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Banks - Snapshot EmptyToday at 8:30 pm by nihal123

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» Bull Market
Banks - Snapshot EmptyToday at 7:56 pm by Backstage

» Thread for News on CSE and SL Economy
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» නොතේරෙන කමට කරපු මෝඩ වැඩේ....
Banks - Snapshot EmptyYesterday at 8:41 pm by Backstage

» රාගම බ්‍රවුන්ස් රෝහල ඉෂාරගෙන් හැරීට. රු. බිලියන 1.6 ක ගනුදෙනුවක්
Banks - Snapshot EmptyFri Feb 21, 2020 8:53 pm by nihal123

» SAMP.N0000 (Sampath Bank PLC)
Banks - Snapshot EmptyThu Feb 20, 2020 6:47 pm by NIRMALSG

» Huge transactions expected to boost CSE in near future’
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» මිනිරන්වලට දසදහස් ගුණයක වටිනාකමක් ගෙන දෙන ඉෂාර නානායක්කාරගේ නවතම මෙහෙයුම
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» Happy Birthday
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» Thought for the day...
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» Gota's Era
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» හොදට තිබුණ රටක්
Banks - Snapshot EmptyWed Feb 19, 2020 9:46 am by කිත්සිරි ද සිල්වා

» In the Meantime, Within Our Shores !
Banks - Snapshot EmptyMon Feb 17, 2020 12:40 pm by කිත්සිරි ද සිල්වා

» How does the stock market work?
Banks - Snapshot EmptyMon Feb 17, 2020 11:07 am by කිත්සිරි ද සිල්වා

» An ex-businessman, now bankrupt,
Banks - Snapshot EmptySun Feb 16, 2020 9:24 pm by Backstage

» Oil, Gold & Silver Prices
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» ආර්ථික වර්ධන වේගය – දකුණු ආසියාවේ රටවල් 8කින් ශ්‍රී ලංකාව 6 වැනි තැනට
Banks - Snapshot EmptyWed Feb 12, 2020 11:47 pm by nihal123

» LOLC Holdings
Banks - Snapshot EmptyWed Feb 12, 2020 6:19 pm by NIRMALSG

» චීනය කොරෝනා මරණ සංඛ්‍යාව ගැන සැබෑ තතු සඟවන බවට තොරතුරු හෙළිවේ
Banks - Snapshot EmptyThu Feb 06, 2020 8:33 pm by nihal123

» VPEL.N0000 (Vallibel Power Erathna PLC)
Banks - Snapshot EmptyThu Feb 06, 2020 11:29 am by කිත්සිරි ද සිල්වා

» Obituary Notice.
Banks - Snapshot EmptyThu Feb 06, 2020 10:47 am by කිත්සිරි ද සිල්වා

» IOC පිරවුම්හල් හිමියන් පාරට බසී. මිල සමාන කරන්නැයි ඉල්ලයි
Banks - Snapshot EmptyThu Feb 06, 2020 10:37 am by කිත්සිරි ද සිල්වා

» කොරෝනා වෛරසය හමුවේ ලෝක වෙළෙඳපොළේ තෙල් මිල සීඝ්‍රයෙන් පහළට
Banks - Snapshot EmptyWed Feb 05, 2020 11:15 am by nihal123

» 2013 දී ශ්‍රී ලංකන් ගුවන් සේවයේ ඉහළ නිලධාරී බිරිඳකට ඩොලර් මිලියන 2ක අල්ලසක්
Banks - Snapshot EmptyTue Feb 04, 2020 12:53 pm by කිත්සිරි ද සිල්වා

» නව කොරෝනා වෛරසයේ ආර්ථික බලපෑම්
Banks - Snapshot EmptyMon Feb 03, 2020 11:16 pm by nihal123

» චීනයේ හුනාන් පළාතේ තවත් වයිරසයක් පැතිරයන බවට අනතුරු ඇඟවීමක්
Banks - Snapshot EmptyMon Feb 03, 2020 9:15 pm by serene

» ද ෆිනෑන්ස්, අර්ථසාධක අරමුදලේ රු. මිලියන 205 ක් ගිලියි
Banks - Snapshot EmptyMon Feb 03, 2020 12:29 pm by nihal123

» COMB.N0000 (Commercial Bank of Ceylon PLC)
Banks - Snapshot EmptySat Feb 01, 2020 6:16 am by serene

