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COVER STORY

KOMPELLA PORTFOLIO INVESTMENT ADVICE3

JANUARY, 2016

NCC : CREATED ENORMOUS WEALTH TO THE INVESTORS SINCE ITS IPO

NCC Ltd. has reported impressive working results (consolidated)forQ2 & H1 ended 30th September, 2015. For the quarter, its TI has decreased by7% from Rs.2,561crs to Rs.2,392crs while the OP has increased by 5% fromRs.193crs to Rs.201crs and Net Profit stood at Rs.41crs against a Net Loss ofRs.3crs over Q2FY15. For the half year, its TI has increased by 1% fromRs.4,372crs to Rs.4,408crs while the OP has increased by 11% from Rs.322crsto Rs.358crs and Net Profit stood at Rs.44crs against Net Loss of Rs.24crs overH1FY15. The company has strong fundamentals. Its Paid-up Capital is small atRs.111crs with a high Networth of Rs.3,479crs. Technically the scrip is movingaround Rs.80/- with a Book Value of Rs.63/-.

In the current year, the company has so far secured orders aggregat-ing Rs.2293 Crore upto September, 2015 and the Order Book stood at Rs.17487Crore as at the end of the quarter. The company received further orders ofRs.2058 crore in October, 2015 taking the total order booking to Rs.4351 crore infirst 7 months period of the current fiscal, with this total order book stands atRs.19,545 crore as at the end of October, 2015.Standalone Financials:

Q2: NCC achieved a TI of Rs.2147.98crs(including other income) for the Q2against Rs.2284.43crs in the corresponding quarter of the previous year. TheCompany has reported EBIDTA of Rs.184.42crs and Net Profit of Rs.54.95crs asagainst Rs.181.47crs and Rs.22.12crs reported respectively in the correspond-ing quarter of previous year by registering a growth of 148% in net profit.H1:The company has reported a turnover of Rs.3922.51crs for H1 againstRs.3819.67crs of corresponding period, EBIDTA of Rs.342.87crs vs Rs.290.45crsand Net Profit of Rs.96.16crs vs Rs.19.09crs for H1 respectively .

DR A V S RAJU,

CHAIRMAN EMERITUS

IPO in 1992 at Rs.10/- for Rs.10/- shareIf an investor invests Rs.1,000/- for 100 shares in 1992and holds them till today, his holding will be 1000 shares(excluding 2 rights issues)of Rs.2/- each valued atRs.78,000/-* - ie., 339% return p.a. on an average as on29.12.2015(Excluding two liberal rights issues - one in1996 and other in 2014). If we take into account therights issues, the %gain will be much higher. Further, wehave not counted the dividends.

Year Is s u e No. of Shares

1992 IPO 1001996 Attractive Rights Issue Not Counted2005 Stock Split from Rs.10/- to Rs.2/- 500

2006 1:1 Bonus 10002014 Rights Issue 7:6 Not Counted

*Note: Market Price of Rs.78/- as on 29.12.2015

Year Dividend per

E q u i t y

Share(Rs.)

Dividend %

* Splitting of Shares of Rs.10/- each into shares

of Rs.2/- each.

1 1990-91 15% 1.502 1991-92 18% 1.803 1992-93 20% 2.004 1993-94 22% 2.205 1994-95 24% 2.406 1995-96 30% 3.007 1996-97 20% 2.008 1997-98 20% 2.009 1998-99 - 010 1999-00 25% 2.5011 2000-01 16% 1.6012 2001-02 22% 2.2013 2002-03 30% 3.0014 2003-04 40% 4.00

15 2004-05 60% 6.0016 2005-06 * 80% 1.6017 2006-07 60% 0.6018 2007-08 65% 0.6519 2008-09 55% 0.5520 2009-10 65% 0.6521 2010-11 50% 0.5022 2011-12 15% 0.1523 2012-13 15% 0.1524 2013-14 15% 0.1525 2014 -15 20% 0.20

Sl.

No.

Excellent Dividend track record

Not only the select sectors such as FMCG, IT, Pharma, MNCs,Private sector Bank etc., have created enormous wealth to the investorsin the long term but even the professionally well managed midcap stockssuch as NCC has also created enormous wealth to the investors since

its IPO in 1992. NCC may be the outstanding performer in the infra-structure sector since its IPO - in multiplying wealth to the investors inthe long term - under the dynamic leadership of Dr. AVS Raju,(the FirstGeneration Entrepreneur) the Founder Chairman of the company, whois a many sided personality.

NCC has entered into the capital market in 1992 (IPO) andissued Rs.10/- paid-up share at par to the investors. In1996, it hasissued liberal Rights Issue on attractive terms. In 2005, it has split thestock from Rs.10/- to Rs.2/- paid-up. In 2006, it has issued 1:1 liberalBonus. In 2014, it has issued Rights Issue again, in the ratio of 7:6 - 7shares for every 6 shares at a premium of Rs.18/- for Rs.2/- - ie., atRs.20/- per share - when the market price was at Rs.80/-. NCC is aninvestor-friendly company. It has paid dividends for 24 years out of 25years. However, the best of NCC is yet to come.

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COVER STORY


JANUARY, 2016

CAN FIN HOMES : CREATED ENORMOUS WEALTH OF 421% P.A.TO THE INVESTORS SINCE IPO

Not only the private sector giants such as MNCs, FMCG, IT,Pharma, Banks etc., have created wealth to the investors in the longterm but even the professionally well managed public sector company- a subsidiary of Canara Bank engaged in the business of Housing

Finance - ie., Can Fin Homes Ltd., has also created enormous wealthto the investors since its IPO in 1989. Can Fin Homes has entered thecapital market (IPO) in 1989 and issued Rs.10/- paid-up share at par tothe investors. In 1992, it has issued attractive Rights issue - partlyconvertible debentures of Rs.250/- each out of which Rs.150/- wasconverted into 10 equity shares of Rs.10/- at a price of Rs.15/- pershare and the balance of Rs.100/- per debenture was the non-convert-ible part. In 2015, it has issued another Rights Issue in the ratio of 3shares for every 10 shares (3:10) at a price of Rs.450/- per share -when the market price was very high. It is an investor-friendly company.It has an uninterrupted dividend track record of 26 years. Under thedynamic leadership of Mr. C. Ilango, MD, Can Fin Homes balance sheethas improved dramatically and its stock price has crossed Rs.1,100/-mark and investors wealth has reached its new high.

MR C ILANGO, MD

Can Fin Homes Ltd. has reported excellent working results for thesecond quarter and half year ended 30thSeptember, 2015. For the quarter its TotalIncome has increased by 33% from Rs.198crs to Rs.263crs while the OperatingProfit has increased by 34% from Rs.178crs to Rs.239crs and Net Profit by 92%from Rs.18crs to Rs.35crs. The EPS for the quarter is Rs.13/-. For the half year,its Total Income has increased by 35% from Rs.374crs to Rs.506crs while theOperating Profit has increased by 36% from Rs.341crs to Rs.463crs and NetProfit by 80% from Rs.37crs to Rs.67crs. The EPS for the half year is Rs.25/-. Thecompany has strong fundamentals. Its Paid-up Capital is small at Rs.27crs with ahigh Networth of Rs.829crs. Technically the scrip is moving around Rs.1095/-with a P/E Ratio of 22 and Book Value of Rs.311/-.Highlights:

Lending Operations - As at Sept. 30, 2015, the loan book stood at Rs 9302.80crore as against Rs 7036.69 crore as at Sept. 30, 2014. The YoY growth inHousing loan book is 32%.Non-Performing Loans - Gross non-performing loans as at Sept. 30, 2015amounted to Rs. 27.44 Crore. This is equivalent to 0.29% of the loan portfolio(corresponding period 0.28%).Net Interest Margins - The Net Interest Income (NII) as at 30th Sept. 2015 isRs.134.96 crore as against Rs.77.25 crore as on 30th Sept. 2014, reflecting anincrease of 75%. Net Interest Margin (NIM) for the quarter year ended Sept. 30,2015 was 3.10%.Capital Adequacy Ratio -The Companys capital adequacy ratio, stood at 17.23%,of which Tier I capital was 14.67% and Tier II capital 2.56%. As per the regulatorynorms the minimum requirement for the capital adequacy ratio is 12%.

Year Dividend%

Uninterrupted Dividend Track record duringthe last 26 years

1989-90 101990-91 12.501991-92 161992-93 161993-94 181994-95 201995-96 201996-97 201997-98 221998-99 221999-00 232000-01 232001-02 252002-03 252003-04 252004-05 25

2005-06 252006-07 252007-08 252008-09 202009-10 202010-11 252011-12 25+ 5 *2012-13 402013-14 652014-15 70

* Silver Jubilee year of the Company

IPO in 1989 at Rs.10/- for Rs.10/- shareIf an investor invests Rs.1,000/- for 100 shares in 1989and holds them till today, his holding will be 100 shares(excluding 2 attractive rights issues)of Rs.10/- each val-ued at Rs.1,09,500/-* - ie., 421% return p.a. on an aver-age as on 29.12.2015(Excluding two liberal rights issues- one in 1992 and other in 2015). If we take into accountthe rights issues also, the %gain will be much higher.Further, we have not counted the dividends.

Year Is s ue No. of Shares

1989 IPO at par(Rs.10/-) 1001992 Rights Issue at Rs.15/- Not Counted2015 3:10 Rights Issue at Rs.450/- Not Counted

*Note: Market Price of Rs.1,095/- as on 29.12.2015

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BANKING


JANUARY, 2016

SYNDICATE BANK : FURTHER PROGRESS

Key Highlights:

Global Business increased from Rs.415690crs as

at Q2, FY 2014-15 to Rs.471900crs as at Q2, FY2015-16 (up 14% y-o-y). Domestic Business increased from Rs.354156crsas at Q2, FY 2014-15 to Rs.390747crs as at Q2, FY2015-16 (up 10% y-o-y). Global Deposits increased from Rs.239215crs asat Q2, FY 2014-15 to Rs.263722crs as at Q2, FY2015-16 (up 10% y-o-y). Domestic Deposits increased from Rs.213492crsas at Q2, FY 2014-15 to Rs.228619crs as at Q2, FY2015-16 (up 7% y-o-y). Global Advances increased from Rs.176475crsas at Q2, FY 2014-15 to Rs.208178crs as at Q2, FY2015-16 (up 18% y-o-y). Domestic Advances increased from Rs.140664crsas at Q2, FY 2014-15 to Rs.162128crs as at Q2, FY2015-16 (up 15% y-o-y). Domestic CASA deposits increased fromRs.63778crs as at Q2, FY 2014-15 to Rs.72462crsas at Q2, FY 2015-16 (up 14% y-o-y). DomesticCASA deposits stood at 31.70% of total domesticdeposits as at 30.09.2015. Savings Bank deposits increased fromRs.43496crs as at 30.09.2014 to Rs.49579crs as at30.09.2015 (up 14% y-o-y). Operating Profit increased to Rs.1225crs in Q2, FY2015-16 as against Rs.954crs in Q2, FY 2014-15(up 28% y-o-y). Net Profit increased to Rs.332crs in Q2, FY 2015-

16 as against Rs.316crs in Q2, FY 2014-15 (up 5 %y-o-y). Gross NPA ratio stood at 3.72% in Q2, FY 2015-16as against 3.43 % in Q2, FY 2014-15. Net NPA ratio stood at 2.37% in Q2, FY 2015-16 asagainst 2.20% in Q2, FY 2014-15. Provision Coverage Ratio stood at 63.37% in Q2,FY 2015-16 as against 65.38% in Q2, FY 2014-15. Cost to income ratio stood at 50.88% in Q2, FY2015-16 as against 48.71% in Q2, FY 2014-15. Book value per share increased from Rs.197.16 inQ2, FY 2014-15 to Rs.207.18 in Q2, FY 2015-16. Global Net Interest margin (NIM) stood at 2.46% inQ2, FY 2015-16 as against 2.57% in Q2, FY 2014-15.

MR ARUN SHRIVASTAVA

MANAGING DIRECTOR & CEO

Domestic Net Interest margin (NIM) stood at 2.88% in Q2, FY 2015-16 as against2.96% in Q2, FY 2014-15. The yield on advances stood at 9.02% in Q2, FY 2015-16 as against 9.63% in Q2,FY 2014-15. Net Interest Income increased from Rs.1428 in Q2, FY 2014-15 to Rs.1595crs in Q2,FY 2015-16 (up 12% y-o-y). Return on Assets (RoA) (Annualised) stood at 0.45% in Q2, FY 2015-16 as against0.50% in Q2, FY 2014-15. Earnings per Share (EPS) (Annualised) stood at Rs.19.15 in Q2, FY 2015-16 asagainst Rs. 25.65 in Q2, FY 2014-15. Capital Adequacy Ratio (Basel III) stood at 10.46% as at 30.09.2015 as against10.42% as at 30.09.2014.PRIORITY SECTOR CREDIT ACHIEVEMENTS

FH (in crs) 30.09.15 30.09.14 %CH 30.09.15 30.09.14 % CH 31.03.15

(3 M) (3 M) (6 M) (6 M) (12 M)

Capital 662.06 624.58 6.00 662.06 624.58 6.00 662.06

R&S 13054.34 11689.85 11.67 13054.34 11689.85 11.67 11478.24

Networth 13716.40 12314.43 11.38 13716.40 12314.43 11.38 12140.30

Return on Nw 2.42 2.56 -5.47 4.62 6.50 -28.92 12.54B.V.(Rs.) 207.18 197.16 5.08 207.18 197.16 5.08 183.37

F.V. 10.00 10.00 - 10.00 10.00 - 10.00

T.I. 6670.19 5680.96 17.41 12993.61 11204.04 15.97 23724.75

O.P. 1225.30 953.87 28.46 2264.78 1967.76 15.09 4007.29

P & C 680.29 537.81 26.49 1061.04 1005.62 5.51 2011.33

PBT 545.01 416.06 30.99 1203.74 962.14 25.11 1995.96

Tax 212.64 100.46 111.67 569.39 161.12 253.39 473.03

PAT 332.37 315.60 5.31 634.35 801.02 -20.81 1522.93

EPS(Rs.) 5.02 5.05 -0.59 9.58 12.82 -25.27 23.00

DPS(Rs.)

MP (Rs.) 86.70 86.70

P/E Ratio 4.32 4.53

PAT margin 4.98 5.56 -10.43 4.88 7.15 -31.75 6.42

OP margin 18.37 16.79 9.41 17.43 17.56 -0.74 16.89

% GNPAs 3.72 3.43 3.72 3.43 3.13

% NNPAs 2.37 2.20 2.37 2.20 1.90

Syndicate Bank has reported improved working results forthe second quarter and half year ended 30 th September, 2015. Forthe quarter its Total Income has increased by 17% from Rs.5681crs

to Rs.6670crs while the Operating Profit has increased by 28% fromRs.954crs to Rs.1225crs and Net Profit by 5% from Rs.316crs toRs.332crs. The EPS for the quarter is Rs.5/-. For the half year, itsTotal Income has increased by 16% from Rs.11204crs to Rs.12994crswhile the Operating Profit has increased by 15% from Rs.1968crs toRs.2265crs. The EPS for the half year is Rs.10/-. The bank has strongfundamentals. Its Paid-up Capital is small at Rs.662crs with a highNetworth of Rs.12140crs. Technically the scrip is moving aroundRs.90/- with a low P/E Ratio of 5 and high Book Value of Rs.183/-.

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BANKING


JANUARY, 2016

Priority Sector Credit increased by 16.08% from Rs.50810.09crs asat 30.09.2014 to Rs.58979.78crs as at 30.09.2015 forming 36.39%of ANBC. Total Agricultural Credit increased by 8.56% from Rs.22955.78crsas at 30.09.2014 to Rs.24919.94crs as at 30.09.2015, forming 15.37%of ANBC. Credit to Micro, and Small Enterprises (MSE) increased by 25.64%

from Rs.16367.69crs as at 30.09.2014 to Rs.20563.99crs as at30.09.2015. Credit to Weaker Section increased from Rs.14312.56crs as at30.09.2014 to Rs.17401.28crs as at 30.09.2015, forming 10.74% ofANBC. Credit to Minority Community increased from Rs.8017.21crs as at30.09.2014 to Rs.9425.31crs as at 30.09.2015, forming 15.98% ofPriority Sector Credit. To assist the farmers in taking up timely agricultural operations andincrease crop production, credit assistance of Rs.7405.30crs hasbeen extended by issuing 7.04 lakhs Syndicate Kisan Credit Cardsas on 30.09.2015. For the rural households, 31191 General Purpose Credit Cards(GCCs) have been issued amounting to Rs.52.66crs.MSME

The total outstanding advances to MSME Sector grew by 27.38 %from Rs.20143crs as at 30.09.2014 to Rs.25658crs as at 30.09.2015.RETAIL CREDIT The total outstanding advances under Retail Credit portfolio grewby 20.06% from Rs.20290.39crs as at 30.09.2014 to Rs.24360.18crsas at 30.09.2015.RECOVERY During Q2, FY 2015-16 upgradation of NPAs for Rs.523.44crs andRecoveries of Rs.638.66crs have been made, which includes cashrecovery of Rs. 123.58crs in prudentially written Off Accounts. To accelerate recovery performance under NPA, during the currentfinancial year two Bruhat Synd Adalats were conducted. Bank hasmobilized 37058 proposals involving one time settlement amount ofRs.352.53crs.

