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Vijaya Bank - (Amalgamated) Stock Analysis

Mid Cap
Evaluated by 2145 users | BSE: 532401 | NSE: VIJAYABANK |
Bank - Public
Vijaya Bank was incorporated in October 1931 in Mangalore, Karnataka. It was founded by late Shri A.B.Shetty and other enterprising farmers with an intention to promote banking habits among farming community in the Dakshina Kannada district in Karnataka State. Vijaya Bank became a scheduled...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Vijaya Bank - (Amalgamated) has not performed well majority of the past ten years indicating its past ten year financial track record is not good
 Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Net Interest Income (Rs. Cr.)1,1251,4491,9471,9041,8782,0832,2922,7613,5064,303
Y-o-Y Gr. Rt.33-28.8%34.4%-2.2%-1.3%10.9%10%20.4%27%22.7%
Total Income5,9375,8806,3778,5169,65911,41613,15212,95714,03114,190
Y-o-Y Gr. Rt.--1%8.5%33.5%13.4%18.2%15.2%-1.5%8.3%1.1%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
6.0510.899.089.059.414.845.114.097.515.57
Y-o-Y Gr. Rt.-80%-16.6%-0.3%4%-48.6%5.6%-20%83.6%-25.8%
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
53.4761.4470.3176.1782.6665.6468.9570.0373.2975.43
Y-o-Y Gr. Rt.-14.9%14.4%8.3%8.5%-20.6%5%1.6%4.7%2.9%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.440.770.690.650.570.340.310.260.50.44
To view Net NPA to Net Advances (%) Colour Rating Guide click here
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 (%)0.821.41.521.721.31.551.924.84.364.32
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 13.32%
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Vijaya Bank - (Amalgamated) should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income16.1%18%23.4%22.7%
Total Income10.2%8%2.6%1.1%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-0.9%-10%2.9%-25.8%
Book Value per Share
3.9%-1.8%3%2.9%
Share Price - - - -
Key Financial Ratios
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Interest Earned / Total Income88.2388.4491.6493.893.7293.7893.3293.2688.2388.72
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.862.132.452.051.741.561.72.012.422.68
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)11.8620.3717.516.3714.888.547.66.1310.848.47
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 24.0324.6225.2522.0220.9718.420.3723.2228.1225.35
Entity Percentage Holding
Promoters 68.77%
Institutions 19.22%
Non-Institutions 12.01%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

MoneyWorks4Me analysed the past 10-year performance of Vijaya Bank - (Amalgamated) and arrived at the following conclusion:

Past 10 year's financial track record indicates that Vijaya Bank - (Amalgamated) is a below average quality company. However, for specific investment actions please connect with your investment advisor.

Data is not available for this company.

Data is not available for this company

Vijaya Bank was incorporated in October 1931 in Mangalore, Karnataka. It was founded by late Shri A.B.Shetty and other enterprising farmers with an intention to promote banking habits among farming community in the Dakshina Kannada district in Karnataka State.

Vijaya Bank became a scheduled bank in 1958. During the year 1963-68 is grew into

Vijaya Bank was incorporated in October 1931 in Mangalore, Karnataka. It was founded by late Shri A.B.Shetty and other enterprising farmers with an intention to promote banking habits among farming community in the Dakshina Kannada district in Karnataka State.

Vijaya Bank became a scheduled bank in 1958. During the year 1963-68 is grew into all India bank by merger of nine smaller banks into Vijaya Bank. It got nationalised in year 1980.

Currently, it has a network of 1277 branches, 49 extension counters and 551 ATMs pread across all 28 states and 4 union territories in the country.

Products and Services

Rural Banking- As main objective of Vijaya Bank was induce banking habits in Farmers, it offers wide range of products and services such as saving account, loans and advance facility to farmers, deposits , etc.

Personal Banking- It offers wide range of products in personal banking such as saving account, fixed deposit, debit card, credit card, RTGS, NEFT facility etc.

NRI Banking- It also offers products and services catering NRI Clients such remittances facility, loans, deposits etc.

Vijaya Bank offers various products and services specific to various segments such as it has saving accounts for children, scheme for women clientele, credit facilities to minority communities like Zoroastrians, Buddhists are among others.

It also offers merchant banking facility and insurance policy.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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