rating rational of vijaya bank

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Page 1: Rating Rational of Vijaya Bank

8/8/2019 Rating Rational of Vijaya Bank

http://slidepdf.com/reader/full/rating-rational-of-vijaya-bank 1/5

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]nq`li ]nq`blnf Bd 

T`enpn Mnlk

Xsmo`qqca mp 5 ]nlenl Xjnlkn} Xjcqqp

Page 2: Rating Rational of Vijaya Bank

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]nq`li ]nq`blnf db} T`enpn Mnlk 

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]nq`li ]nq`blnfc db} T`enpn Mnlk

Nxxsowq`blx@d @ ybsfa jntc mccl nxx`ilca qb nlnfpuc $

}cwb}q ]nq`li }nq`blnf bd T`enpn Mnlk nx n

h}ca`q }nq`li Nlnfpxq& qjcl qjc }cwb}q ybsfa

mc nx dbffbyx5

@lq}bashq`bl " Btc}t`cy=770/>7 ynx n pcn} bd oneb} o`fcxqblcx db}

T`enpn Mnlk, Mnlk‐x lcq w}bd`q }bxc qb nl nff/

q`oc j`ij bd ]x,379,=0 H}b}c yj`fc msx`lcxx

tbfsocx h}bxxca ]x,>77777 h}b}c qb }cnhj

]x, >&78&:49 H}b}c, XM wb}qdbf`b nfxb h}bxxca

]x,>7777 H}b}c on}k y`qj n P/b/P i}byqj bd 

=7#, Mnlk nfxb hblq`lsca qb xjby`ow}btca wc}db}onlhc `l qjc xwjc}c bd 

hb}c cn}l`lix,

A}`tcl mp =:,:8 # i}byqj `l Lcq @lqc}cxq

@lhboc& bwc}nq`li w}bd`q db} qjc dsff pcn}

`lh}cnxca qb ]x, >739 H}b}chbown}ca qb

]x,:00 H}b}c db} w}ct`bsx d`lnlh`nf, Mnlk)x

lcq w}bd`q bd ]x,379 H}b}c ynx n}}`tca nq

ndqc} }chkbl`li w}bt`x`bl db} ynic n}}cn}x

bd ]x,>>1 h}b}c& w}bt`x`bl db} cowfbpccmclcd`qx qb qjc qslc bd ]x,>:= H}b}c&

w}bt`x`bl db} qnzcx bd ]x,>01 H}b}c nla

w}bt`x`bl db} lbl wc}db}o`li natnlhcx qb

qjc qslc bd ]x,191 H}b}c, Slac}

w}bd`qnm`f`qp& ]cqs}l bl Nxxcqx db} qjc pcn}

yb}kca bsq qb 7,94# yj`fc Lcq @lqc}cxq

On}i`l *L@O xqbba nq =,31#,

@lqc}cxq bl natnlhcx db} qjc pcn} }chb}aca

n i}byqj bd 7,=8#& y`qj nl P`cfa bl

Natnlhcx bd >7,=4#, @lqc}cxq czwclxcx db}

qjc pcn} yc}c hblqn`lca nq ]x,893= H}b}c&

qjnlkx qb n :,9:# achf`lc `l `lqc}cxq wn`a

bl acwbx`qx, Bwc}nq`li czwclxcx }chb}aca n

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qb naa`q`blnf w}bt`x`bl`li qbyn}ax ynic

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bd Cowfbpcc mclcd`qx slac} NX/>3 bd ]x,:7

H}b}c,

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bd qjc Mnlk xqbba nq >=,37# *Mnxcf @@ y`qj

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bd >,17# nx nq On}hj 8>& =7>7,

Db} qjc xqnla nfblc dbs}qj ~sn}qc}& Mnlk

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H}b}c& hbown}ca qb ]x,8>8,1: H}b}c db} qjc

hb}}cxwbla`li ~sn}qc}& }chb}a`li n 7,=:#

i}byqj, ^1 Lcq @lqc}cxq @lhboc i}cy ~/b/~

mp =>#& y`qj L@O `ow}btca qb =,98# t`x/n/

t`x =,=0# db} qjc hb}}cxwbla`li ~sn}qc} fnxq

pcn}, Lcq W}bd`q db} qjc ~sn}qc} xqbba nq

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yj`fc ]BN `x 7,98# nx nin`lxq 7,4:#,

Mnlkx W}bd`fcT`enpn Mnlk jnx qjc j`ijcxq lsomc} bd 

m}nlhjcx `l `qx jboc xqnqc Kn}lnqnkn,

As}`li qjc d`lnlh`nf Pcn} =770/>7& qjc

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Czqclx`bl Hbslqc}x, @l f`lc y`qj qjc

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m}nlhjcx&14 czqclq`bl hbslqc}x& >= xc}t`hc

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nla nq 93: hclqc}x& hbtc}`li >77 # bd Mnlk)x msx`lcxx, ]cnf`x`li pbs} hblxqnlqfp

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bdd`hcx n}c slac} ]QIX " LCDQ, T`enpn Mnlk

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=770nla `x nmbtc qjc ]M@ xq`wsfnqca lb}o

