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ChangeVijaya Bank became nationalised bank in 1980 having a branch network of 910 spread across 28 states and four union territories. During FY05 the bank achieved the distinction of 100% branch computerisation. The major focus of the bank during the year ... More
Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More
| VIJAYA BANK | PNB | VIJAYA BANK/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.0 | -19.3 | - | View Chart |
| P/BV | x | 0.9 | 0.6 | 143.3% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
 VIJAYA BANK  PNB |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| VIJAYA BANK Mar-15 |
PNB Mar-16 |
VIJAYA BANK/ PNB |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 58 | 167 | 35.0% | |
| Low | Rs | 39 | 71 | 54.4% | |
| Income per share (Unadj.) | Rs | 142.9 | 258.7 | 55.2% | |
| Earnings per share (Unadj.) | Rs | 5.1 | -19.6 | -26.1% | |
| Cash flow per share (Unadj.) | Rs | 16.9 | -60.5 | -27.9% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 0 | - | |
| Avg Dividend yield | % | 3.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 71.7 | 212.9 | 33.7% | |
| Shares outstanding (eoy) | m | 859.12 | 1,963.60 | 43.8% | |
| Bonus/Rights/Conversions | - | PI | - | ||
| Avg Price / Income ratio | x | 0.3 | 0.5 | 73.9% | |
| Avg P/E ratio | x | 9.5 | -6.1 | -156.1% | |
| Avg P/CF ratio | x | 3.2 | 1.8 | 177.6% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 0.6 | 121.2% | |
| Dividend payout | % | 29.3 | 0 | - | |
| Avg Mkt Cap | Rs m | 41,753 | 233,865 | 17.9% | |
| No. of employees | `000 | 13.6 | 70.8 | 19.2% | |
| Total wages & salary | Rs m | 11,656 | 65,645 | 17.8% | |
| Avg. income/employee | Rs Th | 9,013.4 | 7,175.6 | 125.6% | |
| Avg. wages/employee | Rs Th | 856.0 | 927.2 | 92.3% | |
| Avg. net profit/employee | Rs Th | 322.7 | -542.8 | -59.5% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 122,735 | 508,039 | 24.2% | |
| Other income | Rs m | 8,790 | 69,766 | 12.6% | |
| Interest expense | Rs m | 99,813 | 343,306 | 29.1% | |
| Net interest income | Rs m | 22,923 | 164,733 | 13.9% | |
| Operating expense | Rs m | 19,122 | 103,499 | 18.5% | |
| Gross profit | Rs m | 3,801 | 61,234 | 6.2% | |
| Gross profit margin | % | 3.1 | 12.1 | 25.7% | |
| Provisions/contingencies | Rs m | 8,591 | 167,633 | 5.1% | |
| Profit before tax | Rs m | 3,999 | -52,931 | -7.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -1,797 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -395 | -16,299 | 2.4% | |
| Profit after tax | Rs m | 4,394 | -38,430 | -11.4% | |
| Net profit margin | % | 3.6 | -7.6 | -47.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 866,959 | 4,460,830 | 19.4% | |
| Deposits | Rs m | 1,263,434 | 5,703,826 | 22.2% | |
| Credit/Deposit ratio | x | 68.6 | 78.2 | 87.7% | |
| Yield on advances | % | 9.9 | 8.4 | 118.8% | |
| Cost of deposits | % | 7.7 | 5.4 | 143.1% | |
| Net Interest Margin | % | 1.7 | 2.4 | 69.1% | |
| Net fixed assets | Rs m | 5,667 | 53,081 | 10.7% | |
| Share capital | Rs m | 8,591 | 3,927 | 218.8% | |
| Free reserves | Rs m | 27,944 | 295,310 | 9.5% | |
| Net worth | Rs m | 61,598 | 418,043 | 14.7% | |
| Borrowings | Rs m | 72,782 | 816,737 | 8.9% | |
| Investments | Rs m | 445,221 | 1,651,265 | 27.0% | |
| Total assets | Rs m | 1,426,431 | 7,127,930 | 20.0% | |
| Debt/equity ratio | x | 21.7 | 15.6 | 139.1% | |
| Return on assets | % | 0.3 | -0.5 | -57.1% | |
| Return on equity | % | 7.1 | -9.2 | -77.6% | |
| Capital adequacy ratio | % | 11.7 | 13.7 | 85.7% | |
| Net NPAs | % | 1.9 | 8.6 | 22.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -32,120 | 141,670 | -22.7% | |
| From Investments | Rs m | -1,042 | -13,515 | 7.7% | |
| From Financial Activity | Rs m | 12,104 | 59,747 | 20.3% | |
| Net Cashflow | Rs m | -21,058 | 187,902 | -11.2% | |
| Indian Promoters | % | 74.1 | 58.9 | 125.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 7.9 | 18.7 | 42.2% | |
| FIIs | % | 2.0 | 17.2 | 11.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 16.0 | 5.3 | 301.9% | |
| Shareholders | 303,047 | 215,441 | 140.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare VIJAYA BANK With: YES BANK KARUR VYSYA BANK ANDHRA BANK SBI DCB BANK
Compare VIJAYA BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Indian share markets surged further in the afternoon session and finished in the green for the second straight session on heavy buying in realty stocks, metal stocks and bank stocks.
State Bank of India (SBI) continues to battle sliding asset quality and sluggish credit growth.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Asset quality will be the key thing to watch out for going forward.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
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Ensure your financial Independence, and pledge to start the journey towards financial freedom today!
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