» BPPL Holdings Limited
Banks - Snapshot EmptyFri Jan 31, 2020 8:41 pm by pathfinder

» මූල්‍ය සමාගම්වලින් භාගයක්ම දුවන්නේ අමාරුවෙන්
Banks - Snapshot EmptyFri Jan 31, 2020 8:08 pm by nihal123

» EPF ආයෝජනයට සූදානම්
Banks - Snapshot EmptyThu Jan 30, 2020 10:13 pm by nihal123

» Man’ who gave birth in Matara hospital says he doesn’t want his baby
Banks - Snapshot EmptyThu Jan 30, 2020 6:57 pm by Backstage

» ප්‍රතිපත්ති පොලී අනුපාතය අඩු කෙරේ
Banks - Snapshot EmptyThu Jan 30, 2020 10:54 am by nihal123

» Sri Lanka’s EPF bought shares with no approval, no analysis
Banks - Snapshot EmptyThu Jan 30, 2020 9:35 am by nihal123

» කොරෝනා නිසා ගෝලීය සමාගම් රැසකට බිලියන ගණනක් පාඩුයි
Banks - Snapshot EmptyWed Jan 29, 2020 10:33 pm by nihal123

» කොටස් වෙළෙඳපොළ සක්‍රීය වෙයි. දෛනික පිරිවැටුම රු. බිලියනය ඉක්මවයි. සියලු කොටස් ඒකක 51කින් ඉහළට
Banks - Snapshot EmptyWed Jan 29, 2020 10:20 pm by nihal123

» කොරොනා වෛරසයෙන් කොටස් වෙළෙඳපොළට දැඩි බලපෑම්
Banks - Snapshot EmptyTue Jan 28, 2020 2:39 pm by lanka

» LIOC.N0000 (Lanka IOC PLC)
Banks - Snapshot EmptyMon Jan 27, 2020 9:48 am by LSE

» බැඳුම්කර වංචාවේ වෝහාරික විගණන වාර්තාව පාර්ලිමේන්තුවට
Banks - Snapshot EmptyFri Jan 24, 2020 7:05 am by nihal123

» අසාදුගත ව්‍යාපාරිකයින්ට රජයෙන් දුන් සහනය මෙන්න
Banks - Snapshot EmptyFri Jan 24, 2020 6:37 am by nihal123

» සුරැකුම්පත් කොමිසමට නව සභාපතිවරයෙක්
Banks - Snapshot EmptyWed Jan 22, 2020 10:20 am by lanka

» කොටස් තැරැව්කරුවෝ අගමැති මහින්ද හමුවෙති
Banks - Snapshot EmptyMon Jan 20, 2020 9:29 pm by nihal123

» SEYB.N0000 (Seylan Bank PLC)
Banks - Snapshot EmptySun Jan 12, 2020 10:06 pm by subash

» ශ්‍රී ලංකා කොටස් වෙළෙඳපොළ ඉතිහාසයේ දෙවැනි විශාලතම කොටස් ගනුදෙනුව අද
Banks - Snapshot EmptyThu Jan 09, 2020 9:59 pm by nihal123

» Hayleys MGT
Banks - Snapshot EmptyThu Jan 09, 2020 5:40 pm by subash

» Browns Investments update
Banks - Snapshot EmptyThu Jan 09, 2020 10:42 am by The Invisible

» Tokyo Cement
Banks - Snapshot EmptyWed Jan 08, 2020 10:48 pm by The Invisible

» Lanka Tiles
Banks - Snapshot EmptyWed Jan 08, 2020 10:44 pm by The Invisible

» RCL - Royal Ceramics
Banks - Snapshot EmptyWed Jan 08, 2020 10:39 pm by The Invisible

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Banks - Snapshot

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Banks - Snapshot Empty Banks - Snapshot

Post by First Guy on Sat Jul 18, 2015 7:27 pm

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  • Sorted according to P/B multiples
  • ROE is calculated as per March end equity and not average so might not give an accurate picture.


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Last edited by First Guy on Sun Jul 19, 2015 6:52 pm; edited 1 time in total
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Banks - Snapshot Empty Re: Banks - Snapshot

Post by First Guy on Sat Jul 18, 2015 7:33 pm

Interesting table above.

SAMP looks attractive as per earnings, ROE, Book value and has the lowest NPL. Only concern is the growth with capitaliation hovering around the minimum requirement levels. Core capital ratio is around 8% and due to this its rating was also downgraded.