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n obac}nqc 9,40#& $ Q`c} @@ hnw`qnf nq 1,:>#qjc mnlk‐x }`xk w}bd`fc bd cn}l`li nxxcqx nla

xq}bli `lqc}lnf hnw`qnf iclc}nq`bl&

hbom`lca y`qj onlnicoclq‐x dbhsx bl

bwc}nq`blnf cdd`h`clhp,

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on}i`lnffp bl xc~sclq`nf mnx`x, @l nmxbfsqc}

qc}ox& I}bxx LWN ynx sw mp 31# bl p/b/pmnx`x Qjc Lcq LWN `l nmxbfsqc qc}ox jntc

lcn}fp absmfca qb ]x 3:>,:8 h}b}c *sw mp

03# bl p/b/p mnx`x,

I}bxx LWN }nq`b nla Lcq LWN i}cy

xsmxqnlq`nffp nla xqbba nq =,89# $ >,17#

}cxwchq`tcfp asc qb j`ij xf`wwnic y`qlcxxca

as}`li qjc pcn}, Qj`x `lhfsacx blc oneb}

xf`wwnic *O"x XQHF db} ]x =,1ml fclq slac}

hblxb}q`so& yj`hj `x lby dsffp w}bt`aca db},

Qjc mnlk on`lqn`lx LWN hbtc}nic bd 10#

*Czhfsa`li y}`qqcl bdd nhhbslqx nx nin`lxq

30,8# PBP& yj`hj `x n oneb} hblhc}l n}cn,

Jbyctc} w}bt`x`blnf hbtc}nic }nq`b

`lhfsa`li qchjl`hnf y}`qc/bdd‐x xqbba nq

1=,=7#,

Mnlk)x cashnq`bl fbnl wb}qdbf`b bd ]x,383

H}b}c }cdfchqca n p/b/p i}byqj bd =1,>8#&

y`qj lsomc} bd mclcd`h`n}`cx `lh}cnx`li qb

=:193, @ czwchq qjnq qjc czwbxs}c qb

xclx`q`tc xchqb}x slac} hs}}clq on}kcq

hbla`q`blx `x f`kcfp qb nddchq qjc mnlk‐x nxxcq~snf`qp,

W]BD@QNM@F@QPT`enpn Mnlk jnx wbxqca n lcq w}bd`q bd ]x379

h}b}c db} qjc d`xhnf cla`li On}hj =7>7& sw

mp 08,=:# As}`li DP 70/>7& qjc mnlk wbxqca

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]nq`li ]nq`blnf db} T`enpn Mnlk 

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T`enpn Mnlk `x blc bd qjc obxq w}bd`qnmfc

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hblq}`msqca qb `ow}btcoclq `l qjc

w}bd`qnm`f`qp, Qjc mnlk)x qbqnf msx`lcxx ynx

sw mp >3 wc} hclq nq ]x >& 78& :49 h}b}c, Qjc

lcq `lqc}cxq on}i`l db} qjc dsff d`xhnf xqbba

nq =,31 wc} hclq nx nin`lxq =,71 wc} hclq fnxq

pcn}, Lcq `lqc}cxq `lhboc db} qjc pcn} }bxc

mp =:,:8 wc} hclq, A}`tcl mp =:,:8 wc} hclq

i}byqj `l lcq `lqc}cxq `lhboc& bwc}nq`li

w}bd`q db} qjc dsff pcn} `lh}cnxca qb ]x >&739

h}b}c hbown}ca qb ]x :00 h}b}c db} qjc

w}ct`bsx pcn}, Qbqnf acwbx`qx db} qjc pcn}

yc}c sw mp >8,34 wc} hclq qb ]x 4>&08= hb}c

nla i}bxx natnlhcx yclq sw mp >4,:0 wc}

hclq qb ]x 1>&083 h}b}c& jc xn`a, XM

wb}qdbf`b nfxb h}bxxca qjc ]x >7&777/h}b}c

on}k y`qj n pcn}/bl/pcn} i}byqj bd =7 wc}

hclq,

ONLNICOCLQ BD ]@XKQjc Mnlk jnx db}osfnqca n hbow}cjclx`tc

H}ca`q ]`xk Onlnicoclq Wbf`hp nla

hblxq`qsqca tn}`bsx hboo`qqccx xshj nx

H}ca`q ]`xk Onlnicoclq Hboo`qqcc& Mnxcf

@@ Yb}k`li I}bsw cqh, qb naa}cxx jbxq bd 

onlnicoclq qchjl`~scx yj`hj jcfw qjc

Mnlk `l `aclq`dp`li& ocnxs}`li& obl`qb}`li

nla hblq}bff`li bd h}ca`q }`xkx mp qnk`li `lqb

nhhbslq mbqj czqc}lnf nla `lqc}lnf dnhqb}x

nddchq`li qjc h}ca`q }`xk, Qjc Mnlk jnx d`lc/

qslca qjc ]`xk Onlnicoclq Wbf`h`cx $Fcla`li Wbf`hp& qb `lhfsac h}ca`q nww}n`xnf

xqnlan}a f`kc mclhjon}k"js}afc }nq`bx bl

kcp d`lnlh`nf `la`hnqb}x& `lqc}lnf hc`f`lix&

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xqnlan}ax db} fbnl hbffnqc}nf& wb}qdbf`b