BRANCH EXPANSION Bank has opened 50 branches during Q2, FY 2015-16 taking totalnumber of branches to 3565 as on 30.09.15 (including a branch inLondon) comprising of 1174 Rural, 945 Semi Urban, 781 Urban and664 Metro branches. Bank has presence in all the States and 6 UnionTerritories of the country.HUMAN RESOURCE INITIATIVESBank has recruited 1470 Probationary Officers and 1663 Clerksduring the current year.Bank has also recruited 284 Specialist in the field of TreasuryManagement, Credit, Risk Management, IT related services & HRMetc.REGIONAL RURAL BANKSBank sponsored 3 RRBs- Prathama Bank, Karnataka Vikas GrameenaBank and Andhra Pragathi Grameena Bank having a branch network

of 1391. All three RRBs are profit making and have a total business ofRs.45753crs.SLBC CONVENERSyndicate Bank is convener of SLBC in Karnataka State and UnionTerritory of Lakshadweep and is taking proactive steps forimplementation of Government directives.DIRECT BENEFIT TRANSFER (LPG)During the period 15.11.2014 to 30.09.2015 under re-launched DBTL,117.83 lakh credits have been received by Bank with benefitamounting to Rs.290.50crs credited to beneficiaries accounts. DuringQ2 FY 2015-16, 41.90 lakh credits have been received with benefitamounting to Rs.76.87crore credited to beneficiaries accounts.INFORMATION TECHNOLOGYBank has added 165 new ATMs during Q2, FY 2015-16, taking total

number of ATMs to 3592.

Bank has issued 7.65 lakh new VISA/Maestro/Rupay/Rupay KisanDebit Cards and 1437 Credit Cards during Q2 FY 2015-16. Overall154.08 lakh Debit Cards have been issued of which 118.25 Lakh areactive cards. Credit Card base has increased to 63440 of which29802 are active cards.Bank has installed 2137 POS Terminals up to 30.09.2015.CAPITAL

Bank has raised Rs.1000crs Basel III Compliant Tier II bonds in Sept2015CORPORATE INITIATIVES To augment substantial business under Retail Credit Portfolio, Bankconducted three Retail and MSME Campaigns during the period from21.05.2015 to 30.05.2015, 22.06.2015 to 25.06.2015 and 01.08.2015to 30.09.2015. During the Campaign period, Bank has mobilized 7373Car loans amounting to Rs.419.77crs and 8250 Housing Loansamounting to Rs.1173.99 crore. Credit linked Subsidy Scheme Pradhan Mantri Awas Yojana(PMAY) under Housing for All Mission for Urban Poor has beenimplemented with effect from 17.06.2015 and will be effective up to31.03.2022. To maximize the Aadhaar seeding of Pensioners accounts foreffective implementation of Jeevanpramaan scheme (which

facilitates an additional option to the pensioners to submit LifeCertificate online-Digital Life Certificate), Bank has launchedPensioners Mela / Campaign for Aadhaar Seeding from 01.08.2015to 14.08.2015. The campaign proved to be successful bringingremarkable increase in pensioners accounts.Bank has organized MURDA credit campaign from 01.09.2015 to02.10.2015. During the campaign period branches have sanctioned109716 loans amounting to Rs.424.93crs, of which 98005 accountsamounting to Rs.110.30 crore is Shishu loans. Each branch hassanctioned approximately 28 loans as against target of 25 loansgiven by Ministry of Finance.Bank has launched Synd MUDRA Card for meeting the workingcapital need of the borrowers of MFIs who are pursuing productiveventures. This card can be operated through a ATM Debit Card hosted

on RuPay platform. During the period from 08.04.2015 to 30.09.2015Bank has sanctioned 2.14 lakh accounts amounting to Rs.1348.98crsand disbursed Rs.1165.63crs. In order to take forward the Make in India mission of the Government,Bank has launched a new lending product Skill Loan Scheme from18.08.2015 in line with existing IBA Model Education Loan Schemefor Vocational Courses. Skill development courses are aligned toNational Occupations Standards and Qualification Packs and leadingto a certificate/diploma/degree by the Training Institutes as per NationalSkill Qualification Framework (NSQF). The loan amount sanctionedunder the scheme will range from Rs.5000 to Rs.1,50,000. Nocollateral security is required. Bank has made Online Grievance Redressal System live from18.08.2015. The online grievance system provides for onlineregistration of grievance through banks website. The online grievance

system provides access to the customers for recording the complaint,compliant status tracking and receiving response from the bank. Bank has launched Education Loan Campaign from 06.07.2015 to31.12.2015 to increase the disbursement by 25% under the educationloan scheme. During the campaign 7013 accounts were addedamounting to Rs.317 crore.Future PlansBank has taken shareholders approval to raise equity capital up toRs.2000crs to augment its capital base by way of Qualified InstitutionalPlacement (QIP) Issue, Rights Issue, follow on Public Issue or anyother mode approved by Government of India or Reserve Bank ofIndia to comply with Basel-III norms and cater to its growing business.Bank has planned to recruit 2400 Probationary Officers, 500Specialist Officers and 1850 clerks during the Current Year 2015-16.

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(Monthly Magazine)

KOMPELLA PORTFOLIO

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BANKING


JANUARY, 2016

UNION BANK OF INDIA: NET PROFIT UP BY 77%

Key Highlights:

Global Business up 7.4% (y-o-y) to Rs. 584687crore as on September 30, 2015Savings deposit grew at 8.9% while share of highcost deposits declined to 2.2% (Sept 2015) from10.1% (Sept 2014). Advances to productive sectors of economy, i.e.retail, agriculture, and MSMEs, which are called asRAM sectors, grew by 10.2%. RAM sectors nowcontribute more than 51% of domestic loan book Non-interest Income for the quarter (Q2/FY16) up18.2% compared to a year ago. Operating expenses growth during Q2/FY16contained at 0.6% Net Profit for Q2/ FY16 increased to Rs. 658 crorefrom Rs. 371 crore in Q2/FY15. Return on average assets for Q2/FY16 increasedto 0.68%, up by 13 bps over 0.55% in Q1/FY16.Return on Equity for Q2/FY16 also increased to12.80% from 11.02% in Q1/FY16. Capital Adequacy Ratio (Basel III) stood at10.26%(excluding quarterly/half yearly profit). Tier ICRAR is 7.67%, within which CET1 is 7.42%.BusinessGlobal Business grew by 7.4% from Rs. 544576

crore as on September 30, 2014 to Rs. 584687 croreas on September 30, 2015. Global Deposits increasedfrom Rs. 300165 crore as on September 30, 2014 toRs. 330665 crore as September 30, 2015, registeringa growth of 10.2%. Domestic Deposits increased by10.0% from Rs. 295361 crore as on September 30,2014 to Rs. 324966 crore as on September 30, 2015.CASA deposits grew by 9.5% to Rs. 94413 crore ason September 30, 2015 from Rs. 86189 crore in theprevious year. CASA share in total deposits standsat 28.6%. Domestic CASA ratio stood at 29.0%.Savings bank deposits increased by 8.9% over ayear ago. A total of 32.3 lakh CASA accounts wereopened during the year. During the quarter, 7.7 lakh

MR ARUN TIWARI , CMD

dormant SB accounts were activated. Share of high cost deposits in total depositsdeclined from 10.1% in September 2014 to 5.4% in June 2015 and further to 2.2% inSeptember 2015 Global Advances increased from Rs. 244411 crore as on September30, 2014 to Rs. 254022 crore as on September 30, 2015 recording a growth rate of3.9%. Domestic Advances increased by 1.4% from Rs. 226011 crore as on September30, 2014 to Rs. 229226 crore as on September 30, 2015. Advances to RAM sectors,grew by 10.2%, from Rs. 106459 crore as on September 30, 2014 to Rs. 117336crore as on September 30, 2015. Overseas Business grew by 30.9% from Rs. 23204crore as on September 30, 2014 to Rs. 30382 crore as on September 30, 2015.Financial Performance for the quarter ended September 2015Domestic Net Interest Margin (NIM) stood at 2.42% for July-September 2015 as against

2.60% for July-September 2014. Global NIM for July-September 2015 noted at 2.34%as against 2.53% for July-September 2014 quarter. Net Interest Income for July-September 2015 up by 0.8% to Rs. 2102 crore from Rs. 2085 crore in July-September2014.Non Interest Income for July-September 2015 stood at Rs. 960 crore, up 18.2% overa year ago. Growth in Operating expenses during July-September 2015 was containedat 0.6%. Within overall opex, non-employee expenses declined by 2.0%. Net Profit forJuly-September 2015 increased to Rs. 658 crore from Rs 371 crore in July-September2014. Return on average assets (annualised) stood at 0.68% for July-September2015 as against 0.42% for July-September 2014 and 0.55% for April-June 2015.Yield on funds stood at 8.43% for July-September 2015 as against 9.09% for July-September 2014 and 8.70% for April-June 2015. Yield on investments stood 7.33%for July-September 2015 as against 7.68% for July-September 2014 and 7.78% forApril-June 2015. Return on equity (annualised) stood at 12.80% in July-September

FH (in crs) 30.09.15 30.09.14 %CH 30.09.15 30.09.14 % CH 31.03.15

(3 M) (3 M) (6 M) (6 M) (12 M)

Capital 687.44 635.78 8.13 687.44 635.78 8.13 635.78

R&S 21315.99 18860.48 13.02 21315.99 18860.48 13.02 17701.54Networth 22003.43 19496.26 12.86 22003.43 19496.26 12.86 18337.32

Return on Nw 2.99 1.90 57.37 5.35 5.31 0.75 9.72

B.V.(Rs.) 320.08 306.65 4.38 320.08 306.65 4.38 288.42

F.V. 10.00 10.00 - 10.00 10.00 - 10.00

T.I. 9100.90 8754.69 3.95 18144.07 17302.25 4.87 35606.96

O.P. 1490.07 1333.91 11.71 2978.26 2705.84 10.07 5823.47

P & C 432.51 785.41 -44.93 1074.92 1178.23 -8.77 3040.09

PBT 978.16 548.50 78.33 1823.94 1527.61 19.40 2783.38

Tax 320.00 177.16 80.63 647.00 492.16 31.46 1001.74

PAT 658.16 371.34 77.24 1176.94 1035.45 13.66 1781.64

EPS(Rs.) 9.57 5.84 63.87 17.12 16.29 5.10 6.91

DPS(Rs.)

MP (Rs.) 151.35 151.35

P/E Ratio 4.42

PAT margin 7.23 4.24 70.52 6.49 5.98 8.53 1.85

OP margin 16.37 15.24 7.41 16.41 15.64 4.92 16.89% GNPAs 6.12 4.69 - 6.12 4.69 - 4.96

% NNPAs 3.39 2.71 - 3.39 2.71 - 2.71

Union Bank of India has reported impressive working results forthe second quarter and half year ended 30th September, 2015. For the quar-ter its Total Income has increased by 4% from Rs.8755crs to Rs.9101crswhile the Operating Profit has increased by 12% from Rs.1334crs to

Rs.1490crs and Net Profit by 77% from Rs.371crs to Rs.658crs. The EPSfor the quarter is Rs.10/-. For the half year, its Total Income has increased by5% from Rs.17302crs to Rs.18144crs while the Operating Profit has in-creased by 10% from Rs.2706crs to Rs.2978crs and Net Profit by 14% fromRs.1035crs to Rs.1177crs. The EPS for the half year is Rs.17/-. The bankhas strong fundamentals. Its Paid-up Capital is small at Rs.687crs with ahigh Networth of Rs.22003crs. Technically the scrip is moving aroundRs.150/- with a low P/E Ratio of 4 and high Book Value of Rs.320/-.

7/24/2019 E-edition Jan. 2016

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BANKING


JANUARY, 2016

2015 as against 8.25% in July-September 2014 and 11.02% in April-June 2015. Earnings per share (annualised) stood at Rs. 41.37 inJuly-September 2015 as against Rs. 23.52 in July-September 2014and Rs. 32.64 in April-June 2015.Financial Performance for half Year ended FY 2015-16Domestic Net Interest Margin (NIM) stood at 2.44% in H1 FY 2015-16compared to 2.64% in H1 FY 2014-15. Global NIM for H1 FY 2015-16

was 2.36% as against 2.56% for H1 FY 2014-15. Net Interest Incomefor H1 FY 2015-16 up by 0.7% to Rs.4232 crore from Rs. 4202 crorein H1 FY 2014-15. Non Interest Income for H1 FY 2015-16 stood atRs. 1743 crore, up by 16.0%. Operating expenses declined by 0.1%in H1 FY 2015-16. Net Profit for H1 FY 2015-16 stood at Rs. 1177crore, up 13.6% from Rs. 1036 crore in H1 FY 2014-15. Return onaverage assets (annualised) stood at 0.61% for H1 FY 2015-16 asagainst 0.60% for H1 FY 2014-15. Yield on funds stood at 8.57% forH1 FY 2015-16 as against 9.10% for H1 FY 2014-15.Yield on investments stood at 7.58% for H1 FY 2015-16 as against7.76% for H1 FY 2014-15. Return on equity (annualised) stood at11.44% in H1 FY 2015-16 as against 11.50% H1 FY 2014-15. Earningsper share (annualised) stood at Rs. 37.00 in H1 FY 2015-16 asagainst Rs. 32.83 in H1 FY 2014-15.

Asset QualitySlippages have come down to Rs. 1931 crore in Q2/F16 from Rs.1968 crore in Q2/FY15. Gross NPAs stood at 6.12% as on September30, 2015 as against 5.53% as on June 30, 2015 and 4.69% as onSeptember 30, 2014. Net NPA ratio stood at 3.39% as on September30, 2015 as against 3.08% as on June 30, 2015 and 2.71% as onSeptember 30, 2014. Provision Coverage Ratio stood at 57.85% ason September 30, 2015 as against 58.05% as on June 30, 2015. Itwas 57.97% as on September 30, 2014.Capital AdequacyCapital Adequacy ratio of the Bank under Basel III is 10.26% as onSeptember 30, 2015. It does not include net profit of H1/FY 2016. TheTier I CRAR is 7.67% within which Common Equity Tier 1 is 7.42%

compared to regulatory minimum of 5.50%. The Bank has allotted, onpreferential basis, 5,56,62,281 equity shares to the Government ofIndia at an issue price of Rs 209.05 per share. On account of thispreferential issue to the Government of India, the Banks equity capitalincreased by Rs. 1080 crore. Consequently, the Governmentsshareholding in the Bank increased from 60.47% to 63.44%.Digital Initiatives

Digital channels presently account for 63% of overall transactions,which is one of the best among Public Sector Banks. The Bank hasa strong digital proposition with about 7000 ATMs, Call Centre workingin 9 languages 24x7, Internet Banking, Mobile Banking, POS Terminals,Debit, Credit Cards and also Tabulous banking facility. Our aim is toscale-up transactions through digital channels to 75% over coupleof years. We are taking several initiatives with this vision. Forexample, Bank recently launched fully self-service digital branches,namely UNION 24x7 COMFORT Lobby. Presently, we have 44 suchdigital branches in 17 cities and this will be scaled up to 100 by theend of this financial year according to the bank.Other digital initiatives launched during the quarter include: IMPS through branches for Retail and Corporate customers firstBank to do so.

Mobile Passbook (M Passbook) Missed call facility for Mobile Banking and Account balance SMS based value added services Business Debit Card U-Secure Credit Card Signature Credit CardOnline fee collection for 11 lakh students of 1104 Kendriya Vidyalayaschools pan India, which was started on a pilot basis at specificcenters, has now been rolled out this quarter for all KendriyaVidyalaya schools. This facility enables the students/parents to payfees online on 24x7 basis with the comfort of anytime, anywhere,without visiting Bank branches.

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 4 0

1 4 5

1 5 0

1 5 5

1 6 0

1 6 5

1 7 0

1 7 5

1 8 0

1 8 5

S O N D

7/24/2019 E-edition Jan. 2016

10/60

BANKING


JANUARY, 2016

VIJAYA BANK : OPERATING PROFIT UP BY 33%

Highlights:

Advances up by 10.80%Net interest income up by 19.67%Other income up by 14.18%Operating Profit up by 30.35%Provision Coverage Ratio at 58.28%CRAR (Basel III) at 10.83%Business (Y-o-Y)

Total business for the period ended Sept. 30th, 2015registered a growth of 4.25% and increased toRs.210312crs from Rs.201739crs as of 30th Sept.,2014.Deposits increased from Rs. 123199crs as on 30thSept., 2014 to Rs.123286crs as on 30th Sept., 2015.CASA has increased from Rs.23348crs as of30.09.2014 to Rs.25311crs as of 30.09.15, up by8.41%. The percentage of CASA deposits alsoimproved to 20.53% from 18.95%.Advances increased to Rs. 87026crs as on 30thSept. 2015 from Rs.78540crs as on 30th Sept., 2014,up by 10.80%.Credit Deposit ratio has improved from 63.75% asof 30.09.2014 to 70.59% as of 30.09.2015.AdvancesPriority Sector portfolio increased by 25.72% ie,from Rs.26482crs as of 30.09.2014 to Rs.33293crsas of 30.09.2015.Agriculture advances increased by 16.09% toRs.12502crs as of 30.09.2015 from Rs.10769 as of30.09.2014.Total Retail advances increased to Rs.20747crs asof 30.09.2015 from Rs.16974crs as of 30.09.2014up by 22.23%. Retail advances are 23.84% of totaladvances.Advances to Weaker Section increased by 44.83%and Advances to Women beneficiaries increasedby 25.87%.

IncomeQ2:Net Interest Income for 3 months ended Sept. 2015increased to Rs.692.55crs from Rs.578.70crs forthe corresponding period of previous year, up by19.67%Other income of the Bank increased fromRs.169.85crs for the quarter ended Sept., 2014 toRs.193.93crs for the quarter ended Sept., 2015, upby 14.18%H1 (6 months):Net Interest Income for 6 months ended Sept. 2015increased to Rs.1354.78crs from Rs.1114.18crs forthe corresponding period of previous year, up by21.59 %

MR KISHORE KUMAR SANSI, MD & CEO

Other income of the Bank for the Half Year ended Sept., 2015 increased by 16.75%from Rs.336.05crs for Half Year ended Sept., 2014 to Rs.392.33crs.Asset QualityBanks Gross NPA ratio as on 30.09.2015 is 3.98%.Net NPA ratio of the Bank as on as on 30.09.2015 is 2.84%.Provision coverage ratio of the Bank is at 58.28% as on 30.09.2015.Capital AdequacyCapital to risk weighted assets ratio is at 10.83% (Basel III) with Tier I ratio at 7.91%and Tier II ratio at 2.92%.CRAR of the bank is above the RBI minimum stipulated level of 9%.Branch NetworkTotal number of Branches increased to 1755 as on 30.09.2015.Total number of ATMs as on 30.09.2015 stood at 1496.Human ResourcesTotal staff strength as on 30.09.2015 stood at 14777.

