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ChangeJammu 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
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
| J&K BANK | KARUR VYSYA BANK | J&K BANK/ KARUR VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.6 | 14.3 | 25.2% | View Chart |
| P/BV | x | 0.6 | 2.0 | 31.7% | View Chart |
| Dividend Yield | % | 2.6 | 9.1 | 28.2% |
 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 | Rs | 119 | 619 | 19.2% | |
| Low | Rs | 95 | 355 | 26.8% | |
| Income per share (Unadj.) | Rs | 1,456.5 | 443.7 | 328.3% | |
| Earnings per share (Unadj.) | Rs | 104.9 | 40.6 | 258.0% | |
| Cash flow per share (Unadj.) | Rs | 251.8 | 91.7 | 274.4% | |
| Dividends per share (Unadj.) | Rs | 2.10 | 13.00 | 16.2% | |
| Avg Dividend yield | % | 2.0 | 2.7 | 73.6% | |
| Book value per share (Unadj.) | Rs | 1,260.0 | 349.1 | 360.9% | |
| Shares outstanding (eoy) | m | 48.48 | 121.62 | 39.9% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.1 | 1.1 | 6.7% | |
| Avg P/E ratio | x | 1.0 | 12.0 | 8.5% | |
| Avg P/CF ratio | x | 0.3 | 6.1 | 5.6% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 1.4 | 6.1% | |
| Dividend payout | % | 2.0 | 32.0 | 6.3% | |
| Avg Mkt Cap | Rs m | 5,185 | 59,235 | 8.8% | |
| No. of employees | `000 | 1.0 | 7.2 | 13.3% | |
| Total wages & salary | Rs m | 8,976 | 5,471 | 164.1% | |
| Avg. income/employee | Rs Th | 73,553.4 | 7,497.4 | 981.1% | |
| Avg. wages/employee | Rs Th | 9,349.6 | 760.1 | 1,230.0% | |
| Avg. net profit/employee | Rs Th | 5,296.7 | 686.9 | 771.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 70,611 | 53,959 | 130.9% | |
| Other income | Rs m | 5,990 | 5,808 | 103.1% | |
| Interest expense | Rs m | 44,086 | 39,300 | 112.2% | |
| Net interest income | Rs m | 26,526 | 14,659 | 180.9% | |
| Operating expense | Rs m | 14,159 | 11,035 | 128.3% | |
| Gross profit | Rs m | 12,366 | 3,625 | 341.2% | |
| Gross profit margin | % | 17.5 | 6.7 | 260.7% | |
| Provisions/contingencies | Rs m | 10,155 | 4,805 | 211.3% | |
| Profit before tax | Rs m | 8,202 | 4,928 | 166.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 87 | 0.0% | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,117 | 72 | 4,347.4% | |
| Profit after tax | Rs m | 5,085 | 4,943 | 102.9% | |
| Net profit margin | % | 7.2 | 9.2 | 78.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 445,858 | 361,089 | 123.5% | |
| Deposits | Rs m | 657,362 | 446,903 | 147.1% | |
| Credit/Deposit ratio | x | 67.8 | 80.8 | 83.9% | |
| Yield on advances | % | 11.6 | 11.7 | 99.3% | |
| Cost of deposits | % | 6.4 | 7.9 | 80.7% | |
| Net Interest Margin | % | 3.6 | 2.8 | 127.2% | |
| Net fixed assets | Rs m | 6,896 | 4,112 | 167.7% | |
| Share capital | Rs m | 485 | 1,216 | 39.9% | |
| Free reserves | Rs m | 39,499 | 25,054 | 157.7% | |
| Net worth | Rs m | 61,085 | 42,460 | 143.9% | |
| Borrowings | Rs m | 23,396 | 29,008 | 80.7% | |
| Investments | Rs m | 251,043 | 127,730 | 196.5% | |
| Total assets | Rs m | 760,645 | 531,525 | 143.1% | |
| Debt/equity ratio | x | 11.1 | 11.2 | 99.4% | |
| Return on assets | % | 0.7 | 0.9 | 71.9% | |
| Return on equity | % | 8.3 | 11.6 | 71.5% | |
| Capital adequacy ratio | % | 12.6 | 14.6 | 86.0% | |
| Net NPAs | % | 2.8 | 0.8 | 355.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 1,181 | -3,090 | -38.2% | |
| From Investments | Rs m | -2,609 | -1,023 | 255.0% | |
| From Financial Activity | Rs m | -3,376 | 4,822 | -70.0% | |
| Net Cashflow | Rs m | -4,805 | 710 | -677.2% | |
| 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 | - |
Compare J&K BANK With: KARNATAKA BANK CANARA BANK SOUTH IND.BANK YES BANK ALLAHABAD BANK
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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