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					                                                                                              Regd off: 41/2, M. G. Road, Bangalore - 560 001
VIJAYA BANK                                                                                   E-Mail:    vijbank@vsnl.com
                                                                                              Web site: www.vijayabank.com
                                                                                              Telephone: (080) 2558 4066 Fax: (080) 2559 8040
BANKING                                                                   GOVERNMENT          Tr agent: Link Intime India, C-13, Pannalal Mills Compound, LBS Rd, Mumbai-78
Chairman: Albert Tauro (MD)                                                     SEC: K. Gopalakrishnan Nair                             AUD: Aiyar & Co.
Yr of Inc   B. Code      BL. Code      F.V.         Price        % ch 1-m       % ch 12-m       P/E      P/CF            Yield         Mkt cap               Vol.             ISIN
 1980   532401           VJYBK:IN      10            42.7          -3.8            14.8         3.4          7.1          2.3          18,511.3              331.1        INE705A01016
SHAREHOLDING                                                      FX Transaction (FY09)                              ADJUSTED DAILY SHARE PRICE DATA
Indian Promoters           : 53.9%                Exports (fob)          Rs m        0
Foreign collaborators      :   0.0%
                                                                                                      (Rs)
                                                  Imports (cif)          Rs m        0
Indian inst/Mut Fund       : 13.7%                Fx inflow              Rs m        0          100
FIIs/GDR                   :   1.2%               Fx outflow             Rs m        0                                                                        DAILY
Free float                 : 31.3%                Net fx                 Rs m        0
Shareholders               : 291,645
                                                                                                 80                                                           100 DMA

                           No. of months                   12            12            12
                             Year ending             31/03/07      31/03/08      31/03/09        60
EQUITY SHARE DATA
High                                   Rs                  59              98            57
Low                                    Rs                  33              39            20      40
Income per share                       Rs                65.1           89.7         120.8
Earnings per share                     Rs                 7.6             8.3           6.1
Cash flow per share                    Rs                15.0           13.7          25.6
                                                                                                 20
Dividends per share                    Rs                2.00           2.00          1.00
Avg Dividend yield                     %                  4.3            2.9           2.6
                                                                                                  0
Book value per share                   Rs                43.8           56.7          61.1
Shares outstanding (eoy)               m              433.52         433.52        433.52         Aug-06             Jun-07           Feb-08             Nov-08               Aug-09
Bonus/Rights/Conversions                                     -              -             -
Avg Price / Income ratio               x                   0.7            0.8           0.3                               No. of months                 12            12            12
Avg P/E ratio                          x                   6.0            8.2           6.4                                 Year ending           31/03/07      31/03/08      31/03/09
                                                                                               CASH FLOW
Avg P/CF ratio                         x                   2.9            4.0           2.7
Avg Price/Bookvalue ratio              x                  1.1             1.2           0.6    From Operations                         Rs   m      21,885           -13,002     25,197
Dividend payout                        %                 26.2           24.0          16.5     From Investments                        Rs   m        -233              -126       -224
Avg Mkt Cap                            Rs m            19,942         29,696        16,691     From Financial Activity                 Rs   m         698            23,400     -9,225
No. of employees                       `000                 11             11           12     Net Cashflow                            Rs   m      22,350            10,272     15,748
Total wages & salary                   Rs m             3,921          4,049         5,975
Avg. income/employee                   Rs Th          2,491.7        3,399.3       4,373.9                                       INTERIM RESULTS
Avg. wages/employee                    Rs Th            346.1          354.0         499.0                                           2QFY09   3QFY09            4QFY09         1QFY10
Avg. net profit/employee               Rs Th            292.5          315.8         219.2     Operating income            Rs    m    13,338   13,767            13,642         13,010
                                                                                               Gross Profit                Rs    m     2,686    3,130             3,210          3,414
INCOME DATA                                                                                    Gross profit margin         %            20.1     22.7              23.5           26.2
Interest income                        Rs     m        28,231        38,885        52,378      Net profit                  Rs    m       799    1,570             1,023          1,433
Other income                           Rs     m         2,748         5,320         6,988      Net profit margin           %              6.0    11.4                7.5          11.0
Interest expense                       Rs     m        17,512        30,584        41,130
Net interest income                    Rs     m        10,719         8,301        11,248
Operating expense                      Rs     m         6,507         7,013         9,247
Gross profit                           Rs     m         4,212         1,288         2,001
Gross profit margin                    %                 14.9            3.3           3.8
Provisions/contingencies               Rs     m         3,483         3,833         3,574
Profit before tax                      Rs     m         3,478         2,776         5,415
Extraordinary Inc (Exp)                Rs     m             0              0             0
Minority Interest                      Rs     m             0              0             0
Prior Period Items                     Rs     m             0              0             0
Tax                                    Rs     m           164          -837         2,790
Profit after tax                       Rs     m         3,314         3,613         2,625
Net profit margin                      %                 11.7            9.3           5.0

BALANCE SHEET DATA
Advances                               Rs     m      242,236        316,892       354,681
Deposits                               Rs     m      376,045        479,520       545,354
Credit/Deposit ratio                   x                64.4           66.1          65.0
Yield on advances                      %                 7.3             8.5         10.8
Cost of deposits                       %                  4.4            6.1           7.0
Net Interest Margin                    %                  2.6            1.5           1.9
Net fixed assets                       Rs     m        1,862          5,078         4,932
Share capital                          Rs     m        4,335          4,335         4,335
Free reserves                          Rs     m        7,614          9,011         9,009
Net worth                              Rs     m       18,967         24,590        26,493
Borrowings                             Rs     m        1,981          6,192         6,192
Investments                            Rs     m      120,184        166,173       173,877
Total assets                           Rs     m      423,575        561,843       623,826
Debt/equity ratio                      x                19.9           19.8          20.8
Return on assets                       %                  0.8            0.6           0.4
Return on equity                       %                17.5           14.7            9.9
Capital adequacy ratio                 %                11.2           11.3          13.2
Net NPAs                               %                  0.6            0.6           0.8


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posted:11/6/2010
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