BEN.ASX
Bendigo and Adelaide Bank Ltd
https://www.marketindex.com.au/asx/ben/financials
Annual Financial Summary
Print Financials
06/2023
06/2022
06/2021
06/2020
06/2019
06/2018
06/2017
06/2016
06/2015
06/2014
Profitability
NPAT ($M)
497
488.1
NPAT Margin
-
-
Abnormals ($M)
(56.9)
14.6
NPAT before Abnormals ($M)
553.9
473.5
Return on Equity (ROE)
8.09%
7.05%
Return on Assets (ROA)
0.56%
0.50%
Valuation
PE Ratio
9.73
12.05
PE Relative to Market
68.6%
77.5%
Price to Book
0.71
0.76
Price to Cash Flow
0.00
0.00
Shares Outstanding (M)
565.90
563.08
Market Cap ($M)
$4,861.04
$5,107.11
Enterprise Value ($M)
-
-
Performance
Total Shareholder Return
1.2%
-8.8%
Relative to Market
-13.6%
-1.4%
Per Share
Earnings (EPS Adjusted)
79.20
77.60
Earnings (with Abnormals)
88.27
75.28
Cash Flow
909.20
(516.80)
Cash
0.00
0.00
Net Tangible Assets
0.00
0.00
Book Value
12.11
11.92
Share Price
$8.59
$9.07
Dividends
DPS (c)
61.00
53.00
Dividend yield
7.10%
5.84%
Franking
100%
100%
Gross DPS (c)
87.14
75.71
Gross Dividend Yield
10.14%
8.35%
Payout Ratio
69%
70%
Member Content
Source:
Annual Financial Income Statement
Print Financials
06/2023
AUD $M
06/2022
AUD $M
06/2021
AUD $M
06/2020
AUD $M
06/2019
AUD $M
06/2018
AUD $M
06/2017
AUD $M
06/2016
AUD $M
06/2015
AUD $M
06/2014
AUD $M
Revenue
Interest Income
3,406.8
1,749.1
Interest Expenses
(1,766)
(332.3)
Net Interest Income
1,640.8
1,416.8
Provision Doubtful Debts
2.5
4.5
Net Interest Income Less Prov.
1,643.3
1,421.3
Non Interest Income
279.5
293
Total Operating Income
1,922.8
1,714.3
Expenses
Non Interest Expenses
(1,141.1)
(1,027.5)
Pre-Tax Profit
781.7
686.8
Tax Expense
(227.8)
(213.3)
Outside Equity
-
-
Ordinary Dividends
(343.2)
(292.3)
Preference Dividends
-
-
NPAT before Abs
553.9
473.5
Abnormal
(56.9)
14.6
Abnormals Tax
-
-
Net Abnormals
(56.9)
14.6
Reported NPAT after Abs
497
488.1
Equity
Share End
565.9
563.08
Share Weighted
627.53
628.99
EPS Adjusted
0.88
0.75
EPS after Abs
0.79
0.78
Forex Gain
-
-
Equity Profit / Loss
-
-
Member Content
Source:
Annual Financial Balance Sheet
Print Financials
06/2023
AUD $M
06/2022
AUD $M
06/2021
AUD $M
06/2020
AUD $M
06/2019
AUD $M
06/2018
AUD $M
06/2017
AUD $M
06/2016
AUD $M
06/2015
AUD $M
06/2014
AUD $M
Assets
Short Term Money
6,560
2,969.8
Investment Securities
10,070.4
11,538.8
Due from Banks
123.9
188
Loans
78,526.3
77,610.4
Total Earning Assets
95,280.6
92,307
Customer Acceptance
-
-
Fixed Assets
166.2
179.6
Other Non-Earning Assets
3,032.9
2,757.1
Total Non-Earning Assets
3,199.1
2,936.7
Total Assets
98,479.7
95,243.7
Liabilities
Due to Banks
190.3
178.8
Bank Acceptance
-
-
Deposits
77,310.8
74,583.9
Provisions
167.1
172.8
Bonds
12,391
12,253.1
Other Liabilities
1,569.8
1,343.2
Total Liabilities
91,629
88,531.8
Net Assets
6,850.7
6,711.9
Equity
Outside Equity
-
-
Capital
5,240.5
5,219.5
Reserves Excl. Share Premiums
42.9
105.9
Share Premium Reserves
-
-
Retained Profits
1,567.3
1,386.5
Other Equity
-
-
Convertible Equity
-
-
Member Content
Source:
Annual Financial Cash Flow
Print Financials
06/2023
AUD $M
06/2022
AUD $M
06/2021
AUD $M
06/2020
AUD $M
06/2019
AUD $M
06/2018
AUD $M
06/2017
AUD $M
06/2016
AUD $M
06/2015
AUD $M
06/2014
AUD $M
Operating Activities
Interest Received
3,124.1
1,812.5
Interest Paid
(1,330.8)
(351.1)
Dividends Received
1.4
5.2
Tax Paid
(241.1)
(195.3)
Other
4,152.1
(4,521.9)
Net Operating Cashflow
5,705.7
(3,250.6)
Investing Activities
Purchased PP&E
(30.6)
(14.5)
Proceeds from PP&E
0.1
(2.9)
Purchased Investments
(627.7)
(56.2)
Proceeds from Investments
-
-
Purchased Subsidiary
-
-
Proceeds from Subsidiary
-
-
Loans Granted
-
-
Loans Repaid
-
-
Other
60.7
84
Net Investing Cashflow
(597.5)
10.4
Financing Activities
Proceeds from Issues
-
-
Proceeds from Borrowings
-
125
Payments of Borrowings
(50.5)
(196.4)
Dividends Paid
(290.7)
(213.7)
Other
0.6
(8.8)
Net Financing Cashflow
(340.6)
(293.9)
Total Net Cashflow
4,767.6
(3,534.1)
Cash
Cash Begin
3,550.2
7,084.3
Exchange Rate Adjustment
-
-
Cash End
8,317.8
3,550.2
Member Content
Source: