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Compare J&K Bank with ING Vysya Bank - Equitymaster
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J&K BANK vs ING 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

ING VYSYA BANK 
   Change

ING Vysya Bank is one of the oldest private sector banks in the country, in which the ING Group of the Netherlands holds a 44% stake. The bank has a large regional exposure in the southern region. Thanks to capital infusion by parent ING Bank N.V's, ... More

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Current Valuations

    J&K BANK ING VYSYA BANK J&K BANK/
ING VYSYA BANK
 
P/E (TTM) x 4.2 28.5 14.7% View Chart
P/BV x 0.5 2.8 19.3% View Chart
Dividend Yield % 3.1 0.6 533.3%  

Financials

 J&K BANK   ING VYSYA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ING VYSYA BANK
Mar-14
J&K BANK/
ING VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs119667 17.8%   
Low Rs95406 23.4%   
Income per share (Unadj.) Rs1,456.5275.9 527.8%  
Earnings per share (Unadj.) Rs104.934.9 300.7%  
Cash flow per share (Unadj.) Rs251.8123.0 204.7%  
Dividends per share (Unadj.) Rs2.106.00 35.0%  
Avg Dividend yield %2.01.1 175.5%  
Book value per share (Unadj.) Rs1,260.0375.2 335.8%  
Shares outstanding (eoy) m48.48188.64 25.7%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.11.9 3.8%   
Avg P/E ratio x1.015.4 6.6%  
Avg P/CF ratio x0.312.5 2.7%  
Avg Price/Bookvalue ratio x0.11.4 5.9%  
Dividend payout %2.017.2 11.6%   
Avg Mkt Cap Rs m5,185101,158 5.1%   
No. of employees `0001.0NA-   
Total wages & salary Rs m8,9769,177 97.8%   
Avg. income/employee Rs Th73,553.4NM-  
Avg. wages/employee Rs Th9,349.6NM-  
Avg. net profit/employee Rs Th5,296.7N.A.-  
INCOME DATA
Interest income Rs m70,61152,053 135.7%  
Other income Rs m5,9908,668 69.1%   
Interest expense Rs m44,08634,517 127.7%   
Net interest income Rs m26,52617,535 151.3%  
Operating expense Rs m14,15914,925 94.9%   
Gross profit Rs m12,3662,610 473.8%  
Gross profit margin %17.55.0 349.3%  
Provisions/contingencies Rs m10,1551,500 676.8%   
Profit before tax Rs m8,2029,778 83.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1173,198 97.5%   
Profit after tax Rs m5,0856,579 77.3%  
Net profit margin %7.212.6 57.0%  
BALANCE SHEET DATA
Advances Rs m445,858358,289 124.4%   
Deposits Rs m657,362412,122 159.5%  
Credit/Deposit ratio x67.886.9 78.0%  
Yield on advances %11.610.6 109.5%   
Cost of deposits %6.46.6 97.3%   
Net Interest Margin %3.63.0 120.3%  
Net fixed assets Rs m6,8965,248 131.4%   
Share capital Rs m4851,886 25.7%   
Free reserves Rs m39,49956,798 69.5%   
Net worth Rs m61,08570,782 86.3%   
Borrowings Rs m23,39696,685 24.2%   
Investments Rs m251,043167,187 150.2%   
Total assets Rs m760,645604,134 125.9%  
Debt/equity ratio x11.17.2 155.0%   
Return on assets %0.71.1 61.4%  
Return on equity %8.39.3 89.6%  
Capital adequacy ratio %12.616.8 75.0%  
Net NPAs %2.80.3 989.3%  
CASH FLOW
From Operations Rs m1,181-19,300 -6.1%  
From Investments Rs m-2,609-826 315.9%  
From Financial Activity Rs m-3,37650,052 -6.7%  
Net Cashflow Rs m-4,80529,926 -16.1%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 43.1 -  
Indian inst/Mut Fund % 4.3 14.8 29.1%  
FIIs % 29.3 28.7 102.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 13.4 99.3%  
Shareholders   56,111 30,627 183.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   CORPORATION BANK  BANK OF BARODA  ORIENTAL BANK  AXIS BANK  BANK OF INDIA  

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



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Feb 20, 2018 (Close)

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