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Compare J&K Bank with Vijaya Bank - Equitymaster
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J&K BANK vs VIJAYA 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

VIJAYA BANK 
   Change

Vijaya Bank became nationalised bank in 1980 having a branch network of 910 spread across 28 states and four union territories. During FY05 the bank achieved the distinction of 100% branch computerisation. The major focus of the bank during the year ... More

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Current Valuations

    J&K BANK VIJAYA BANK J&K BANK/
VIJAYA BANK
 
P/E (TTM) x 3.5 9.0 39.6% View Chart
P/BV x 0.6 0.9 71.0% View Chart
Dividend Yield % 2.6 2.3 112.2%  

Financials

 J&K BANK   VIJAYA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
VIJAYA BANK
Mar-15
J&K BANK/
VIJAYA BANK
5-Yr Chart
Click to enlarge
High Rs11958 203.6%   
Low Rs9539 244.8%   
Income per share (Unadj.) Rs1,456.5142.9 1,019.5%  
Earnings per share (Unadj.) Rs104.95.1 2,050.7%  
Cash flow per share (Unadj.) Rs251.816.9 1,488.8%  
Dividends per share (Unadj.) Rs2.101.50 140.0%  
Avg Dividend yield %2.03.1 63.6%  
Book value per share (Unadj.) Rs1,260.071.7 1,757.4%  
Shares outstanding (eoy) m48.48859.12 5.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.3 21.6%   
Avg P/E ratio x1.09.5 10.7%  
Avg P/CF ratio x0.33.2 10.6%  
Avg Price/Bookvalue ratio x0.10.7 12.5%  
Dividend payout %2.029.3 6.8%   
Avg Mkt Cap Rs m5,18541,753 12.4%   
No. of employees `0001.013.6 7.1%   
Total wages & salary Rs m8,97611,656 77.0%   
Avg. income/employee Rs Th73,553.49,013.4 816.0%   
Avg. wages/employee Rs Th9,349.6856.0 1,092.3%   
Avg. net profit/employee Rs Th5,296.7322.7 1,641.4%   
INCOME DATA
Interest income Rs m70,611122,735 57.5%  
Other income Rs m5,9908,790 68.2%   
Interest expense Rs m44,08699,813 44.2%   
Net interest income Rs m26,52622,923 115.7%  
Operating expense Rs m14,15919,122 74.0%   
Gross profit Rs m12,3663,801 325.4%  
Gross profit margin %17.53.1 565.5%  
Provisions/contingencies Rs m10,1558,591 118.2%   
Profit before tax Rs m8,2023,999 205.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117-395 -788.9%   
Profit after tax Rs m5,0854,394 115.7%  
Net profit margin %7.23.6 201.1%  
BALANCE SHEET DATA
Advances Rs m445,858866,959 51.4%   
Deposits Rs m657,3621,263,434 52.0%  
Credit/Deposit ratio x67.868.6 98.8%  
Yield on advances %11.69.9 116.6%   
Cost of deposits %6.47.7 83.3%   
Net Interest Margin %3.61.7 218.4%  
Net fixed assets Rs m6,8965,667 121.7%   
Share capital Rs m4858,591 5.6%   
Free reserves Rs m39,49927,944 141.4%   
Net worth Rs m61,08561,598 99.2%   
Borrowings Rs m23,39672,782 32.1%   
Investments Rs m251,043445,221 56.4%   
Total assets Rs m760,6451,426,431 53.3%  
Debt/equity ratio x11.121.7 51.4%   
Return on assets %0.70.3 217.0%  
Return on equity %8.37.1 116.7%  
Capital adequacy ratio %12.611.7 107.4%  
Net NPAs %2.81.9 144.3%  
CASH FLOW
From Operations Rs m1,181-32,120 -3.7%  
From Investments Rs m-2,609-1,042 250.4%  
From Financial Activity Rs m-3,37612,104 -27.9%  
Net Cashflow Rs m-4,805-21,058 22.8%  

Share Holding

Indian Promoters % 53.2 74.1 71.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 7.9 54.4%  
FIIs % 29.3 2.0 1,465.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 16.0 83.1%  
Shareholders   56,111 303,047 18.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   ORIENTAL BANK  UNITED BANK OF INDIA  UNION BANK  CITY UNION BANK  BANK OF BARODA  

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



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Aug 23, 2017 (Close)

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