FH (in crs) 30.09.15 30.09.14 %CH 30.09.15 30.09.14 % CH 31.03.15

(3 M) (3 M) (6 M) (6 M) (12 M)

Capital 859.12 859.12 - 859.12 859.12 - 859.12

R&S 5552.93 5327.78 4.23 5552.93 5327.78 4.23 5064.12

Networth 6412.05 6186.90 3.64 6412.05 6186.90 3.64 5923.24

Return on Nw 1.80 2.32 -22.41 4.02 4.93 -18.46 7.42

B.V.(Rs.) 74.64 72.01 3.65 74.64 72.01 3.65 68.95

F.V. 10.00 10.00 - 10.00 10.00 - 10.00T.I. 3202.89 3253.75 -1.56 6491.94 6443.70 0.75 13152.49

O.P. 399.01 306.10 30.35 791.76 596.15 32.81 1259.03

P & C 273.47 151.72 80.25 419.85 245.24 71.20 859.13

PBT 125.54 154.38 -18.68 371.91 350.91 5.98 399.90

Tax 10.25 10.63 -3.57 114.03 45.70 149.52 -39.51

PAT 115.29 143.75 -19.80 257.88 305.21 -15.51 439.41

EPS(Rs.) 1.34 1.67 -19.67 3.00 3.55 -15.49 5.11

DPS(Rs.)

MP (Rs.) 34.05 34.05

P/E Ratio 5.68

PAT margin 3.60 4.42 -18.55 3.97 4.74 -16.24 3.34

OP margin 12.46 9.41 32.41 12.20 9.25 31.89 9.57

% GNPAs 3.98 2.85 - 3.98 2.85 - 2.78

% NNPAs 2.84 1.88 - 2.84 1.88 - 1.92

Vijaya Bank has reported improved working results forthe second quarter and half year ended 30th September, 2015. Forthe quarter its Total Income is at Rs.3203crs while the OperatingProfit is at Rs.399crs and Net Profit at Rs.115crs. For the half year,its Total Income is at Rs.6492crs while the Operating Profit is at

Rs.792crs and Net Profit is at Rs.258crs. Due to higher provisions,the Net Profit is lower. The EPS for the half year is Rs.3/-. The bankhas strong fundamentals. Its Paid-up Capital is small at Rs.859crswith a high Networth of Rs.6412crs. Technically the scrip is movingaround Rs.35/- with a low P/E Ratio of 6 and high BV of Rs.75/-.

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INVESTMENT SCRIPS

KOMPELLA PORTFOLIO INVESTMENT ADVICE JANUARY, 201611

INVESTMENT SCRIPS:

DR.REDDYS LABS : RECOVERING SLOWLY

The following fundamentally strong scrips may be considered forlong term investment at a sharp fall in a technically weak market.

3. INDIAN OIL CORP.

4. SUN PHARMA

1. ANDHRA BANK

2. CADILA HEALTH

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9

2 8 0 0

3 0 0 0

3 2 0 0

3 4 0 0

3 6 0 0

3 8 0 0

4 0 0 0

4 2 0 0

4 4 0 0

S O N D

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CONTENTS

KOMPELLA PORTFOLIO INVESTMENT ADVICE

12

CONTENTS

COVER STORY 3-4

NCC 3

CAN FIN HOMES 4

BANKING 5-10

SYNDICATE BANK 5-6

UNION BANK OF INDIA 8-9

VIJAYA BANK 10

INVESTMENT SCRIPS 11

ANDHRA BANK 11

CADILA HEALTH 11

DR.REDDYS LABS 11

IOCL 11

SUN PHARMA 11

EDITORIAL 13

STOCK VALUATIONS 14-17

FY15 PERFORMANCE 18-21

FUNDAMENTALS

READY REFERENCE 23-33

SEPTEMBER QUARTER

PERFORMANCE 34-38

FIRST HALF PERFORMANCE 39-43

JUNE QUARTER PERFORMANCE 44-48

TECHNICAL ANALYSIS 49

ANDHRA BANK 49

RAJESH EXPORTS 49

INDEX 50

BSE SENSEX 50

NSE NIFTY 50

SPECIAL REPORTS 51-58

BAJAJ FINANCE 51

CIPLA 52JANUARY, 2016

WEALTH CREATORS : SINCE IPO

Not only the select sectors such as FMCG, IT, Pharma, MNCs, Private sector Bank etc., have created enormouswealth to the investors in the long term but even the professionally well managed midcap stocks such as NCC has alsocreated enormous wealth to the investors since its IPO in 1992. NCC may be the outstanding performer in the infrastructuresector since its IPO - in multiplying wealth to the investors in the long term - under the dynamic leadership of Dr. AVS Raju,(theFirst Generation Entrepreneur) the Founder Chairman of the company, who is a many sided personality.

Not only the private sector giants such as MNCs, FMCG, IT, Pharma, Banks etc., have created wealth to theinvestors in the long term but even the professionally well managed public sector company - a subsidiary of Canara Bankengaged in the business of Housing Finance - ie., Can Fin Homes Ltd., has also created enormous wealth to theinvestors since its IPO in 1989.

REGD. OFFICE: PLOT NO. A-31,

KOMPELLA HOUSE, JOURNALIST COLONY,

JUBILEE HILLS, HYDERABAD - 500 033.

PH: 23547687/23547758

e-mail: [email protected]

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GODREJ INDUSTRIES 53

MINDA CORP. 54

MINDTREE 55

MOTHERSON SUMI 56

RAJESH EXPORTS 57

RENAISSANCE JEWELLERY 58

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EDITORIAL

KOMPELLA PORTFOLIO INVESTMENT ADVICE

13

BSE Sensex at 26,079.48 on 29.12.2015

NSE Nif ty at 7,928.95 on 29.12.2015

(Established in 1986 )

KOMPELLA PORTFOLIO

INVESTMENT ADVICE

OWNERS:KOMPELLA FINANCE & INVESTMENT

CONSULTANTS LIMITED

Managing Director & Editor

K. V. Satyanarayana

Wholetime Director

Mrs. K. Radha Kumari

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Printed and Published by Mr. K.V.Satyanarayana on

behalf of KOMPELLA FINANCE & INVESTMENT

CONSULTANTS LTD. Printed at Sri Vani Press,

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Colony, Jubilee Hills, Hyderabad-500 033.

Cover Price : `45

(SINCE 1987) VOL. XXIX NO.1, JANUARY, 2016.

www.investmentadvice.in

WAITING FOR THE DEC. Q RESULTS

JANUARY, 2016

Subscription Rates for Print Edition:

The BSE Sensex has decreased from 26,145.67 on 30.11.2015 to26,079.48 on 29.12.2015 -i.e., decrease of 0.25% in one month. The NSE Nifty has

decreased from 7,935.25 on 30.11.2015 to 7,928.95 on 29.12.2015 -i.e., decreaseof 0.07% in one month. Fall in oil and commodity prices are reducing our import bill.Lower rate of inflation and interest rates may revive the economic growth rate.However, fall in exports and unfavourable south-west monsoon may have negativeimpact on the economy. All eyes are on the IT sector December quarter performanceas IT has been dissappointing during the last five quarters. After two years of rally,the market is stabilizing.Yearly Change:The BSE Sensex has decreased from 27,507.54 on 01.01.2015 to26,079.48 on 29.12.2015 - decreased by 5.19%. The NSE Nifty has decreasedfrom 8,284.00 on 01.01.2015 to 7,928.95 on 29.12.2015 - decreased by 4.29%.

Years India Overseas(Airmail)

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TOP GAINERS DURING 2015

BSE Sensex 27,507.24 26079.48 -5.19NSE Nifty 8284.00 7928.95 -4.293M India 6,505 11,215 72

Aditya Birla Nuvo 1688 2084 23Alembic Pharma 445 706 59Asian Paints 749 880 17ASM Technologies 152 174 15Astra Microwave 118 141 19Bajaj Finance 3500 5986 71Bajaj Finserv 1287 1925 50Bajaj Holdings 1407 1652 17BEML 790 1295 64Biocon 426 507 19Britannia 1832 2978 63

BPCL 654 903 38Can Fin Homes 498 1095 120Ceat 872 1054 21Dabur 232 277 19Emami 793 978 23Essar Oil 108 257 138Finolex Ind. 261 302 16Foseco 1235 1409 14Gillette 3250 4648 43Godrej Consumer 966 1302 35Godrej Ind. 292 388 33Godrej Prop. 255 333 31HDFC Bank 953 1078 13HPCL 551 843 53IDBI 75 90 20Indian Oil 336 430 28

Indusind Bank 812 959 18Jet Airways 420 648 54Lupin 1429 1847 29Maruti 3341 4637 39Rajesh Exports 148 677 357Reliance Ind. 888 1015 14Shipping Corp. 60 94 57SKS Micro 413 494 20SMS Pharma 405(10) 129(1) 219Suryalakshmi Cotton 102 129 26Sutlej Textiles 356 543 53Suven Life 212 269 27Suzlon 15 21 40Tide Water Oil 18,590 28,270 52

COMPANY/ BANK MP (RS.)

