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Bendigo and Adelaide Bank Financial Data
| Company name: | Bendigo and Adelaide Bank Ltd | Status: | Active |
| End of fiscal year: | 30 June 2018 | ISIN | AU0000BENPF1 |
| Auditor: | EY | Year established: | 1995 |
| Company sector name: | Financial Services | Industry name: | Banks - Regional - Australia |
| Place of incorporation: | Australia (AU) | Industry group name | Banks |
| Doing business in: | Australia (AU) | Address | 22-44 Bath Lane The Bendigo Centre, 3552 |
| Tel.: | +61 354450666 | City/Country: | Bendigo, Australia |
| Fax: | +61 354857000 | Web address: | http://www.bendigoadelaide.com.au |
| Company description: | Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty. |
| Price | Price change [%] | Bid | Offer | Open | High | Low | Volume |
|---|---|---|---|---|---|---|---|
| 101.21 | 0.00[0.0%] | 101.20 | 101.21 | 0 | |||
| Market Cap. [m] | Shares In Issue [m] | Beta | EPS | DPS | PE Ratio | Yield | 52-Wks-Range |
| - | - | 0.18 | - | - | - | - | - - - |
BENPF KEY FIGURES (at previous day's close) | |
|---|---|
Yesterday's Close | 101.21 |
PE Ratio | - |
Market Capitalisation | 0.00 |
Latest Shares Outstanding | - |
Earnings pS (EPS) | - |
Dividend pS (DPS) | - |
Dividend Yield | - |
Sales per Employee | - |
Effective Tax Rate | - |
Foreign Sales | - |
Domestic Sales | - |
Selling, General & Adm/tive (SG... | 39.94% |
Research & Devlopment (R&D) as ... | 0.00% |
Gross Profit Margin | 0.00% |
EBITDA Margin | - |
Pre-Tax Profit Margin | 41.48% |
Assets Turnover | 46.70% |
Return on Assets (ROA) | 0.01% |
Return on Equity (ROE) | 0.08% |
Return on Capital Invested (ROC... | - |
Current Ratio | - |
Leverage Ratio (Assets/Equity) | 12.71% |
Interest Cover | 0.00 |
Total Debt/Equity (Gearing Rati... | 0.91% |
LT Debt/Total Capital | 0.22% |
Working Capital pS | - |
Cash pS | - |
Book-Value pS | - |
Tangible Book-Value pS | - |
Cash Flow pS | - |
Free Cash Flow pS | - |
Spread | 0.01 |
Gross gearing | 0.00% |
Net Debt | -1.32B |
BENPF Balance Sheet Chart (30 June 2018) | ||
|---|---|---|
 | ||
| Period † | High | Low |
|---|---|---|
| 1 Week | 0.00 | 0.00 |
| 1 Month | 0.00 | 0.00 |
| 3 Months | 0.00 | 0.00 |
| 6 Months | 0.00 | 0.00 |
| 1 Year | 0.00 | 0.00 |
| 3 Years | 0.00 | 0.00 |
| 5 Years | 0.00 | 0.00 |
Share price performance previous 3 years |
|---|
Share price performance intraday |
|---|
| Period † | Open | Open Avg. | VWAP | Min Vol | Max Vol | Avg. Daily Vol | Change | % |
|---|---|---|---|---|---|---|---|---|
| 1 Week | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
| 1 Month | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
| 3 Months | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
| 6 Months | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
| 1 Year | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
| 3 Years | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
| 5 Years | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0.00 | 0.0% |
BENPF Growth Ratios (30 June 2018) | ||||
|---|---|---|---|---|
| 1 year | 3 years | 5 years | 10 years | |
Diluted EPS growth | - | - | - | - |
Diluted continuous EPS growth | - | - | - | - |
Dividend growth | - | - | - | - |
Equity per share growth | - | - | - | - |
Revenue growth | 0.07 | 0.03 | 0.05 | 0.08 |
Operating income growth | - | - | - | - |
Net income growth | 0.01 | 0.01 | 0.04 | 0.10 |
Net income cont growth | 0.01 | 0.01 | 0.04 | 0.10 |
