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Compare J&K Bank with Karur Vysya Bank - Equitymaster
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J&K BANK vs KARUR VYSYA BANK - Comparison Results

J&K BANK    Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

KARUR VYSYA BANK 
   Change

The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... More

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Current Valuations

    J&K BANK KARUR VYSYA BANK J&K BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 4.8 11.9 40.7% View Chart
P/BV x 0.6 1.7 36.4% View Chart
Dividend Yield % 2.7 11.0 24.5%  

Financials

 J&K BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
KARUR VYSYA BANK
Mar-15
J&K BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs119619 19.2%   
Low Rs95355 26.8%   
Income per share (Unadj.) Rs1,456.5443.7 328.3%  
Earnings per share (Unadj.) Rs104.940.6 258.0%  
Cash flow per share (Unadj.) Rs251.891.7 274.4%  
Dividends per share (Unadj.) Rs2.1013.00 16.2%  
Avg Dividend yield %2.02.7 73.6%  
Book value per share (Unadj.) Rs1,260.0349.1 360.9%  
Shares outstanding (eoy) m48.48121.62 39.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.11.1 6.7%   
Avg P/E ratio x1.012.0 8.5%  
Avg P/CF ratio x0.36.1 5.6%  
Avg Price/Bookvalue ratio x0.11.4 6.1%  
Dividend payout %2.032.0 6.3%   
Avg Mkt Cap Rs m5,18559,235 8.8%   
No. of employees `0001.07.2 13.3%   
Total wages & salary Rs m8,9765,471 164.1%   
Avg. income/employee Rs Th73,553.47,497.4 981.1%   
Avg. wages/employee Rs Th9,349.6760.1 1,230.0%   
Avg. net profit/employee Rs Th5,296.7686.9 771.1%   
INCOME DATA
Interest income Rs m70,61153,959 130.9%  
Other income Rs m5,9905,808 103.1%   
Interest expense Rs m44,08639,300 112.2%   
Net interest income Rs m26,52614,659 180.9%  
Operating expense Rs m14,15911,035 128.3%   
Gross profit Rs m12,3663,625 341.2%  
Gross profit margin %17.56.7 260.7%  
Provisions/contingencies Rs m10,1554,805 211.3%   
Profit before tax Rs m8,2024,928 166.4%   
Extraordinary Inc (Exp) Rs m087 0.0%   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,11772 4,347.4%   
Profit after tax Rs m5,0854,943 102.9%  
Net profit margin %7.29.2 78.6%  
BALANCE SHEET DATA
Advances Rs m445,858361,089 123.5%   
Deposits Rs m657,362446,903 147.1%  
Credit/Deposit ratio x67.880.8 83.9%  
Yield on advances %11.611.7 99.3%   
Cost of deposits %6.47.9 80.7%   
Net Interest Margin %3.62.8 127.2%  
Net fixed assets Rs m6,8964,112 167.7%   
Share capital Rs m4851,216 39.9%   
Free reserves Rs m39,49925,054 157.7%   
Net worth Rs m61,08542,460 143.9%   
Borrowings Rs m23,39629,008 80.7%   
Investments Rs m251,043127,730 196.5%   
Total assets Rs m760,645531,525 143.1%  
Debt/equity ratio x11.111.2 99.4%   
Return on assets %0.70.9 71.9%  
Return on equity %8.311.6 71.5%  
Capital adequacy ratio %12.614.6 86.0%  
Net NPAs %2.80.8 355.1%  
CASH FLOW
From Operations Rs m1,181-3,090 -38.2%  
From Investments Rs m-2,609-1,023 255.0%  
From Financial Activity Rs m-3,3764,822 -70.0%  
Net Cashflow Rs m-4,805710 -677.2%  

Share Holding

Indian Promoters % 53.2 3.0 1,773.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 12.4 34.7%  
FIIs % 29.3 25.1 116.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 59.4 22.4%  
Shareholders   56,111 74,641 75.2%  
Pledged promoter(s) holding % 0.0 8.7 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   BANK OF BARODA  HDFC BANK  UNITED BANK OF INDIA  CORPORATION BANK  IDBI BANK  

Compare J&K BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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