Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

ING Vysya Bank Ltd.(Amalgamated)

Mid Cap

Evaluated by 1256 users |

BSE

: 531807 |

NSE

: INGVYSYABK |

Bank - Private

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
 Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Net Interest Income (Rs. Cr.)3574814464996508301,0071,2091,5391,754
Y-o-Y Gr. Rt.-34.9%-7.3%11.8%30.3%27.7%21.3%20.1%27.3%13.9%
Total Income1,1241,4481,5512,1072,7882,8543,3494,5265,5886,072
Y-o-Y Gr. Rt.-28.8%7.1%35.9%32.3%2.4%17.3%35.2%23.5%8.7%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
-25.833.399.6916.118.4420.2626.3230.439.634.88
Y-o-Y Gr. Rt.-NA185.8%66.2%14.5%9.9%29.9%15.5%30.3%-11.9%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
249.2799.71108.73139.47155.53185.62208.68258.55292.53369.79
Y-o-Y Gr. Rt.--60%9.1%28.3%11.5%19.4%12.4%23.9%13.1%26.4%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)-0.250.20.50.740.660.740.871.061.21.14
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)2.131.760.950.71.231.20.390.180.180.28
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income19.4%22%20.3%13.9%
Total Income20.6%16.8%21.9%8.7%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NA13.6%9.8%-11.9%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
4.5%18.9%21%26.4%
Share Price 13% 10.5% - -
 
RATIOS \ YEARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Interest Earned / Total Income88.1684.4581.7779.7680.3478.2480.4585.218785.72
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.483.062.472.072.22.592.712.712.913
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)-6.034.299.4913.6512.5112.7213.414.2514.5811.44
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 24.2327.0128.9231.4826.9632.5834.6434.2832.533.38
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
42.35%
40.04%
17.61%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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