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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 7.1 20.5 34.6% View Chart
P/BV x 0.3 1.1 25.3% View Chart
Dividend Yield % 0.0 16.6 -  

Financials

 J&K BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
KARUR VYSYA BANK
Mar-16
J&K BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs96560 17.1%   
Low Rs55394 13.8%   
Income per share (Unadj.) Rs1,189.2446.7 266.2%  
Earnings per share (Unadj.) Rs36.446.5 78.2%  
Cash flow per share (Unadj.) Rs167.4151.0 110.9%  
Dividends per share (Unadj.) Rs014.00 0.0%  
Avg Dividend yield %02.9 0.0%  
Book value per share (Unadj.) Rs1,105.9375.3 294.7%  
Shares outstanding (eoy) m55.68121.86 45.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.11.1 5.9%   
Avg P/E ratio x2.110.2 20.1%  
Avg P/CF ratio x0.36.5 4.6%  
Avg Price/Bookvalue ratio x0.11.3 5.3%  
Dividend payout %030.1 0.0%   
Avg Mkt Cap Rs m4,18258,103 7.2%   
No. of employees `0001.07.2 14.2%   
Total wages & salary Rs m12,8695,474 235.1%   
Avg. income/employee Rs Th64,852.17,548.7 859.1%   
Avg. wages/employee Rs Th12,604.2759.1 1,660.4%   
Avg. net profit/employee Rs Th1,985.2786.2 252.5%   
INCOME DATA
Interest income Rs m66,21454,434 121.6%  
Other income Rs m5,0087,068 70.9%   
Interest expense Rs m37,50236,620 102.4%   
Net interest income Rs m28,71217,814 161.2%  
Operating expense Rs m19,90212,528 158.9%   
Gross profit Rs m8,8105,286 166.7%  
Gross profit margin %13.39.7 137.0%  
Provisions/contingencies Rs m11,7923,238 364.2%   
Profit before tax Rs m1,2099,109 13.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8183,440 -23.8%   
Profit after tax Rs m2,0275,669 35.8%  
Net profit margin %3.110.4 29.4%  
BALANCE SHEET DATA
Advances Rs m569,127390,844 145.6%   
Deposits Rs m800,045500,789 159.8%  
Credit/Deposit ratio x71.178.0 91.1%  
Yield on advances %8.711.1 79.0%   
Cost of deposits %4.56.9 65.9%   
Net Interest Margin %3.43.2 105.7%  
Net fixed assets Rs m16,1494,201 384.4%   
Share capital Rs m5571,219 45.7%   
Free reserves Rs m32,33626,513 122.0%   
Net worth Rs m61,57645,730 134.7%   
Borrowings Rs m16,28315,732 103.5%   
Investments Rs m188,600132,217 142.6%   
Total assets Rs m896,844576,637 155.5%  
Debt/equity ratio x13.311.3 117.4%   
Return on assets %0.21.0 23.0%  
Return on equity %3.312.4 26.6%  
Capital adequacy ratio %11.412.2 93.8%  
Net NPAs %4.90.6 890.9%  
CASH FLOW
From Operations Rs m23,6274,799 492.4%  
From Investments Rs m-1,639-917 178.8%  
From Financial Activity Rs m6,684-3,457 -193.3%  
Net Cashflow Rs m28,672425 6,744.9%  

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:   UNION BANK  VIJAYA BANK  CORPORATION BANK  PUNJAB & SIND BANK  SYNDICATE BANK  

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



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Dec 18, 2018 (Close)

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