Vijaya Bank (Delisted) financials and balance sheet
BSE: 532401
Last traded ₹46.05 on 7 Mar 2019
Delisted on 25 Mar 2019.
9 years at a glance
Standalone, laid out as a bank files them. No figures on this form for the year to Mar 2016.Vijaya Bank annual reports
Net interest income, Net profit, ₹ crore
- Net interest income
- Net profit
Gross bad loans, per cent
- Gross bad loansGross non-performing loans. Loans whose borrowers have stopped paying, generally for 90 days, as a percentage of all loans, as the bank files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale.
Income
₹ crore, years to March.
| ₹ crore | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total incomeTotal income. Everything earned in the period, the total the statement states: for a bank, its interest earned and other income, with any other income line its statement totals; for a finance company, revenue from operations + other income; for a general insurer, premium earned + income from the policyholders' investments + other income; for a life insurer, premiums + the income and gains on the policyholders' investments. | 5,937 | 5,880 | 6,377 | 8,516 | 9,659 | 11,416 | 13,152 | – | 14,031 | 14,190 |
| 5,238 | 5,201 | 5,844 | 7,988 | 9,052 | 10,707 | 12,274 | – | 12,379 | 12,590 | |
| On loansInterest on loans. Interest and discount earned on the bank's loans and bills for the period; given only where the four interest lines add to the interest earned stated. | 3,830 | 3,839 | 4,192 | 6,050 | 6,809 | 7,714 | 8,609 | – | 8,735 | 9,028 |
| On investmentsInterest on investments. Income from the bonds and other securities the bank holds, for the period; given only where the four interest lines add to the interest earned stated. | 1,316 | 1,282 | 1,611 | 1,872 | 2,158 | 2,605 | 3,347 | – | 3,359 | 3,084 |
| On balances with the RBI and other banksInterest on balances with the RBI and other banks. Interest earned on money placed with the Reserve Bank and with other banks, for the period; given only where the four interest lines add to the interest earned stated. | 4 | 0 | 1 | 0 | 3 | 3 | 3 | – | 0 | 3 |
| Other interestOther interest. Interest earned besides on loans, investments and balances with banks, for the period; given only where the four interest lines add to the interest earned stated. | 87 | 80 | 40 | 66 | 81 | 385 | 315 | – | 285 | 476 |
| Interest paid | 4,113 | 3,752 | 3,897 | 6,085 | 7,174 | 8,623 | 9,981 | – | 8,873 | 8,287 |
| Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs. | 1,125 | 1,449 | 1,947 | 1,904 | 1,878 | 2,083 | 2,292 | – | 3,506 | 4,303 |
| Other incomeOther income. Income besides interest, for the period: for a bank, its other income as stated, such as fees, commissions and gains on investments; for a finance company, total income − interest earned, or where total income is not stated, fees and commission + gains on fair value changes + other income. | 699 | 679 | 533 | 528 | 607 | 710 | 879 | – | 1,651 | 1,601 |
| 925 | 1,072 | 1,433 | 1,201 | 1,363 | 1,690 | 1,912 | – | 2,737 | 2,806 | |
| Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses. | 899 | 1,057 | 1,047 | 1,230 | 1,122 | 1,104 | 1,259 | – | 2,421 | 3,098 |
| Set aside for bad loansProvisions for bad loans. What was set aside in the period for loans that may not be repaid: for a bank, its provisions other than for tax, which also cover its investments and loans still being repaid; for a finance company, the impairment of its loans and other financial assets. | 357 | 356 | 363 | 581 | 545 | 656 | 859 | – | 1,507 | 2,115 |
| Profit before tax | 542 | 701 | 684 | 649 | 577 | 448 | 400 | – | 914 | 983 |
| 279 | 194 | 160 | 68 | −9 | 32 | −40 | – | 164 | 256 | |
| Net profit | 262 | 507 | 524 | 581 | 586 | 416 | 439 | – | 750 | 727 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | – | – | – | – | – | – | – | – | – | ₹6.83 |
| Diluted earnings per shareDiluted earnings per share. That diluted earnings per share on today's share count, restated by the same splits and bonuses as the basic figure. | – | – | – | – | – | – | – | – | – | ₹6.83 |
Bad loans and capital
Per cent, and the bad loans themselves in ₹ crore. A non-performing loan is one the borrower has stopped paying, generally for 90 days.
