X

The Bank Of Rajasthan Ltd Stock Analysis

Small Cap
Evaluated by 5 users | BSE: 500019 | NSE: BANKRAJAS |
Bank - Private
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...

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.
 Mar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10
Net Interest Income (Rs. Cr.)133129181190213222319314377335
Y-o-Y Gr. Rt.33--3%40.1%5%12.4%4.2%43.3%-1.5%20.3%-11.2%
Total Income4995505996805866018821,1761,5071,489
Y-o-Y Gr. Rt.-10.2%9%13.5%-13.8%2.5%46.7%33.4%28.1%-1.2%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
2.142.684.34.282.170.956.857.147.3-6.33
Y-o-Y Gr. Rt.-25.2%60.5%-0.5%-49.3%-56.2%621.1%4.2%2.2%-186.7%
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
11.8515.5217.9420.4221.7422.4827.7558.1764.858.04
Y-o-Y 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 (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.770.881.250.950.40.161.010.830.71-0.59
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 (%)7.658.866.82.992.50.990.240.420.731.6
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 - - - - - - - - - 7.52%
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.
The Bank Of Rajasthan Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income10.8%9.4%1.7%-11.2%
Total Income12.9%20.5%19.1%-1.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-212.8%-223.9%-197.4%-186.7%
Book Value per Share
19.3%21.7%27.9%-10.4%
Share Price - - - -
Key Financial Ratios
RATIOS \ YEARSMar'01Mar'02Mar'03Mar'04Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10
Interest Earned / Total Income88.6882.2978.973.9689.1289.7485.9489.2191.2891.27
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 (%)3.222.833.082.332.412.332.72.082.292.04
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 (%)22.4219.5626.3722.4610.34.2827.2916.6211.86-10.31
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 (%) 41.7342.9136.0729.7732.7436.6731.8429.5927.4132.79
Entity Percentage Holding
Institutions 16.24%
Non-Institutions 83.76%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

Data is not available for this company.

Data is not available for this company

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

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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

Callback