The Bank Of Rajasthan Ltd - Stock Valuation and Financial Performance

BSE: 500019 | NSE: BANKRAJAS | Bank - Private | Small Cap

BSE Share Price
Not Listed

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The Bank Of Rajasthan stock performance -

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P/E Ratio (SA):
0.00
Market Cap:
3,422.2 Cr.
52-wk low:
207
52-wk high:
213.5

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1. Is a good quality company?

Data is not available for this company.

2. Is undervalued or overvalued?

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3. Is a good buy now?

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10 Year X-Ray of Bank of Raj:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

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.
Mar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10TTM
Net Interest Income (₹ Cr.)133129181190213222319314377335336
YoY Gr. Rt. %--3%40.1%5%12.4%4.2%43.3%-1.5%20.3%-11.2%-
Total Income4995505996805866018821,1761,5071,4891,489
YoY Gr. Rt. %-10.2%9%13.5%-13.8%2.5%46.7%33.4%28.1%-1.2%-
Adj EPS (₹ ) 2.12.74.34.32.216.97.17.3-6.3-6.3
YoY Gr. Rt. %-25.2%60.5%-0.5%-49.3%-56.2%621.1%4.2%2.2%-186.7%-
BVPS (₹ )11.915.517.920.421.722.527.858.264.85858
YoY Gr. Rt. %-31%15.6%13.8%6.5%3.4%23.4%109.6%11.4%-10.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.80.91.310.40.210.80.7-0.60
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)7.78.96.832.510.20.40.71.61.6
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)----------7.52

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income10.8%9.4%1.7%-11.2%
Total Income12.9%20.5%19.1%-1.2%
Adj EPS-212.8%-223.9%-197.4%-186.7%
BVPS19.3%21.7%27.9%-10.4%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10TTM
Interest Earned / Total Income88.6882.2978.973.9689.1289.7485.9489.2191.2891.2791.4
Margins To view Margins Colour Rating Guide click here
NIM (%)3.22.83.12.32.42.32.72.12.320
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)22.419.626.422.510.34.327.316.611.9-10.3-10.9
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)41.742.936.129.832.736.731.829.627.432.8-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - The Bank Of Rajasthan Ltd.

Standalone Consolidated
TTM EPS (₹) -6.3 4.2
TTM Sales (₹ Cr.) 1,359 473
BVPS (₹.) 58 21.1
Reserves (₹ Cr.) 775 179
P/BV 3.65 10.05
PE 0.00 50.30
From the Market
52 Week Low / High (₹) 207.00 / 213.50
All Time Low / High (₹) 4.93 / 213.50
Market Cap (₹ Cr.) 3,422
Equity (₹ Cr.) 161.4
Face Value (₹) 10
Industry PE 18

Management X-Ray of Bank of Raj:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Bank of Raj

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10
Income 498.91549.81599.09679.87586.12601.02881.931,176.401,507.231,489.48
Interest Income 442.43452.43472.67502.86522.36539.38757.931,049.441,375.841,359.49
Other Income 56.4897.39126.42177.0163.7661.64124126.96131.39129.99
Expenditure 466.69509.50530.67610.83551.10585.77771.361,061.201,389.521,591.61
Interest Expense 309.30323.33291.83313.02308.91317.06439.40735.60998.451,024.48
Operating Expenses 131.90145.07158.68181.55194.75255.07250.74269.52315.01492.90
Provisions25.4941.1080.16116.2647.4413.6481.2356.0976.0674.23
Profit Before Tax33.4253.83110.8696.5951.6022.93159.65170.73173.08-145.05
Taxes 1.2013.5242.4427.5516.597.6749.0855.5355.37-42.92
Profit After Tax 32.2240.3168.4269.0435.0115.26110.57115.20117.71-102.13
Adjusted EPS (₹)2.142.684.304.282.170.956.857.147.30-6.33
Dividend Payout Ratio (%)0%0%31%31%34%18%19%6%3%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10

Equity and Liabilities

Share Capital 100.37100.37105.97107.57107.57107.57107.57134.46161.35161.35
Total Reserves 78.11133.33179.25221.91243.16255.08340.22804.16884.24775.16
Minority Interest0000000000
Deposits3,533.223,959.985,299.247,405.898,120.318,891.2810,815.9213,849.3515,187.1515,062.35
Borrowings 17.8829.9617.21176.32207.1511.0558.6191.751.280.65
Other Liabilities 614.57583.25527.86543.62476.50588.66774.66922.44990.381,300.55
Total Liabilities 4,344.144,806.896,129.528,455.309,154.699,853.6412,096.9815,802.1517,224.4017,300.06

Assets

Balance with RBI 423.26352.95378.65325.93350.50505.46600.601,210.70703.451,078.70
Balance with Banks281.57365.92628.451,049.842,098.872,413.291,858.771,687.791,171.48308.90
Investments 1,568.971,882.932,642.554,353.013,514.672,566.543,640.694,729.206,809.156,722.51
Advances 1,867.041,955.962,221.242,431.632,896.174,064.975,704.027,433.887,780.758,329.47
Net Block 64.0549.3979.1799.82124.57135.15138.88528.50524.59516.16
Other Assets128.35187.46178.58194.19169.03167.36154.02212.08234.97344.32
Total Assets 4,344.144,806.896,129.528,455.309,154.699,853.6412,096.9815,802.1517,224.4017,300.06