| Figure | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross bad loans, ₹ croreGross non-performing loans, ₹ crore. Non-performing loans, those whose borrowers have stopped paying, generally for 90 days, at the amount still owed at the period end, as the bank states it. A 0 is given only for a bank whose loans are at most 1% of its assets, and the figure is not given where it is below the net figure or the bank's own gross share of loans shows a digit slipped. | 699 | 994 | 1,259 | 1,718 | 1,533 | 1,986 | 24,432 | – | 6,382 | 7,526 |
| Net bad loans, ₹ croreNet non-performing loans, ₹ crore. Non-performing loans less what the bank has set aside against them, at the period end, as the bank states it; not given where it is above the gross figure, or 0 beside a gross figure that is not. | 292 | 582 | 741 | 998 | 910 | 1,262 | 16,598 | – | 4,118 | 5,021 |
| Gross bad loans, % of loansGross non-performing loans. Loans whose borrowers have stopped paying, generally for 90 days, as a percentage of all loans, as the bank files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale. | – | – | – | – | – | – | – | – | 6.59% | 6.34% |
| Net bad loans, % of loansNet non-performing loans. Non-performing loans left after what has been set aside against them, as a percentage of loans, as the bank files it, or worked out from its filed amounts where the filed percentage cannot be read on its filing's scale. | – | – | – | – | – | – | – | – | 4.36% | 4.32% |
| Bad loans already provided forProvision coverage. (gross non-performing loans − net non-performing loans) ÷ gross non-performing loans × 100: the share of non-performing loans already covered by money set aside. | 58.17% | 41.52% | 41.14% | 41.92% | 40.66% | 36.43% | 32.06% | – | 35.47% | 33.28% |
| Core equity to risk-weighted loansCommon equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. | – | – | – | – | – | – | – | – | 8.44% | 10.36% |
| Held by the governmentGovernment holding. The share of the company the government holds, as the company states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, or where it is 0 and the shareholding pattern for the same date does not confirm the government holds none. | – | – | – | – | – | – | – | – | 70.33% | 68.77% |
Margins and returns
Per cent a year, on the average of the opening and closing balance sheets.
| Per cent | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cost to incomeCost to income. Operating expenses ÷ (net interest income + other income) × 100. | 50.71% | 50.34% | 57.79% | 49.39% | 54.85% | 60.49% | 60.30% | – | 53.06% | 47.53% |
Growth and returns over 3, 5 and 10 years
Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2018.
| Measure | 10 years | 5 years | 3 years |
|---|---|---|---|
| Revenue growth, yearly rateRevenue growth, yearly rate. 3 years: Revenue in the latest year ÷ revenue in the year three years before, to the power of one third, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 5 years: Revenue in the latest year ÷ revenue in the year five years before, to the power of one fifth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 10 years: Revenue in the latest year ÷ revenue in the year ten years before, to the power of one tenth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. | 12.4% | 8.0% | 2.6% |
| Profit growth, yearly rateProfit growth, yearly rate. 3 years: Profit to the company's own shareholders in the latest year ÷ profit to the company's own shareholders in the year three years before, to the power of one third, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 5 years: Profit to the company's own shareholders in the latest year ÷ profit to the company's own shareholders in the year five years before, to the power of one fifth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 10 years: Profit to the company's own shareholders in the latest year ÷ profit to the company's own shareholders in the year ten years before, to the power of one tenth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. | 7.2% | 4.4% | 18.3% |
| Net margin, averageNet margin, average. 3 years: The plain average of the yearly net profit margin over the last three years, needing at least two of them; a year without the figure is left out, never filled in. 5 years: The plain average of the yearly net profit margin over the last five years, needing at least four of them; a year without the figure is left out, never filled in. 10 years: The plain average of the yearly net profit margin over the last ten years, needing at least nine of them; a year without the figure is left out, never filled in. | 5.7% | 4.4% | 5.2% |