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ChangeVijaya 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
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 | J&K BANK | VIJAYA BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.4 | 3.6 | 265.0% | View Chart |
| P/BV | x | 0.9 | 0.6 | 147.6% | View Chart |
| Dividend Yield | % | 2.2 | 2.6 | 85.0% |
 VIJAYA BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| VIJAYA BANK Mar-15 |
J&K BANK Mar-15 |
VIJAYA BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 58 | 119 | 49.1% | |
| Low | Rs | 39 | 95 | 40.8% | |
| Income per share (Unadj.) | Rs | 142.9 | 1,456.5 | 9.8% | |
| Earnings per share (Unadj.) | Rs | 5.1 | 104.9 | 4.9% | |
| Cash flow per share (Unadj.) | Rs | 16.9 | 251.8 | 6.7% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 2.10 | 71.4% | |
| Avg Dividend yield | % | 3.1 | 2.0 | 157.2% | |
| Book value per share (Unadj.) | Rs | 71.7 | 1,260.0 | 5.7% | |
| Shares outstanding (eoy) | m | 859.12 | 48.48 | 1,772.1% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.3 | 0.1 | 463.3% | |
| Avg P/E ratio | x | 9.5 | 1.0 | 931.9% | |
| Avg P/CF ratio | x | 3.2 | 0.3 | 945.1% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 0.1 | 798.6% | |
| Dividend payout | % | 29.3 | 2.0 | 1,464.8% | |
| Avg Mkt Cap | Rs m | 41,753 | 5,185 | 805.3% | |
| No. of employees | `000 | 13.6 | 1.0 | 1,418.4% | |
| Total wages & salary | Rs m | 11,656 | 8,976 | 129.9% | |
| Avg. income/employee | Rs Th | 9,013.4 | 73,553.4 | 12.3% | |
| Avg. wages/employee | Rs Th | 856.0 | 9,349.6 | 9.2% | |
| Avg. net profit/employee | Rs Th | 322.7 | 5,296.7 | 6.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 122,735 | 70,611 | 173.8% | |
| Other income | Rs m | 8,790 | 5,990 | 146.7% | |
| Interest expense | Rs m | 99,813 | 44,086 | 226.4% | |
| Net interest income | Rs m | 22,923 | 26,526 | 86.4% | |
| Operating expense | Rs m | 19,122 | 14,159 | 135.0% | |
| Gross profit | Rs m | 3,801 | 12,366 | 30.7% | |
| Gross profit margin | % | 3.1 | 17.5 | 17.7% | |
| Provisions/contingencies | Rs m | 8,591 | 10,155 | 84.6% | |
| Profit before tax | Rs m | 3,999 | 8,202 | 48.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -395 | 3,117 | -12.7% | |
| Profit after tax | Rs m | 4,394 | 5,085 | 86.4% | |
| Net profit margin | % | 3.6 | 7.2 | 49.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 866,959 | 445,858 | 194.4% | |
| Deposits | Rs m | 1,263,434 | 657,362 | 192.2% | |
| Credit/Deposit ratio | x | 68.6 | 67.8 | 101.2% | |
| Yield on advances | % | 9.9 | 11.6 | 85.8% | |
| Cost of deposits | % | 7.7 | 6.4 | 120.1% | |
| Net Interest Margin | % | 1.7 | 3.6 | 45.8% | |
| Net fixed assets | Rs m | 5,667 | 6,896 | 82.2% | |
| Share capital | Rs m | 8,591 | 485 | 1,771.7% | |
| Free reserves | Rs m | 27,944 | 39,499 | 70.7% | |
| Net worth | Rs m | 61,598 | 61,085 | 100.8% | |
| Borrowings | Rs m | 72,782 | 23,396 | 311.1% | |
| Investments | Rs m | 445,221 | 251,043 | 177.3% | |
| Total assets | Rs m | 1,426,431 | 760,645 | 187.5% | |
| Debt/equity ratio | x | 21.7 | 11.1 | 194.6% | |
| Return on assets | % | 0.3 | 0.7 | 46.1% | |
| Return on equity | % | 7.1 | 8.3 | 85.7% | |
| Capital adequacy ratio | % | 11.7 | 12.6 | 93.1% | |
| Net NPAs | % | 1.9 | 2.8 | 69.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -32,120 | 1,181 | -2,720.7% | |
| From Investments | Rs m | -1,042 | -2,609 | 39.9% | |
| From Financial Activity | Rs m | 12,104 | -3,376 | -358.6% | |
| Net Cashflow | Rs m | -21,058 | -4,805 | 438.3% | |
| Indian Promoters | % | 74.1 | 53.2 | 139.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 7.9 | 4.3 | 183.7% | |
| FIIs | % | 2.0 | 29.3 | 6.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 16.0 | 13.3 | 120.3% | |
| Shareholders | 303,047 | 56,111 | 540.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare VIJAYA BANK With: CANARA BANK ANDHRA BANK DHANLAXMI BANK KARNATAKA BANK INDIAN OVERSEAS BANK
Compare VIJAYA BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Asset quality will be the key thing to watch out for going forward.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
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