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10
Cash Flow From Operating Activity 32.4927.06310.38423.961,135.39506.18-440.91477.36-1,020.67-491.48
Cash Flow From Investing Activity -16.23-13.01-27.75-32.76-37.52-23.31-15.40-13.07-15.01-10.19
Cash Flow From Financing Activity 37.6005.60-22.54-24.27-13.49-3.07-25.1712.1214.34
Net Cash Flow 53.8614.04288.23368.671,073.60469.38-459.37439.12-1,023.56-487.33
PARTICULARSMar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10

Operational & Financial Ratios

EPS (₹)3466311097-6
DPS (₹)0022102100
BVPS (₹)18232731333442706558

Margin Ratios

Yield on Advances (%)23.723.121.320.718.013.313.314.117.716.3
Yield on Investments (%)12.013.111.99.47.37.07.16.45.96.9
Cost of Liabilities (%)8.78.15.54.13.73.64.05.36.66.8
NIM (%)3.22.83.12.32.42.32.72.12.32.0
Interest Spread (%)15.015.015.816.614.39.79.38.811.19.5

Performance Ratios

ROA (%)0.80.91.31.00.40.21.00.80.7-0.6
ROE (%)22.419.626.422.510.34.327.316.611.9-10.3
ROCE (%)21.624.940.825.011.47.640.625.819.5-10.8

Efficiency Ratios

Cost to Income Ratio (%)69.664.151.649.570.389.856.761.161.9106.0
Operating Costs to Assets (%)3.03.02.62.22.12.62.11.71.82.9

Valuation Parameters

Price/Book(x)0.70.50.51.21.71.30.91.40.60.9

The Bank Of Rajasthan Ltd Stock News

The Bank Of Rajasthan Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Bank of Raj on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jan-1970 05:30 the market cap of Bank of Raj stood at ₹3,422.2.
The latest P/E ratio of Bank of Raj as of 01-Jan-1970 05:30 is 0.00.
The latest P/B ratio of Bank of Raj as of 01-Jan-1970 05:30 is 3.65.
The 52-week high of Bank of Raj is ₹213.5 and the 52-week low is ₹207.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Bank of Raj is ₹1,359 ( Cr.) .

About The Bank Of Rajasthan Ltd

Bank of Rajasthan was established in 1943 at Udaipur (Rajasthan) by Mansingka brothers of Bhilwara for establishing a joint stock bank. 

The bank was established with a seed capital of Rs.10.00 lacs. The bank got its name since it was located in Rajasthan. The logo of the bank consists of the historic Victory Tower of Chittorgarh, (Rajasthan) the rising sun and sand-dunes in a circular shape of coin.

The bank has a pan- India presence providing wide range of product and services in area of Commercial Banking, Merchant Banking, Auxiliary services, Consumer Banking, Deposit and Money Placement services, Trust and Custodial services, International Banking, Priority Sector Banking and Depository. 

Bank of Rajasthan has a total 463 branches, 29 Offsite ATMs and 67 Onsite ATMs across the country.

Milestone

1948- The Bank was included in the second schedule by the Reserve Bank of India.

1955-The bank was given license under Section 22 of Banking Regulation Act, 1949 by the Reserve Bank Of India (RBI).

1960- It was one of pioneers to introduce mobile branches in Jaipur i.e. providing banking services at the door step of customers

1973- The bank received license to deal in foreign exchange from the RBI.

The bank was among the first banks in the private sector to have been assigned Lead Bank responsibility which it shared with an associate of State Bank of Bikaner and Jaipur in Udaipur District.

1983- It was one of the earliest banks to establish Mewar Anchlik Gramin Bank in Udaipur District in Rajasthan.

1993- The bank received authority to deal as class-I merchant Banker. Bank also started currency chest.

1997- The bank received ISO-9002:94 certification for its C-scheme, Jaipur branch.

1998- The Bank started its first ATM services in the series of Quality services to its customers at C-Scheme Jaipur branch.

Products and Services

Personal Banking- Under this it offers various products and services such saving account, loans, deposits, ATM facility, RTGS/NEFT facility, internet banking, demat services, etc.

NRI Banking- Besides various personal banking products it also offers remittance services, consultancy services to its NRI Clients.

Corporates- To corporates it offers various products and services such as corporate accounts, term finance, working capital loans, RTGS, NEFT, CMS,

Priority and SME- It also caters its products and services to Priority and SME segment such as providing various kinds of products to meet their various business requirements.

Outlook

Bank of Rajasthan has entered into a strategic partnership with the insurance wing of ICICI Bank -- ICICI Prudential Life Insurance Co.—for facilitating the payment of premium and expanding the insurance business in rural areas through bank’s branches.

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