Andhra Bank(Merged)
ANDHRABANK NSE
This stock has been delisted or merged and is no longer actively traded.
Andhra Bank(Merged)
DelistedNSE: ANDHRABANK
This stock has been delisted or merged and is no longer actively traded.
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.23 times its book value
- Company's working capital requirements have reduced from 85.4 days to 57.2 days
Weaknesses
6- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 3.98% over past five years.
- Company has a low return on equity of -20.5% over last 3 years.
- Contingent liabilities of Rs.1,39,089 Cr.
- Company might be capitalizing the interest cost
- Earnings include an other income of Rs.3,499 Cr.
Growth Rate
Revenue Growth
5% higher than
3Y
Net Income Growth
52%
Quarterly Results
| Particulars | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
|---|---|---|---|---|---|---|---|
| Sales | 4,591 | 4,822 | 4,867 | 4,923 | 5,034 | 5,030 | 5,008 |
| Expenses | 2,751 | 2,792 | 2,929 | 3,981 | 2,295 | 2,505 | 2,510 |
| Operating Profit | 1,840 | 2,030 | 1,938 | 941 | 2,740 | 2,526 | 2,498 |
| OPM % | 40% | 42% | 40% | 19% | 54% | 50% | 50% |
| Other Income | 725 | 726 | 742 | 890 | 689 | 856 | 911 |
| Interest | 3,068 | 3,027 | 3,099 | 3,032 | 3,312 | 3,265 | 3,162 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | -503 | -271 | -418 | -1,200 | 117 | 117 | 247 |
| Tax % | 8% | 63% | 37% | 1% | 71% | 61% | 29% |
| Net Profit | -537 | -433 | -566 | -1,206 | 39 | 56 | 185 |
| EPS in Rs | -4.48 | -3.61 | -3.26 | -4.18 | 0.13 | 0.19 | 0.62 |
Profit & Loss
| Particulars | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,375 | 6,373 | 8,303 | 11,362 | 12,972 | 14,397 | 16,512 | 17,798 | 18,232 | 18,209 | 19,203 | 20,074 |
| Expenses | 1,430 | 1,622 | 3,022 | 3,119 | 3,541 | 5,051 | 5,611 | 6,443 | 8,293 | 14,908 | 12,322 | 11,833 |
| Operating Profit | 3,945 | 4,751 | 5,280 | 8,243 | 9,431 | 9,346 | 10,900 | 11,356 | 9,939 | 3,301 | 6,881 | 8,241 |
| OPM % | 73% | 75% | 64% | 73% | 73% | 65% | 66% | 64% | 55% | 18% | 36% | 41% |
| Other Income | 783 | 965 | 1,151 | 1,245 | 1,570 | 2,036 | 2,276 | 2,113 | 3,088 | 3,097 | 3,088 | 3,499 |
| Interest | 3,747 | 4,177 | 5,069 | 7,578 | 9,151 | 10,558 | 11,830 | 12,314 | 12,496 | 11,640 | 12,224 | 12,797 |
| Depreciation | 82 | 102 | 112 | 99 | 90 | 95 | 124 | 148 | 156 | 199 | 136 | 140 |
| PBT | 899 | 1,437 | 1,251 | 1,811 | 1,761 | 728 | 1,223 | 1,007 | 375 | -5,441 | -2,391 | -1,197 |
| Tax % | 27% | 27% | 0% | 27% | 27% | 41% | 48% | 46% | 50% | -38% | 16% | 13% |
| Net Profit | 656 | 1,050 | 1,255 | 1,334 | 1,285 | 440 | 656 | 558 | 207 | -3,366 | -2,742 | -1,324 |
| EPS in Rs | 13.53 | 21.64 | 22.42 | 23.85 | 22.95 | 7.46 | 10.88 | 8.19 | 3.04 | -28.08 | -9.51 | -4.28 |
| Div. Payout % | 33% | 23% | 25% | 23% | 22% | 15% | 18% | 6% | 0% | 0% | 0% | 0% |
Balance Sheet
| Particulars | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 485 | 485 | 560 | 560 | 560 | 590 | 603 | 681 | 681 | 1,199 | 2,884 | 3,096 |
| Reserves | 3,175 | 3,942 | 5,966 | 6,941 | 7,895 | 8,172 | 9,491 | 10,345 | 10,748 | 9,738 | 10,447 | 9,345 |
| Borrowings | 62,730 | 83,529 | 99,783 | 1,14,078 | 1,34,922 | 1,55,073 | 1,70,371 | 1,84,057 | 2,04,343 | 2,26,405 | 2,30,168 | 2,26,863 |
| Other Liabilities | 2,117 | 2,428 | 3,025 | 3,685 | 4,183 | 5,565 | 7,208 | 7,604 | 10,649 | 8,770 | 10,545 | 9,289 |
| Total Liabilities | 68,507 | 90,383 | 1,09,332 | 1,25,264 | 1,47,559 | 1,69,400 | 1,87,673 | 2,02,687 | 2,26,421 | 2,46,111 | 2,54,044 | 2,48,592 |
| Fixed Assets | 323 | 338 | 311 | 314 | 318 | 407 | 1,234 | 1,317 | 1,496 | 1,476 | 1,565 | 1,496 |
| CWIP | 13 | 18 | 22 | 3 | 4 | 43 | 43 | 63 | 47 | 10 | 7 | 5 |
| Investments | 16,938 | 20,911 | 24,434 | 30,077 | 38,376 | 46,771 | 47,874 | 56,059 | 62,389 | 67,940 | 66,915 | 65,286 |
| Other Assets | 51,234 | 69,116 | 84,565 | 94,871 | 1,08,861 | 1,22,179 | 1,38,522 | 1,45,248 | 1,62,489 | 1,76,686 | 1,85,557 | 1,81,805 |
| Total Assets | 68,507 | 90,383 | 1,09,332 | 1,25,264 | 1,47,559 | 1,69,400 | 1,87,673 | 2,02,687 | 2,26,421 | 2,46,111 | 2,54,044 | 2,48,592 |
Cash Flow
| Particulars | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -528 | 5,520 | -1,251 | -982 | -883 | 1,883 | -3,035 | 7,801 | 9,572 | -11,922 | 14,664 | -7,534 |
| Investing | -197 | -122 | -68 | -81 | -95 | -222 | -238 | -272 | -161 | -132 | -76 | -65 |
| Financing | 318 | 482 | 611 | -637 | -637 | 1,153 | 1,327 | -6,136 | -600 | 10,332 | -15,498 | 3,653 |
| Net Cash Flow | -407 | 5,880 | -709 | -1,700 | -1,615 | 2,815 | -1,946 | 1,394 | 8,810 | -1,722 | -910 | -3,946 |
| Free Cash Flow | -725 | 5,398 | -1,320 | -1,063 | -978 | 1,661 | -3,273 | 7,530 | 9,413 | -12,063 | 14,581 | -7,603 |
| CFO/OP | -2 | 126 | -7 | -2 | 1 | 27 | -24 | 74 | 101 | -359 | 228 | -77 |
Ratios
| Particulars | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 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 | 0 |
| Working Capital Days | 0 | 216 | 132 | 80 | 8 | 36 | -39 | -29 | 107 | 128 | 71 | 57 |
| ROCE % | 8% | 7% | 7% | 8% | 8% | 7% | 8% | 7% | 6% | 3% | 4% | 5% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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56 extracted metrics + investor summaries across FY09–FY25.
Documents
Frequently Asked Questions about Andhra Bank(Merged)
What does Andhra Bank(Merged) do?
Andhra Bank operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers various products and services, which include deposits and accounts, loans, credit cards, debit cards, travel cards, online payment services, m...
Where is Andhra Bank(Merged) (ANDHRABANK) listed?
Andhra Bank(Merged) trades as ANDHRABANK on the NSE.
Company Information
Andhra Bank operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers various products and services, which include deposits and accounts, loans, credit cards, debit cards, travel cards, online payment services, mutual funds and insurance.
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