Swot Analysis Of J & K Bank
CHAPTER 2
INDUSTRY PROFILE & COMPANY PROFILE
2.1 INDUSTRY PROFILE A bank is a commercial or state institution that provides financial services, counting issuing money in figure of coins, banknotes or , in receipt of deposits of money, lending money and dealing out transactions. marketable bank accepts deposits from customers and in spin makes loans based on those deposits. A few banks (called Banks of issue) issue banknotes as official tender. various banks present additional financial services to make extra profit. For instance: selling insurance products, investment products or stock broking.
Nearly everyone banks also rent safe and sound deposit boxes in their crypt. At present in most jurisdictions, commercial banks are
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Third Party Services
• Mutual Funds
• Insurance Services - Life & Non-Life
• Remittance Services
Cash Management Services
• Real Time Gross Settlement (RTGS)
• National Electronic Fund Transfer (NEFT)
Unique Characteristics & Services
• J&K Bank ltd carries out banking business of the Central Government
• In spite of a government equity holding of 53 per cent, Jammu & Kashmir Bank (J&K Bank ltd) is regarded as a private sector bank
• J&K Bank ltd is the one and only banker and lender of last resort to the Government of J&K.
• Plan and non-plan funds, taxes and non-tax revenues are routed through the J&K Bank ltd.
• J&K Bank ltd claims the distinction of being the only private sector bank that has been nominated as agent of RBI for banking
• The services of J&K Bank ltd are utilized for the purposes of disbursing the salaries of Government officials
• J&K Bank ltd collects taxes pertaining to Central Board of Direct Taxes, in Jammu & Kashmir.
2.2.5 Infrastructure: Global Standards - The fastest growing bank with 550 branches across the
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Fixed assets 7,03,92,048 9,75,17,209 11,93,01,993 13,69,65,021 18,45,50,717
B. Investments 4,500 4,500 4,500 4,500 4,500
C. current assets 4,26,08,400 5,81,03,986 10,77,66,592 17,84,35,140 21,16,90,465 D. Deposits 4,28,51,793 7,37,18,680 7,53,55,517 7,34,42,014 3,90,35,807
Total assets 15,58,56,741 22,93,44,375 30,24,28,602 38,88,46,675 43,52,81,489
Profit and loss account
Parameter MAR '14
(Rs in Cr.) MAR '13
(Rs in Cr.)
I. INCOME
Interest Earned 6,136.80 4,835.58
Other Income 483.73 334.12
Total Income 6,620.53 5,169.70
II. EXPENDITURE
Interest Expended 3,820.76 2,997.22
Operating Expenses 989.02 802.15
PBIDT 1,810.76 1,370.33
Provisions and Contingencies 284.17 169.23
Profit Before Tax 1,526.59 1,201.10
Taxes 471.49 397.85
Total 5,565.43 4,366.45
III. Profit & Loss
PAT 1,055.10 803.25
Extraordinary Items 0.00 0.00
Profit brought forward 0.00 0.00
Adjusted Net Profit 0.00 0.00
Total Profit & Loss 1,055.10 803.25
Appropriations 1,055.10 803.25
Equity Dividend (%) 500.00 335.00
Earnings Per Share (in ₹) 217.65 165.70
Book Value (in ₹) 1,003.49 844.34
CASH FLOW
Parameter MAR '14
(Cr.) MAR
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