State Bank of Travancore(Merged)
Tapetide Score
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No Tapetide Score has been computed for this stock yet.
Key Insights
Strengths
1- Stock is trading at 0.83 times its book value
Weaknesses
6- Company has low interest coverage ratio.
- Company has a low return on equity of 6.17% over last 3 years.
- Contingent liabilities of Rs.45,475 Cr.
- Earnings include an other income of Rs.1,586 Cr.
- Dividend payout has been low at 7.82% of profits over last 3 years
- Working capital days have increased from 37.1 days to 106 days
Technical Indicators
Oscillators
Bullish
Overall
Bullish
Moving Averages
Bullish
Growth Rate
change over 1 year
change over 1 year
Quarterly Results
| Particulars | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,436 | 2,484 | 2,424 | 2,436 | 2,377 | 2,332 | 2,391 | 2,416 | 2,414 | 2,387 | 2,352 | 2,376 | 2,366 |
| Expenses | 665 | 749 | 669 | 722 | 720 | 626 | 754 | 729 | 773 | 948 | 1,642 | 1,313 | 1,023 |
| Operating Profit | 1,771 | 1,735 | 1,754 | 1,715 | 1,657 | 1,705 | 1,637 | 1,687 | 1,640 | 1,439 | 710 | 1,063 | 1,343 |
| OPM % | 73% | 70% | 72% | 70% | 70% | 73% | 68% | 70% | 68% | 60% | 30% | 45% | 57% |
| Other Income | 166 | 289 | 221 | 173 | 250 | 372 | 261 | 226 | 246 | 415 | 351 | 400 | 421 |
| Interest | 1,851 | 1,869 | 1,898 | 1,854 | 1,783 | 1,750 | 1,735 | 1,772 | 1,793 | 1,756 | 1,765 | 1,757 | 1,764 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 86 | 155 | 77 | 33 | 124 | 327 | 163 | 142 | 94 | 98 | -704 | -294 | -1 |
| Tax % | 83% | 69% | 35% | 42% | 40% | 41% | 50% | 28% | 3% | 36% | 6% | 100% | 7689% |
| Net Profit | 15 | 49 | 50 | 19 | 74 | 192 | 81 | 103 | 91 | 62 | -743 | -588 | -68 |
| EPS (₹) | — | — | 8.44 | 3.24 | 12.54 | 27 | 11.44 | 14.46 | 12.86 | 8.74 | -104 | -82.66 | -9.53 |
Profit & Loss
| Particulars | Mar 2006 | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,299 | 2,691 | 3,434 | 4,123 | 4,378 | 5,229 | 6,896 | 8,635 | 9,707 | 9,569 | 9,609 | 9,481 |
| Expenses | 915 | 846 | 828 | 1,021 | 998 | 1,348 | 1,681 | 1,828 | 2,618 | 2,654 | 3,110 | 4,927 |
| Operating Profit | 1,384 | 1,844 | 2,606 | 3,102 | 3,380 | 3,880 | 5,215 | 6,807 | 7,088 | 6,915 | 6,499 | 4,554 |
| OPM % | 60% | 69% | 76% | 75% | 77% | 74% | 76% | 79% | 73% | 72% | 68% | 48% |
| Other Income | 351 | 364 | 447 | 582 | 528 | 581 | 581 | 653 | 852 | 1,015 | 1,148 | 1,586 |
| Interest | 1,343 | 1,698 | 2,477 | 2,841 | 2,978 | 3,533 | 4,998 | 6,507 | 7,323 | 7,285 | 7,055 | 7,042 |
| Depreciation | 53 | 42 | 48 | 41 | 43 | 47 | 50 | 59 | 80 | 84 | 95 | 0 |
| PBT | 339 | 468 | 528 | 802 | 888 | 882 | 747 | 895 | 537 | 560 | 497 | -901 |
| Tax % | 24% | 30% | 27% | 24% | 23% | 17% | 32% | 31% | 43% | 40% | 32% | — |
| Net Profit | 259 | 326 | 386 | 608 | 684 | 728 | 510 | 615 | 304 | 336 | 338 | -1,336 |
| EPS (₹) | — | — | — | — | — | — | — | — | — | 47.19 | 47.5 | -188 |
| Div. Payout % | 19% | 15% | 13% | 11% | 12% | 12% | 18% | 16% | 4% | 9% | 11% | — |
Balance Sheet
| Particulars | Mar 2006 | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Sep 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 59 | 71 | 71 |
| Reserves | 1,282 | 1,549 | 1,668 | 2,200 | 2,791 | 3,414 | 3,816 | 4,315 | 4,910 | 5,667 | 5,950 | 5,170 |
| Borrowings | 27,163 | 32,887 | 38,203 | 44,589 | 54,134 | 63,884 | 79,077 | 93,371 | 96,155 | 94,873 | 1,04,068 | 1,07,949 |
| Other Liabilities | 3,368 | 3,507 | 4,183 | 2,511 | 2,481 | 3,629 | 3,043 | 3,843 | 4,171 | 4,996 | 4,417 | 3,302 |
| Total Liabilities | 31,862 | 37,993 | 44,105 | 49,349 | 59,455 | 70,977 | 85,987 | 1,01,579 | 1,05,285 | 1,05,595 | 1,14,507 | 1,16,493 |
| Fixed Assets | 165 | 160 | 166 | 172 | 203 | 221 | 243 | 286 | 339 | 432 | 445 | 988 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 10,630 | 9,718 | 11,353 | 13,232 | 15,844 | 17,927 | 22,438 | 27,226 | 27,941 | 24,819 | 36,062 | 38,940 |
| Other Assets | 21,068 | 28,115 | 32,585 | 35,946 | 43,407 | 52,828 | 63,306 | 74,068 | 77,005 | 80,344 | 78,000 | 76,564 |
| Total Assets | 31,862 | 37,993 | 44,105 | 49,349 | 59,455 | 70,977 | 85,987 | 1,01,579 | 1,05,285 | 1,05,595 | 1,14,507 | 1,16,493 |
Cash Flow
| Particulars | Mar 2006 | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -1,520 | 1,127 | 630 | -955 | 2,111 | — | — | — | — | — | — |
| Investing | -110 | -38 | -54 | -47 | -74 | — | — | — | — | — | — |
| Financing | 184 | 178 | 461 | -231 | -358 | — | — | — | — | — | — |
| Net Cash Flow | -1,447 | 1,267 | 1,037 | -1,233 | 1,679 | — | — | — | — | — | — |
| Free Cash Flow | -1,631 | 1,089 | 576 | -1,002 | 2,037 | — | — | — | — | — | — |
| CFO/OP | -99 | 67 | 32 | -23 | 67 | — | — | — | — | — | — |
Ratios
| Particulars | Mar 2006 | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -378 | -331 | -332 | -147 | -97 | -123 | 5 | -81 | -41 | 46 | 106 |
| ROCE % | — | 7% | 8% | 8% | 7% | 7% | 8% | 8% | 8% | 8% | 7% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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48 extracted metrics + investor summaries across FY02–FY17.
Documents
Frequently Asked Questions about State Bank of Travancore(Merged)
What does State Bank of Travancore(Merged) do?
Where is State Bank of Travancore(Merged) (SBT) listed?
Company Information
State Bank of Travancore,incorporated in India, listed on the Bombay Stock Exchange Limited, and National Stock Exchange Limited, the company is engaged in Corporate / Wholesale Banking,Retail Banking,Treasury and,Other Banking Operations
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