(29.12.2015)

MP (RS.)

(01.01.2015)

%

GAIN

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STOCK VALUATIONS


JANUARY, 2016

STOCK VALUATIONSYear ended 31st March, 2015

EPS(Rs.)

Equity

(Rs. crs)

Networth

(Rs. crs)

RoNW

(%)

P/E RatioCompany/ Bank(Face Value)

PBT

(Rs. crs)

BV

(Rs.)

OP

(Rs. crs)

TO/ TI

(Rs. crs)

Note- Figures rounded off, consolidated figures taken wherever possible & Other Income included in profit

PAT

(Rs. crs)MP

(Rs.)21.12.15

P/BV

3M India (10) 11 808 13 1840 154 165 108 96 109.60 10522 717 14.68

Aditya B. Nuvo (10) 130 12868 11 26516 3688 2325 1416 109 18.55 2022 989 2.04

Akzo Nobel (10) 47 919 20 2527 209 275 186 40 34.03 1361 197 6.91

Alembic Pharma (2) 38 885 32 2056 - 359 283 15 44.60 669 47 14.23

Allcargo Log. (2) 25 1793 13 5629 318 317 240 19 18.68 355 142 2.50

Amara Raja Batt (1) 17 1700 24 4230 594 610 411 24 35.58 854 100 8.54

Amrutanjan (2) 3 95 16 167 21 24 15 10 48.20 482 65 7.42

Asian Paints (1) 96 4742 29 14183 1969 2077 1395 15 58.27 874 49 17.84

Astra Mic. (2) 16 290 21 634 85 81 61 7 19.43 136 35 3.89

Aurobindo (1) 29 5156 31 12121 2231 2168 1576 54 15.48 836 177 4.72

Axis Bank (2) 474 44677 16 43844 13385 11057 7358 31 14.26 442 188 2.35

Bajaj Auto (10) 289 10692 26 21612 3849 4085 2814 97 25.67 2490 370 6.73

Bajaj Finance (10) 50 4810 19 5382 3569 1357 898 179 32.79 5870 959 6.12

Bajaj Finserv (5) 80 10961 15 7587 5472 3246 1690 106 18.29 1939 689 2.81

Bajaj Holdings (10) 111 13393 15 524 478 513 2029 182 9.44 1718 1203 1.43

Bank of Baroda (2) 444 38848 9 47366 9915 5421 3398 15 10.60 159 175 0.91

Bank of India (10) 666 26494 6 47853 7488 1795 1709 26 4.54 118 398 0.30

Bharat Forge (2) 47 3444 22 7625 1078 1122 764 33 25.88 854 148 5.77

Biocon (5) 100 3270 15 3090 475 624 497 25 19.40 485 163 2.98

BPCL (10) 723 22549 21 242599 6751 7690 4807 66 13.61 898 312 2.88

Britannia Inds (2) 24 1242 55 7858 719 950 689 57 51.63 2943 104 28.30

Cadila Health (5) 102 4252 27 8651 1468 1446 1151 56 6.93 388 208 1.87

Cairn India (10) 1875 58870 8 14646 5953 5109 4480 24 5.58 134 314 0.43

Can Fin Homes (10) 27 771 11 817 748 137 86 32 32.78 1049 290 3.62

CARE (10) 29 359 38 261 154 197 138 48 26.52 1273 124 10.27

Cera Sanitary (5) 7 352 19 822 102 101 68 52 37.48 1949 271 7.19

Chola Invest. (10) 144 2674 17 3689 666 666 444 31 20.90 648 186 3.48

City Union Bank (1) 60 2696 15 3103 693 521 395 7 13.14 92 45 2.04

Coal India (10) 6316 40353 34 74120 15016 21584 13727 22 14.50 319 64 4.98

Colgate (1) 14 770 73 3982 747 780 559 41 24.44 1002 57 17.58

Container Corp (10) 195 7587 14 6149 991 1318 1055 54 24.06 1299 389 3.34

Cummins India (2) 55 2887 27 4406 655 937 786 28 37.04 1037 104 9.97

CYIENT (5) 56 1844 19 2736 330 446 353 31 15.35 476 164 2.90

Dabur India (1) 176 3354 32 7827 1201 1319 1066 6 46.17 277 19 14.58

DCB Bank (10) 282 1534 12 1588 277 208 191 7 11.14 78 54 1.44

Dewan Hsg (10) 146 4636 13 5982 - 943 621 43 5.37 231 318 0.73

Dr.Reddys Labs (5) 85 11130 20 14819 2629 2816 2218 130 23.15 3009 653 4.61

Emami (1) 23 1231 39 2217 506 592 486 21 46.90 985 54 18.24

Engineers India (5) 168 2632 12 1741 204 477 313 9 24.67 222 78 2.85

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STOCK VALUATIONS


JANUARY, 2016


EPS(Rs.)

Equity

(Rs. crs)

Networth

(Rs. crs)

RoNW

(%)


PBT

(Rs. crs)

BV

(Rs.)

OP

(Rs. crs)

TO/ TI

(Rs. crs)


PAT

(Rs. crs)MP

(Rs.)21.12.15

P/BV

Federal Bank (2) 171 7733 13 8298 1628 1521 1006 12 4.67 56 90 0.62

Force Motors (10) 13 1317 8 2364 66 125 101 77 40.22 3097 999 3.10

GAIL (10) 1268 34023 9 60704 4218 4492 3071 24 14.00 336 268 1.25

G E Shipping (10) 151 7431 10 3438 - 798 748 50 7.54 377 493 0.76

Glaxo Pharma (10) 85 1852 25 3288 602 749 472 56 58.54 3278 219 14.97

Godrej Con. (1) 34 4311 21 8276 1278 1249 907 27 47.67 1287 127 10.13

Godrej Inds (1) 34 3227 12 9231 388 519 402 12 32.00 384 96 4.00

Granules India (1) 20 431 21 1293 156 128 91 4 39.50 158 21 7.52

Grasim Inds (10) 92 23081 8 32847 3581 3443 1744 190 19.52 3708 2512 1.48

Gruh Finance (2) 73 711 29 1060 - 301 204 6 43.00 258 20 12.90

Gujarat Fluro. (1) 11 4180 14 5341 750 826 585 53 10.57 560 380 1.47

HDFC (2) 315 45072 19 48316 10042 10117 8763 56 22.00 1232 286 4.31

HDFC Bank (2) 501 62009 16 57466 17404 15329 10216 41 26.22 1075 247 4.35

Hindustan Zinc (2) 845 43353 19 14788 6775 9570 8178 19 7.79 148 103 1.44

HSIL (2) 14 1323 6 1981 207 134 85 12 24.58 295 183 1.61

HUL (1) 216 4021 109 31972 5091 6320 4363 20 42.60 852 19 44.84

ICICI Bank (2) 1160 80422 14 61267 19720 15820 11175 19 13.58 258 139 1.86

ICRA (10) 10 429 15 322 89 100 65 65 64.45 4189 429 9.76

Idea Cellular (10) 3598 23027 14 31571 5508 4933 3193 9 15.33 138 64 2.16

IDFC (10) 1593 17275 10 9640 7921 2346 1707 11 4.36 48 108 0.44

Indra. Gas (10) 140 2098 21 3681 644 649 438 31 16.42 509 150 3.39

IndusInd Bank (10) 529 10254 17 12096 3098 2709 1794 34 27.97 951 194 4.90

Insecticides Ind (10) 13 293 19 964 97 64 55 43 9.74 419 231 1.81

Inox Wind (10) 222 1392 21 2710 437 389 296 13 28.15 366 63 5.81

ITC (1) 802 31679 31 38835 13174 14362 9663 12 26.42 317 40 7.93

Jamna Auto (10) 40 180 16 1095 63 47 29 7 18.29 128 45 2.84

JK Cement (10) 70 1617 9 3399 296 144 144 21 30.76 646 231 2.80

JK Tyre (2) 45 1401 24 7384 773 486 330 15 7.47 112 62 1.81

JM Financial (1) 78 2438 14 1392 926 517 331 4 9.50 38 31 1.23

JSW Steel (10) 242 22229 8 52972 5968 2539 1797 74 14.14 1046 920 1.14

Jyothy Labs (1) 18 780 16 1515 130 125 121 7 43.29 303 43 7.05

Kajaria Ceram. (2) 16 741 24 2187 298 270 176 22 43.14 949 93 10.20

Kaveri Seed (2) 14 754 40 1161 295 310 301 44 8.02 353 109 3.24

Kotak Mah. Bank (5) 386 22138 14 21423 4756 4550 3045 39 18.10 706 287 2.46

L&T (2) 186 40894 12 92005 8713 7217 4765 51 25.29 1290 440 2.93

LIC Housing (2) 101 7818 18 10669 1973 2102 1386 27 18.07 488 155 3.15

LMW (10) 11 1282 17 2488 211 301 220 195 18.71 3649 1137 3.21

Lupin (2) 90 8874 27 12770 3185 3415 2403 53 34.00 1802 197 9.15

M&M Fin. Ser. (2) 113 5943 15 6021 4003 1400 913 16 15.19 243 105 2.31

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STOCK VALUATIONS


JANUARY, 2016


EPS(Rs.)