PABC is also struggling with capitalization. Possible rights issue or PP ?

NTB and COMB showing good returns and comfortable capital which will help them grow. NTB has the best NIM as well. Looks like it should get closer to COMB.

The graph shows PABC, NDB, SEYB and NTB almost on the trendline while HNB and SAMP together below and COMB above. Will SAMP and HNB reach the line in future? Wink

UBC has ample cash. It needs to grow its loan book considerably in the coming periods to keep up with the others.
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Post by කිත්සිරි ද සිල්වා on Sat Jul 18, 2015 8:24 pm

Thanks FG. Very Happy

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Post by serene on Sat Jul 18, 2015 8:35 pm

First Guy wrote:Interesting table above.

SAMP looks attractive as per earnings, ROE, Book value and has the lowest NPL. Only concern is the growth with capitaliation hovering around the minimum requirement levels. Core capital ratio is around 8% and due to this its rating was also downgraded.

PABC is also struggling with capitalization. Possible rights issue or PP ?

NTB and COMB showing good returns and comfortable capital which will help them grow. NTB has the best NIM as well. Looks like it should get closer to COMB.

The graph shows PABC, NDB, SEYB and NTB almost on the trendline while HNB and SAMP together below and COMB above. Will SAMP and HNB reach the line in future? Wink

UBC has ample cash. It needs to grow its loan book considerably in the coming periods to keep up with the others.
 
Thanks FG.Another fabulous work.
1.6X P/B Wink Wink

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Post by chutiputha on Sat Jul 18, 2015 8:45 pm

My dear FG,It's Great and Remarkable ur effort.
Can couple SEYB.X par with ur chart.
+++
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Banks - Snapshot Empty Re: Banks - Snapshot

Post by First Guy on Sat Jul 18, 2015 10:14 pm

chutiputha wrote:My dear FG,It's Great and Remarkable ur effort.
Can couple SEYB.X par with ur chart.
+++

HNB, COMB and SEYB have non voting shares. I don't think it makes sense to compare them with the voting share. What we need to look at is how much of a discount are they trading compared to the voting share.
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Banks - Snapshot Empty Re: Banks - Snapshot

Post by Leon on Sun Jul 19, 2015 5:54 am

Thanks FG. +
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Post by kass on Sun Jul 19, 2015 11:39 am

Thanks FG
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Post by Nuinth on Sun Jul 19, 2015 12:57 pm

Thx FG, very useful.

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Post by Ethical Trader on Sun Jul 19, 2015 5:18 pm

Thanks FG. Good professional work.
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Post by First Guy on Sun Jul 19, 2015 6:53 pm

Thank you for the encouragement. I would like to have some others' comments too. Just so that I don't think I am always right Very Happy
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Post by First Guy on Fri Jan 15, 2016 12:40 pm

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Post by yellow knife on Fri Jan 15, 2016 12:56 pm

thanx

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Post by Backstage on Sun Jan 17, 2016 5:31 pm

Thanks FG.

I would also like to see how Sanasa compares as well. I have a feeling that their model of banking, with widespread rural tentacles would have relevance in the years up ahead.
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Banks - Snapshot Empty Re: Banks - Snapshot

Post by First Guy on Sat Feb 20, 2016 7:23 am

SAMP gave 13/- (6/- cash + 7/- scrip) dividend which is an increase over the last year

HNB gave a 7/- final (3.50/- cash + 3.50/- scrip) 8.50/- in total which is same as last year
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Banks - Snapshot Empty Re: Banks - Snapshot

Post by First Guy on Thu Mar 24, 2016 10:37 pm

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I thought this will be appropriate in this thread.

BOC tops the total operating income followed distantly by HNB and COMB.

BOC has only the 2nd lowest costs against total operating income (2nd to COMB)

Going by current average valuations of other banks, BOC can fetch a market cap of more than 140 B if listed, making it the 3rd large listed company after CTC and JKH
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Banks - Snapshot Empty Re: Banks - Snapshot

Post by Market lover on Fri Mar 25, 2016 1:01 am

Tks FG Smile

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Banks - Snapshot Empty Re: Banks - Snapshot

Post by yellow knife on Fri Mar 25, 2016 8:37 am

Thanx FG

We are really seeing CSE now...Thanx for including BOC.