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}ct`cy bd j`ij tnfsc mb}}bynmfc nhhbslqx

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mnxca bl }`xk }nq`lix& nla }ct`cy mnxca bl

}`xk }nq`lix cqh& mcx`acx hbtc}`li czwbxs}c

hc`f`li db} xclx`q`tc xchqb}x xshj nx hnw`qnfon}kcq& }cnf cxqnqc nla hbooba`qp xchqb},

N hbow}cjclx`tc ]chbtc}p Wbf`hp bd qjc

Mnlk `x nfxb wsq `l wfnhc nla }ct`xca d}bo

q`oc qb q`oc,

I}bxx H}ca`q }`xk czwbxs}c *czhfsa`li bqjc}

nxxcqx5 Dsla mnxca5 ]x,3:733,08 h}b}c Lbl

dsla mnxca5 ]x, 1>81,8> h}b}c qbqnf5 ]x,

4=>07,=1 h}b}c,

CN]L@LIX NQ ]@XKDb} n >77 mnx`x wb`lq nxxsoca `lh}cnxc `l

`lqc}cxq }nqcx& qjc `ownhq bl L@@ db} n > pcn}

inw jb}`ubl `x ]x,:8,7> h}b}cx

Qjc Mnlk jnx d`zca qjc qbfc}nlhc f`o`q nq

]x,>>7 h}b}c, Jclhc& qjc nmbtc `ownhq bd 

Cn] *:8,7> `x y`qj`l qjc f`o`q,

QCHJLBFBIPQjc Mnlk jnx hjbxcl D`lnhfc d}bo @ldbxpx nx

hclq}nf`uca mnlk`li xbfsq`bl, @l f`lc y`qj

qjc w}ctn`f`li q}clax& qjc mnlk jnx mccl

i`t`li i}cnqc} qj}sxq qbyn}ax qchjlbfbi`hnf

sw i}nanq`bl bd `qx bwc}nq`blx, Qjc mnlk jnx

lcqyb}k bd >>47 m}nlhjcx& 18 Czqclx`bl

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]cnf`u`li pbs} hblxqnlqfp ctbft`li nla

a`tc}xc lccax& qjc mnlk jnx a`tc}x`d`ca qbb,

Clqc}`li xctc}nf lcy n}cnx xshj nx h}ca`q

hn}a& oc}hjnlq mnlk`li& j`}c ws}hjnxc nla

fcnx`li& nla cfchq}bl`h }co`qqnlhc xc}t`hcx,Nff >>3: m}nlhjcx& 14 czqclx`bl hbslqc}x&

>= xc}t`hc m}nlhjcx n}c dslhq`bl`li bl HMX

wfnqdb}o& nla nq 93: hclqc}x& hbtc}`li

>77 # bd Mnlk)x msx`lcxx

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]nq`li ]nq`blnf db} T`enpn Mnlk 

1

X@IL@D@HNLQ ACTCFBWOCLQX39 naa`q`blnf m}nlhjcx nla 9> naa`q`blnf

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qjc m}nlhj nla NQO xq}cliqj qb >>3: nla

181 }cxwchq`tcfp, Fnslhjca lcy

xhjcocx"xc}t`hcx& xshj nx& T/Obm`fcMnlk`li nla T/ IclS QJ Sllnq`& n }chs}}`li

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@Q clnmfca D`lnlh`nf @lhfsx`bl& T`enpn T`knx

Xon}q Hn}a ynx fnslhjca `l 3 Hclq}cx&

`lhfsa`li qjc Mnlk)x qj}cc fcna a`xq}`hqx,

Lcn}fp 1 fnkj hf`clqx bd qjc Mnlk jntc

}ci`xqc}ca slac} XOX nfc}q dnh`f`qp, ]cqn`f

Nxxcqx Hclq}nf`uca W}bhcxx`li Hclq}cx

*]NHWH xq}cliqjclca qbyn}ax i`t`li n

oneb} `owcqsx qb qjc }cqn`f wb}qdbf`b,

]NQ@LI BSQFBBK5

Qjc }nq`li }cdfchqx T`enpn Mnlk bylc}xj`w

xq}shqs}c& *oneb}`qp xqnkc jcfa mp

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Qjc }nq`lix dnhqb}ca qjc ~snf`qp bd }`xk

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hbodb}qnmfc i}byqj `l `lhboc& achf`lc `l

i}bxx LWN& nla nac~snqc hnw`qnf, Jbyctc}&

y`qj qjc hs}}clq hjnli`li chblbo`h

hbla`q`blx& n kcp hjnffclic db} T`enpn Mnlk

as}`li qjc DP >7/>> y`ff mc onlni`li qjc

}`xkx nxxbh`nqca y`qj h}ca`q& on}kcq nla

f`~s`a`qp, T`enpn mnlk‐x j`ij msx`lcxx

hblhclq}nq`bl `l Kn}lnqnkn onp mc n

f`o`q`li dnhqb},