CFO growth | 5.02 | -0.14 | -0.04 | 0.08 |
FCF growth | 6.33 | -0.11 | -0.04 | 0.17 |
Operating revenue growth | 0.07 | 0.03 | 0.05 | 0.08 |
BENPF Income Statement 30 June 2018 (AUD) | |
|---|---|
Total Revenue | 1529.6 |
Net Interest Income | 1305.2 |
Interest and Dividend Income | 2659.6 |
Interest Expense | 1354.4 |
Non-Interest Income | 224.4 |
Fees and Commissions | 204.4 |
Fees and Commission Income | 239.6 |
Fees and Commission Expense | 35.2 |
Foreign Exchange Trading Gain... | 18.8 |
Other Non-Interest Income | 1.2 |
Provision for Loan and Lease ... | 4.7 |
Non-Interest Expense | 958.9 |
Occupancy and Equipment | 26.3 |
Occupancy | 26.3 |
Professional Expense and Cont... | 1.1 |
Selling,General and Administr... | 610.9 |
General and Administrative Ex... | 582.9 |
Salary and Benefit | 497.3 |
Rent and Landing Fees | 55.8 |
OtherGandA | 29.8 |
Selling and Marketing Expense | 28 |
Depreciation,Amortization and... | 56.6 |
Depreciation and Amortization | 56.6 |
Depreciation | 20.4 |
Amortization | 36.2 |
Amortization of Intangibles | 36.2 |
Other Non-Interest Expense | 264 |
Special Income/Charges | -0.4 |
Impairment of Capital Assets | 0.4 |
Other Non-Operating Income/Ex... | 42.9 |
Pretax Income | 634.5 |
Provision for Income Tax | 200 |
Net Income Available to Commo... | 434.5 |
Net Income | 434.5 |
Net Income Including Noncontr... | 434.5 |
Net Income from Continuing Op... | 434.5 |
Net Income from Continuing an... | 434.5 |
Normalized Income | 434.77391647 |
Depreciation,Reconciled | 56.6 |
Net Income from Continuing Op... | 434.5 |
TotalUnusualItemsExcludingGoo... | -0.4 |
TotalUnusualItems | -0.4 |
Tax rate for calculations | 0.32 |
BENPF Efficency Ratios (30 June 2018) | |
|---|---|
Days in sales | - |
Days in inventory | - |
Days in payment | - |
Cash conversion cycle | - |
Receivable turnover | - |
Inventory turnover | - |
Payable turnover | - |
Fixed assets turnover | 20.71 |
Assets turnover | 0.02 |
ROE | 0.08 |
ROA | 0.01 |
ROIC | - |
FCF sales ratio | 0.22 |
FCF net income ratio | 0.77 |
Capital expenditure sales ratio | 0.01 |
BENPF Financial Health Ratios (30 June 2018) | |
|---|---|
Current ratio | - |
Quick ratio | - |
Debt total capital ratio | 0.22 |
Debt equity ratio | 0.28 |
Financial leverage | 12.71 |
Total debt to equity | 0.91 |
BENPF Avearge Growth Ratios Over 5 Years (30 June 2018) | |
|---|---|
Growth ann capital spending | 0.14 |
Growth ann gross profit | - |
Avg gross margin | - |
Avg post tax margin | 0.29 |
Avg pre tax marginr | 0.42 |
Avg net profit | 0.29 |
Avg ret commonr | 0.08 |
Avg ret assets | 0.01 |
Avg ret invested capital | - |
BENPF Profitability Ratios (30 June 2018) | |
|---|---|
Gross margin | - |
Operating margin | - |
EBT margin | 0.41 |
Tax rate | 0.32 |
Net margin | 0.28 |
Sales per employee | - |
EBIT margin | - |
EBITDA margin | - |
Normalized net profit margin | 0.28 |
Interest coverage | - |
Inc per employee tot ops | - |
BENPF Valuation Ratios (29 June 2018) | |
|---|---|
Sales per share | - |
Growth ann sales per share 5 ye... | - |
Book value per share | - |
CF per share | - |
Price to EPS | - |
Ratio PE 5 year high | - |
Ratio PE 5 year low | - |
Price to book | - |
Price to sales | - |
Price to cash flow | - |
Price to free cash flow | - |
Div rate | 4.26 |
Dividend yield | 0.04 |
Div payout tot ops | - |
Div payout 5 year | - |
Payout ratio | - |
Sustainable growth rate | - |
Cash return | - |
BENPF Balance Sheet 30 June 2018 (AUD) | |