We are seeing a more complete picture now.

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Post by sanjulanka on Fri Mar 25, 2016 9:16 am

Thanks FG.. I love you I love you I love you

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Post by tharindufit on Fri Mar 25, 2016 10:19 am

Thanks FG :-)

BoC seem to be using technology more being a state bank visiting Borella BoC recently to withdraw some cash I was impressed how they used self operated numbering system instead of waiting in queue.

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Banks - Snapshot Empty Re: Banks - Snapshot

Post by First Guy on Tue Jun 21, 2016 9:03 am

Chart with P/E of all banks. 2nd one is without DFCC, ABL and UBC

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Banks - Snapshot Empty Re: Banks - Snapshot

Post by Ethical Trader on Tue Jun 21, 2016 5:09 pm

Thanks. You omitted CDB.
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Post by blacknights on Tue Jun 21, 2016 6:54 pm

Ethical Trader wrote:Thanks. You omitted CDB.

It's a Finance company ET.
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Post by Ethical Trader on Wed Jun 22, 2016 12:18 pm

Thanks Blacknights.
blacknights wrote:
Ethical Trader wrote:Thanks. You omitted CDB.

It's a Finance company ET.
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Post by balapas on Wed Jun 22, 2016 4:22 pm

Moody’s revises three SL bank outlooks to negative


Moody’s Investors Service has affirmed the long-term ratings of three banks in Sri Lanka (B1 negative). Moody’s has also revised their ratings outlooks to negative from stable.

The affected banks are Bank of Ceylon, Hatton National Bank Ltd, and Sampath Bank PLC. The baseline credit assessments (BCAs) and Adjusted BCAs of the three banks were affirmed at B1.

The rating actions follow the affirmation of Sri Lanka’s B1 sovereign rating, and the change in outlook on the sovereign rating to negative from stable on 20 June 2016.

The counterparty risk assessments (CRAs) of the three banks were affirmed at Ba3(cr)/NP(cr).In Moody’s view, the operating conditions for Sri Lanka’s banks have weakened because of lower-than- expected policy effectiveness.

As a result, Moody’s has changed Sri Lanka’s Macro Profile to “Moderate -”from “Moderate”. The credit ratings on the three banks were affirmed and their outlooks changed to negative because Moody’s affirmed Sri Lanka’s B1 sovereign rating and changed its outlook to negative from stable on June 20, 2016.

The ratings and outlooks of banks typically follow the ratings and outlooks of their respective governments if the banks’ ratings are positioned at the same level as capped by the sovereign rating.

The fiscal consolidation path targeted by the authorities and outlined in the IMF program is ambitious; sustaining such efforts will challenge the government’s institutional capacities and might affect GDP growth over the short term. The decrease in score for Sri Lanka’s Macro Profile has had no impact on the BCAs of the three Sri Lankan banks.

Moody’s has affirmed the b1 BCAs and b1 Adjusted BCAs of the three banks.

For Bank of Ceylon, its b1 BCA was affirmed owing to the bank’s broadly stable asset quality with a 3.8% problem loans ratio at end-March 2016, as well as Moody’s expectation that its profitability will increase because of lower loan loss provisions and improved margins.

For Hatton National Bank Ltd., its BCA was affirmed because of the bank’s moderate capital adequacy position with a TCE ratio of 10.3% at end-March 2016. In addition, it has healthy profitability with a return on average assets of 1.8% for 1Q 2016. The BCA also captures the bank’s tight liquidity profile as seen in the high loans-to-deposits ratio of 98% at end-March. The bank’s asset quality improved in 2015 and early 2016, with problem loans of 2.4% as of the same date.

Moody’s notes that the bank’s rapid credit growth of 26% in 2015 could mask asset quality challenges because a large proportion of loans is unseasoned.

The BCA of Sampath Bank PLC was affirmed because of the bank’s healthy asset quality; a problem loans ratio of 1.64% at end-2015 and problem loans coverage of 111%. Similar to Hatton National Bank, Sampath Bank reported very high loan growth of 24% in 2015, which could mask asset quality challenges. Profitability remains key credit strength of the bank, with its return on average assets over the last three years averaging at 1.23%.

The bank’s capital levels are low, with a TCE ratio of 6.9% end-2015.

The Counterparty Risk Assessments of the three banks were affirmed because

of the respective affirmation of these banks’ Adjusted BCAs.

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