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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 10.3 21.0 49.2% View Chart
P/BV x 0.4 1.1 36.6% View Chart
Dividend Yield % 0.0 16.7 -  

Financials

 J&K BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
KARUR VYSYA BANK
Mar-16
J&K BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs92560 16.4%   
Low Rs55394 13.9%   
Income per share (Unadj.) Rs1,282.5446.7 287.1%  
Earnings per share (Unadj.) Rs-313.346.5 -673.3%  
Cash flow per share (Unadj.) Rs-496.9151.0 -329.1%  
Dividends per share (Unadj.) Rs014.00 0.0%  
Avg Dividend yield %02.9 0.0%  
Book value per share (Unadj.) Rs1,087.5375.3 289.8%  
Shares outstanding (eoy) m52.13121.86 42.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.11.1 5.4%   
Avg P/E ratio x-0.210.2 -2.3%  
Avg P/CF ratio x0.36.5 5.0%  
Avg Price/Bookvalue ratio x0.11.3 5.3%  
Dividend payout %030.1 0.0%   
Avg Mkt Cap Rs m3,82158,103 6.6%   
No. of employees `0000.97.2 12.8%   
Total wages & salary Rs m11,2255,474 205.1%   
Avg. income/employee Rs Th72,278.97,548.7 957.5%   
Avg. wages/employee Rs Th12,135.6759.1 1,598.7%   
Avg. net profit/employee Rs Th-17,653.9786.2 -2,245.5%   
INCOME DATA
Interest income Rs m66,85854,434 122.8%  
Other income Rs m4,9737,068 70.4%   
Interest expense Rs m41,73036,620 114.0%   
Net interest income Rs m25,12817,814 141.1%  
Operating expense Rs m17,16412,528 137.0%   
Gross profit Rs m7,9645,286 150.6%  
Gross profit margin %11.99.7 122.7%  
Provisions/contingencies Rs m28,0033,238 864.9%   
Profit before tax Rs m-15,0679,109 -165.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,2633,440 36.7%   
Profit after tax Rs m-16,3305,669 -288.0%  
Net profit margin %-24.410.4 -234.5%  
BALANCE SHEET DATA
Advances Rs m498,161390,844 127.5%   
Deposits Rs m724,590500,789 144.7%  
Credit/Deposit ratio x68.878.0 88.1%  
Yield on advances %9.611.1 86.7%   
Cost of deposits %5.66.9 82.1%   
Net Interest Margin %3.33.2 101.6%  
Net fixed assets Rs m15,4374,201 367.4%   
Share capital Rs m5221,219 42.8%   
Free reserves Rs m27,88526,513 105.2%   
Net worth Rs m56,69245,730 124.0%   
Borrowings Rs m12,76115,732 81.1%   
Investments Rs m212,709132,217 160.9%   
Total assets Rs m820,121576,637 142.2%  
Debt/equity ratio x13.011.3 115.1%   
Return on assets %-2.01.0 -202.5%  
Return on equity %-28.812.4 -232.3%  
Capital adequacy ratio %10.812.2 88.7%  
Net NPAs %5.10.6 920.0%  
CASH FLOW
From Operations Rs m24,5714,799 512.0%  
From Investments Rs m-8,614-917 939.8%  
From Financial Activity Rs m5,929-3,457 -171.5%  
Net Cashflow Rs m21,886425 5,148.4%  

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:   IDFC BANK LTD  KARNATAKA BANK  VIJAYA BANK  ORIENTAL BANK  PUNJAB & SIND BANK  

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



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