|
8.18
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Profit Growth
-2.58
Lower than Peers by 23.02
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
-2.58
|
0.66
|
10.25
|
-50.52
|
20.49
|
|
Peer Median
|
20.44
|
--
|
--
|
--
|
--
|
EPS Growth
-364.10
Lower than Peers by 377.99
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
-364.10
|
-16.12
|
-2.22
|
-50.52
|
20.49
|
|
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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
14.64
|
14.81
|
4.81
|
12.90
|
|
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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
--
|
8.12
|
7.70
|
6.59
|
4.01
|
|
Peer Median
|
9.42
|
--
|
--
|
--
|
--
|
Price / Book Value
0.83
Lower than Peers by 0.57
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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
0.83
|
0.46
|
0.49
|
0.46
|
0.59
|
|
Peer Median
|
1.40
|
--
|
--
|
--
|
--
|
Dividend Yield
0.82
Higher than Peers by 0.10
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
0.82
|
1.30
|
1.15
|
0.59
|
3.85
|
|
Peer Median
|
0.72
|
--
|
--
|
--
|
--
|
EV/EBITDA
1.02
--
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
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
1.02
|
3.16
|
4.65
|
6.52
|
8.39
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
4,318
Lower than Peers by 73,207
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Mar-16
|
Mar-15
|
Mar-14
|
Mar-13
|
|---|---|---|---|---|---|
|
Travancore Bank [Merged]
|
4,318
|
2,741
|
2,585
|
2,107
|
2,594
|
|
Peer Median
|
77,524
|
--
|
--
|
--
|
--
|