Equity

(Rs. crs)

Networth

(Rs. crs)

RoNW

(%)


PBT

(Rs. crs)

BV

(Rs.)

OP

(Rs. crs)

TO/ TI

(Rs. crs)


PAT

(Rs. crs)MP

(Rs.)21.12.15

P/BV

Magma Fincorp (2) 38 1655 11 2354 1424 223 181 9 10.56 95 87 1.09

Marico (1) 65 1825 31 5733 786 822 573 9 51.44 463 28 16.54

Maruti Suzuki (5) 151 20978 18 49971 4243 4868 3711 123 37.72 4639 694 6.68

MCX (10) 51 1202 10 222 62 170 125 25 32.28 807 236 3.42

MindTree (10) 84 2012 27 3562 607 691 536 64 23.09 1478 240 6.16

MM Forgings (10) 12 238 21 503 75 69 51 42 12.31 517 197 2.62

Motherson Sumi (1) 88 3314 26 35032 2282 1817 862 10 28.60 286 38 7.53

Nandan Denim (10) 46 259 20 1097 106 71 51 11 13.91 153 57 2.68

NMDC (1) 396 32257 20 12365 7593 9747 6401 16 5.69 91 81 1.12

NTPC (10) 8245 82094 12 80622 11948 10456 9986 12 11.33 136 100 1.36

Oberoi Realty (10) 328 4634 7 923 473 498 317 10 25.80 258 141 1.83

ONGC (5) 4278 178916 10 160895 24305 27370 18334 21 10.95 230 209 1.10

Page Inds (10) 11 387 51 1543 301 293 196 176 73.60 12953 347 37.33

Persistent Sys. (10) 80 1406 21 1891 296 390 291 36 18.47 665 176 3.78

P C Jeweller (10) 179 1990 19 6349 701 539 378 21 19.76 415 111 3.74

Pennar Inds. (5) 60 402 9 1446 118 67 36 3 18.00 54 33 1.64

P I Industries (1) 14 896 27 1940 323 355 246 18 34.89 628 66 9.52

PNB (2) 371 34496 9 52206 11955 3957 3062 17 7.24 123 186 0.66

Power Grid (10) 5232 38439 13 17659 9906 6399 5046 10 13.90 139 73 1.90REC (10) 987 25073 21 20384 7386 7552 5344 54 4.17 225 254 0.89

Reliance Cap (10) 253 13324 8 8787 3799 1231 1001 40 10.20 408 527 0.77

Reliance Infra (10) 263 26172 7 17198 2078 1384 1800 68 6.69 455 68 6.69

RIL (10) 3236 217948 11 375435 25817 30996 23566 73 13.59 992 674 1.47

SAIL (10) 4131 43588 5 45844 2859 2393 2118 5 9.60 48 106 0.45

SBI (1) 747 128438 10 174973 38914 19314 13102 18 12.78 230 172 1.34

Shilpi Cable (10) 103 519 31 3213 252 178 160 16 4.06 65 51 1.27

Shriram City (10) 66 4216 14 3562 2172 867 571 87 18.94 1648 642 2.57

Shriram Trans. (10) 227 9266 11 9177 6322 1650 1028 45 18.73 843 408 2.07

Sintex Inds. (1) 42 4698 11 7035 950 713 529 12 8.33 100 111 0.90

Skipper (1) 10 320 28 1313 193 137 89 9 18.44 166 31 5.35

SKS Microfin. (10) 126 1046 18 724 394 194 188 15 32.67 490 83 5.90

SML Isuzu (10) 14 303 12 1106 46 49 37 26 47.85 1244 209 5.95

SMS Pharma (10) 8 259 14 579 69 67 35 42 2.98 125 306 0.41

Sonata Soft. (1) 11 428 31 1682 165 182 134 13 13.92 181 41 4.41

Sun Pharma (1) 207 26459 17 27433 6769 6404 4541 22 34.27 754 128 5.89

Sundaram Clay (5) 10 1235 17 11340 478 478 212 105 19.64 2062 610 3.38

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STOCK VALUATIONS


JANUARY, 2016


EPS(Rs.)

Equity

(Rs. crs)

Networth

(Rs. crs)

RoNW

(%)


PBT

(Rs. crs)

BV

(Rs.)

OP

(Rs. crs)

TO/ TI

(Rs. crs)

Note- Figures rounded off, consolidated figures taken wherever possible & Other Income included in profit* JUNE 2015

PAT

(Rs. crs)MP

(Rs.)21.12.15

P/BV

Sundaram Fin. (10) 111 3750 15 4238 2585 860 576 52 25.79 1341 338 3.97

Sutlej Textiles (10) 16 558 21 1878 162 148 115 70 7.36 515 341 1.51

Suven Life (1) 13 559 19 521 159 152 109 9 28.67 258 44 5.86

Tata Coffee (1) 19 793 15 1691 290 266 120 6 14.83 89 42 2.12

Tata Global (1) 63 5452 5 7993 642 500 248 4 35.75 143 86 1.66

Tata Motors (2) 644 56239 25 262796 25850 21703 13986 43 8.84 380 175 2.17

TCS (1) 196 50635 39 94648 22683 26298 19852 101 24.22 2446 259 9.44

Tech Mahindra (5) 480 12127 22 22621 3541 3618 2628 27 19.33 522 126 4.14

Thermax (2) 24 2267 15 4697 406 497 336 28 33.68 943 190 4.96

Torrent Pharma (5) 85 2491 30 4653 829 940 751 44 33.41 1470 147 10.00

Torrent Power (10) 472 6556 5 10423 1386 740 360 8 22.00 176 139 1.27

TTK Prestige (10) 12 644 14 1388 130 133 92 79 52.99 4186 553 7.57

Tube Inv. (2) 37 2328 18 9698 1064 1003 424 23 17.13 394 124 3.18

TVS Motor (1) 48 1645 21 10098 451 456 348 7 41.29 289 35 8.26

UltraTech Cem. (10) 274 19041 11 24349 3222 2986 2098 76 36.91 2805 694 4.04

UPL (2) 86 5860 20 12091 1938 1410 1144 27 15.85 428 137 3.12

Voltas (1) 33 2102 18 5183 382 514 384 12 25.50 306 64 4.78

Wipro (2) 494 40798 21 47318 9542 11168 8653 35 15.89 556 165 3.37

Yes Bank (10) 418 11680 17 13618 3250 2910 2005 48 14.98 719 280 2.57

Zensar Tech. (10) 44 1157 23 2656 350 366 265 60 17.15 1029 261 3.94

Zicom Elect. (10) 20 364 14 1108 109 60 51 25 5.56 139 180 0.77Zydus Well. (10) 39 406 27 431 92 120 109 28 30.00 840 104 8.08

Gillette India (10) 33 643 8 1750 49 81 51 16 293.81 4701 197 23.86

P&G (10) 32 1003 30 2051 386 460 302 93 60.77 5652 309 18.29

*Shree Cement (10) 35 5276 8 6454 419 401 426 122 89.39 10905 1514 7.20

*Supreme Inds (2) 25 1212 27 4255 666 472 322 25 26.53 673 95 7.08

*Symphony (2) 7 290 40 463 132 162 116 33 70.21 2317 83 27.92

MRF (10) 4 6080 26 13533 2378 2305 1564 3688 10.63 39213 14339 2.73

Siemens (2) 71 5118 23 10512 760 1696 1183 33 35.61 1175 144 8.16

ABB India (2) 42 2812 8 7733 443 355 229 11 103.83 1142 133 8.59

Ambuja Cem. (2) 310 10103 15 9978 1419 1783 1496 10 20.10 201 65 3.09

Castrol India (5) 247 497 96 3392 681 726 475 10 43.70 437 10 43.70

Foseco (10) 6 98 25 263 35 38 25 38 35.55 1351 153 8.83

Year ended 30th June, 2014

Year ended 30th Sept., 2015

Year ended 31st Dec., 2014

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FY15 PERFORMANCE


JANUARY, 2016

FY15 PERFORMANCEYear ended 31st March, 2015

GP

(Rs. crs)

31.03.15

Equity

(Rs. crs)

TI(Rs. crs)

31.03.15

TI

(Rs. crs)

31.03.14

GP

(Rs. crs)

31.03.14

Company/ Bank OP(Rs. crs)

31.03.14

PAT

(Rs. crs)

31.03.15

OP

(Rs. crs)

31.03.15

% CH


% CH % CH% CH PAT

(Rs. crs)

31.03.14

3M India 11 1840 1742 6 154 63 144 214 117 84 108 43 151Aban Offshore 12 4041 3936 3 1781 1656 8 1332 1094 22 545 393 39Aditya Birla Nuvo 130 26516 25892 2 3688 2977 24 4027 3381 19 1416 1143 24Akzo Nobel India 47 2527 2418 5 209 148 41 328 247 33 186 150 24

