NTB.N0000 (Nations Trust Bank PLC)

[yellow knifeTop contributor]

Nations Trust Bank has been growing aggressively since 2011 and its competing aggressively in leasing market.

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[yellow knifeTop contributor]

If Leasing is taken away from commercial banks as suggested by Budget proposal , this bank should have experienced much negative impact. As there is no assurance of removing leasing from commercial banks from June 2016, there won't be any impact for next years performance.

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[yellow knifeTop contributor]

Vehicle leasing has contributed much to performance of credit during past years where even the performance of a leading  NBFI , PLC.N is equal to commercial banks like NTB.

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[yellow knifeTop contributor]

Market value of the share was trading at attractive levels for a considerable period.

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[yellow knifeTop contributor]

A long term investor loves to see market price of a share falling below net assets of a share and as shown in following chart such situations are rare...

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[yellow knifeTop contributor]

Net assets were growing steadily..

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[yellow knifeTop contributor]

Despite growing EPS, dividends per share has reached a plateau and remain in 2.10 range for five years..

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[yellow knifeTop contributor]

PAT of NBFIs and commercial banks, ( evaluated so far)

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[yellow knifeTop contributor]

Total profit of the banking sector and NTB

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[yellow knifeTop contributor]

Core capital 5% and supplementary capital of 10% should be the minimum amount , and NTB is well above the minimum requirements..

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[yellow knifeTop contributor]

Growing dividends are shields to get protected from adverse situations in market.

Bank, Finance and Insurance category is evaluated for that purpose and UAL and NDB so far identified as dividend growers...

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[yellow knifeTop contributor]

Sector exposure of loan portfolio


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[Expert]

Thanks YK!

[First Guy]

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[yellow knifeTop contributor]

Thanx FG

[yellow knifeTop contributor]

Like PABC , NTB has also reduced its gold exposure since 2011 and moved into leasing.

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Even Leasing sector had gone through a learning curve to reduce Gross NPL ratio (%)

Loan Category	2015	2014
Consumer	3.25	4.42
Leasing	4.69	8.47
Corporate	0.52	2.03
SME Portfolio	4.58	3.96

[yellow knifeTop contributor]

Both NTB and PABC has moved from gold to leasing..

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[Ethical TraderTop contributor]

Thanks YK & FG.

[yellow knifeTop contributor]

Another bank , NTB has recorded a good results for 2016

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[කිත්සිරි ද සිල්වාTop contributor]

Thanks YK.
(Any significant increase in the PAT ? ).

[yellow knifeTop contributor]

Revenue growth % pattern so far seems to be fitting perfectly.

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[yellow knifeTop contributor]

Even though EPS is growing dividend has reached a permanent plateau of 2.10

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[yellow knifeTop contributor]

Market value vs Net assets per share

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[RanaTop contributor]

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[Ethical TraderTop contributor]

Thanks YK & Rana.