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

 Effective advertisement and communications.

 Maintain good relationship with customers.

Weakness

 Support to be very sophisticated.

 Not fit for rural India

 Market share reduces from last few years

 Products are costly

Opportunities

 If they able to improve efficiency, it will be a golden opportunity to take over the market

 Can install new branches and ATMs across the country

Threats

 Main threat to J&K Bank ltd is their competitors like State Bank of India, Punjab National Bank, ICICI Bank, IDBI Bank and Graeme bank etc.

 Services provided by others banks are technologically better than J&K bank ltd.

2.2.9 Future growth and prospects

 Their policy explains every year growth and continuous growth towards the employees.

 Increases affluence

 Greater life expectancy

 Increases complexity of products/technological advancement which helps an individual to grow forward.

 Increases environmental awareness.

2.2.10 FINANCIAL STATEMENT

BALANCE SHEET OF THE YEAR 2008- 2013 This table is showing the balance sheet of the J&K bank ltd.

PARTICULARS 2009-10 2010-11 2011-12 2012-13 2013-14

Source of

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'13

(Cr.)

Net Profit Before Taxes 1,526.59