Allahabad Bank 571 21712 20912 4 4460 4020 11 - - - 621 1172 -47Allcargo Logistics 25 5629 4851 16 318 216 47 475 337 41 240 149 61Alstom T&D 51 3721 3564 4 243 253 -4 252 264 -5 121 117 3Amara Raja Batt. 17 4230 3452 23 594 511 16 744 601 24 411 367 12Amrutanjan Health 3 167 142 18 21 18 17 28 23 20 15 12 25Andhra Bank 603 17868 15630 14 3298 2760 19 - - - 638 436 46Apollo Tyres 51 12785 13412 -5 1542 1465 5 1719 1643 5 978 1005 -3Asain Paints 96 14183 12715 12 1969 1752 12 2343 2080 13 1395 1219 14Ashok Leyland 285 15341 11487 34 937 -108 - 538 230 134 134 -164 -

Ashoka Buildcon 79 2320 1795 29 359 256 40 259 270 -4 81 97 -16

Astra Microwave 16 634 531 19 85 69 23 103 85 22 61 51 20Atul Auto 11 493 430 15 52 40 30 65 48 35 41 30 37Aurobindo Pharma 29 12121 8100 50 2231 1822 22 2500 1845 36 1576 1173 34Axis Bank 474 43844 38046 15 13385 11456 17 - - - 7358 6218 18Bajaj Auto 289 21612 20150 7 3849 3926 -2 4352 4812 -10 2814 3243 -13Bajaj Finance 50 5382 4032 33 3569 2622 36 1393 1120 24 898 719 25Bajaj Finserv 80 7587 6022 26 5472 4460 23 3284 2932 12 1690 1544 9Bajaj Holdings 111 524 387 35 478 359 33 519 404 28 2029 1988 2

Bank of Baroda 444 47366 43402 9 9915 9353 6 - - - 3398 4541 -25Bank of India 666 47853 42202 13 7488 8423 -11 - - - 1709 2729 -37

Bank of Mah. 1063 13671 12851 6 2355 2006 17 - - - 451 386 17Bhagiradha Chem. 5 220 174 26 8 6 33 6 7 -15 3 2 50Bharat Forge 47 7625 6716 14 1078 673 60 1485 1089 36 764 522 46Biocon 100 3090 2877 7 475 483 -2 845 741 14 497 414 20Britannia Inds. 24 7858 6913 14 719 544 32 1094 653 68 689 395 74Cadila Healthcare 102 8651 7224 20 1468 999 47 1733 1143 52 1151 804 43Cairn India 1875 14646 18762 -22 5953 11388 -48 7679 15147 -49 4480 12432 -64Can Fin Homes 27 817 578 41 748 530 41 141 109 30 86 76 13Canara Bank 475 48300 43480 11 6950 6796 2 - - - 2703 2438 11

Carborundum Uni. 19 2050 2125 -4 163 160 2 321 245 31 133 92 45CARE 29 261 236 11 154 145 6 202 183 10 138 129 7Central Bank 1658 28303 26350 7 3559 3238 10 - - - 606 -1263 -Century Plyboards 22 1565 1284 22 219 115 90 225 103 119 151 67 125Cera Sanitaryware 7 822 664 24 102 83 23 116 95 23 68 52 31Chola. Investment 144 3689 3249 14 666 553 20 696 579 20 444 368 21City Union Bank 60 3103 2826 10 693 581 19 - - - 395 347 14CMC 30 2513 2231 13 336 362 -7 380 414 -8 277 280 -1Coal India 6316 74120 70608 5 15016 15764 -5 23904 24876 -4 13727 15112 -9

Colgate-Palmolive 14 3982 3579 11 747 613 22 855 779 10 559 540 4Container Corp. 195 6149 5317 16 991 917 8 1729 1488 16 1055 944 12Coromandel Int. 29 11306 10053 12 749 709 6 697 613 14 402 357 13Corporation Bank 168 21039 19606 7 3027 3039 - - - - 584 562 4CYIENT 56 2736 2206 24 330 338 -2 517 426 21 353 266 33Dabur 176 7827 7075 11 1201 1062 13 1434 1234 16 1066 914 17DCB Bank 282 1588 1267 25 277 188 47 - - - 191 151 26Dena Bank 561 11485 10895 5 1330 1774 -25 - - - 265 552 -52Dewan Housing 146 5982 4968 20 - - - 969 746 30 621 529 17Dr.Reddys Labs 85 14819 13217 12 2629 2603 1 - - - 2218 2151 3

Elecon Eng. 22 1329 1293 3 98 88 11 106 91 16 16 14 14Emami 23 2217 1821 22 506 406 25 627 553 13 486 402 21

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FY15 PERFORMANCE


JANUARY, 2016

FY15 PERFORMANCEYear ended 31st March, 2015

GP

(Rs. crs)

31.03.15

Equity

(Rs. crs)

TI(Rs. crs)

31.03.15

TI

(Rs. crs)

31.03.14

GP

(Rs. crs)

31.03.14

Company/ Bank OP(Rs. crs)

31.03.14

PAT

(Rs. crs)

31.03.15

OP

(Rs. crs)

31.03.15

% CH


% CH % CH% CH PAT

(Rs. crs)

31.03.14

Engineers India 168 1741 1846 -6 204 472 -57 497 719 -31 313 483 -35Equitas Micro 199 438 342 28 113 92 23 108 89 22 69 57 21Eveready Inds. 36 1279 1153 11 92 49 88 94 58 61 49 14 250Exide Inds. 85 6884 5975 15 778 700 11 938 849 11 546 487 12Federal Bank 171 8298 7640 9 1628 1480 10 - - - 1006 839 20Finolex Cables 31 2449 2359 4 195 199 -2 327 292 12 199 208 -4Force Motors 13 2364 2022 17 66 12 450 206 147 40 101 78 29GAIL (India) 1268 60704 61918 -2 4218 6360 -34 5925 8567 -31 3071 4728 -35GE Shipping 151 3438 3092 11 - - - 1413 1291 9 748 574 30GHCL 100 2374 2248 6 447 380 18 342 224 52 183 108 69GIC Housing 54 733 625 17 154 133 16 157 135 16 103 98 5Glaxo Consumer 42 4308 4869 -12 668 810 -18 951 1079 -12 584 675 -13

Godrej Consumer 34 8276 7602 9 1278 1102 16 1340 1112 21 907 760 19Godrej Inds. 34 9231 7918 17 388 387 - 612 537 14 402 326 23Grasim Inds. 92 32847 29323 12 3581 3457 4 5007 5044 -1 1744 2072 -16Gruh Finance 73 1060 846 25 - - - 302 247 22 204 177 15Gujarat Fluoro. 11 5341 3452 55 750 398 88 1110 465 139 585 186 215Gujarat Gas 26 2513 3903 -36 372 525 -29 512 711 -28 314 419 -25HDFC 315 48316 40753 19 10042 8784 14 10163 8893 14 8763 7948 10HDFC Bank 501 57466 49055 17 17404 14360 21 - - - 10216 8478 21Hindalco Inds. 207 104281 87695 19 5354 4733 13 3931 6205 -37 854 2175 -61

Hindustan Zinc 845 14788 13636 8 6775 6115 11 10214 8754 17 8178 6905 18HSIL 14 1981 1858 7 207 143 45 259 185 40 85 34 150HUL 216 31972 29234 9 5091 4450 14 6642 5511 21 4363 3946 11ICICI Bank 1160 61267 54606 12 19720 16595 19 - - - 11175 9810 14ICRA 10 322 283 14 89 79 13 110 104 6 65 69 -6IDBI Bank 1604 32162 29576 9 5728 5681 1 - - - 873 1121 -22

Idea Cellular 3598 31571 26519 19 5508 3773 46 10236 7564 35 3193 1968 62IDFC 1593 9640 8772 10 7921 7600 4 2285 2594 -12 1707 1803 -5IFMR Capital 78 152 76 100 51 14 264 50 14 255 38 12 217

Indiabulls Housing 71 6465 5419 19 5611 4779 17 2491 1990 25 1901 1564 22Indiabulls Ventures 52 335 289 16 182 163 12 207 159 30 151 102 48Indian Bank 480 17216 16621 4 3014 2901 4 - - - 1005 1159 -13Indraprastha Gas 140 3681 3914 -6 644 563 14 798 759 5 438 360 22IndusInd Bank 529 12096 10144 19 3098 2596 19 - - - 1794 1408 27Infosys 572 53319 50133 6 13832 12041 15 - - - 12329 10648 16Inox Wind 222 2710 1567 73 437 165 165 409 139 194 296 132 124Insecticides (I) 13 964 864 12 97 75 29 78 55 42 55 40 38ITC 802 38835 35317 10 13174 12087 9 15390 14016 10 9663 8891 9Jamna Auto Inds. 40 1095 833 31 63 21 200 78 43 84 29 14 107

JK Tyre 45 7384 7652 -4 773 692 12 643 554 16 330 263 25

JM Financial 78 1392 1002 39 926 584 59 535 295 81 331 210 58JSW Steel 242 52972 51220 3 5968 5983 - 5974 4491 33 1797 452 298Jyothy Labs 18 1515 13

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E-edition Jan. 2016