|---|---|
Total Assets | 71439.8 |
Cash,Cash Equivalents and Fed... | 1420.4 |
Cash and Cash Equivalents | 1320.4 |
Cash | 920.9 |
Cash Equivalents | 116.5 |
Cash and Due from Banks | 283 |
Money Market Investments | 100 |
Federal Funds Sold and Securi... | 100 |
Securities Purchased under Ag... | 100 |
Securities and Investments | 6117.4 |
Trading Securities | 4499.5 |
Available-for-Sale Securities | 469 |
Short Term Investments | 1148.9 |
Long term equity investment | 8.9 |
Derivative Assets | 29.7 |
Net Loan | 61601.8 |
Gross Loan | 61601.8 |
Net Property,Plant,and Equipm... | 69.9 |
Gross Property,Plant,and Equi... | 69.9 |
Machinery,Furniture/Equipment | 69.9 |
Goodwill and Other Intangible... | 1650 |
Goodwill | 1442.3 |
Other Intangible Assets | 207.7 |
Deferred Assets | 117 |
Deferred Tax Assets | 117 |
Other Assets | 424.7 |
Total Liabilities | 65819.5 |
Total Deposits | 59529.5 |
Interest Bearing Deposits,Lia... | 59529.5 |
Deposits by Bank | 59529.5 |
Payables and Accrued Expenses | 801.3 |
Payables | 801.3 |
Due to Related Parties | 352.5 |
Other Payable | 448.8 |
Current Debt and Capital Leas... | 3544.8 |
Current Debt | 3544.8 |
Notes Payable,Current | 3544.8 |
Derivative Liabilities | 34.8 |
Long Term Debt and Capital Le... | 1590.1 |
Long Term Debt | 1590.1 |
SubordinatedLiabilities | 709.2 |
Provisions,Current | 26.1 |
Employee Benefits | 110.5 |
Pension and Other Postretirem... | 110.5 |
Deferred Liabilities,Current | 182.4 |
Deferred Taxes,Current Liabil... | 182.4 |
Total Equity | 5620.3 |
Stockholder's Equity | 5620.3 |
Capital Stock | 4523.3 |
Common Stock | 4523.3 |
Retained Earnings | 975.9 |
Accumulated Gains/ Losses Not... | 121.1 |
Other Equity Adjustments | 119.6 |
Total Capitalization | 7210.4 |
Common Stock Equity | 5620.3 |
Net Tangible Assets | 3970.3 |
Invested Capital | 10755.2 |
Tangible Book Value | 3970.3 |
Total Debt | 5134.9 |
NetDebt | 3814.5 |
Ordinary Shares Number | 486.418481 |
TotalLiabilitiesAsReported | 65819.5 |
TotalEquityAsReported | 5620.3 |
BENPF Cash Flow 30 June 2018 (AUD) | |
|---|---|
Classes of Cash Receipts from... | 2905.1 |
Other Cash Receipts from Oper... | -42.9 |
Classes of Cash Payments | -2553.5 |
Cash Flow from Investing Acti... | -29.1 |
Cash Flow from Continuing Inv... | -29.1 |
Purchase/Sale of Investments,... | -59.1 |
Purchase of Investments | -59.1 |
Purchase/Sale of Property,Pla... | -14.1 |
Purchase of Property,Plant an... | -15.4 |
Sale of Property,Plant,and Eq... | 1.3 |
Purchase/Sale of Intangibles,... | -2.9 |
Sale of Intangibles | -2.9 |
Dividends Received, CFI | 2 |
Other Investing Changes,Net | 45 |
Cash Flow from Financing Acti... | -200.6 |
Cash Flow from Continuing Fin... | -200.6 |
Issuance/Payments of Debt,Net | 0.5 |
Issuance/Payments of Long Ter... | 0.5 |
Proceeds or Issuance of Long ... | 0.5 |
Issuance/Payments of Common S... | 49.3 |
Proceeds or Issuance of Commo... | 55.8 |
Payments for Common Stock | -6.5 |
Cash Dividends Paid | -251.8 |
Common Stock Dividends Paid | -251.8 |
Other Financing Changes, Net | 1.4 |
Cash and Cash Equivalents,End... | 1067.9 |
Change in Cash | 121.9 |
Cash and Cash Equivalents,Beg... | 946 |
Income Tax Paid, Supplemental... | 175.2 |
Interest Paid, Supplemental D... | 1379.9 |
Capital Expenditure | -18.3 |
Issuance of Capital Stock | 55.8 |
Issuance of Debt | 0.5 |
Repurchase of Capital Stock | -6.5 |
Free Cash Flow | 333.3 |
ChangeinCashSupplementalAsRep... | 121.9 |
