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Compare IDBI Bank with J&K Bank - Equitymaster

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IDBI BANK vs J&K BANK - Comparison Results

IDBI BANK    Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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

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Current Valuations

    IDBI BANK J&K BANK IDBI BANK/
J&K BANK
 
P/E (TTM) x -1.1 6.2 - View Chart
P/BV x 0.4 0.4 86.8% View Chart
Dividend Yield % 1.3 3.7 34.1%  

Financials

 IDBI BANK   J&K BANK
EQUITY SHARE DATA
    IDBI BANK
Mar-15
J&K BANK
Mar-15
IDBI BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs113119 94.9%   
Low Rs6095 63.3%   
Income per share (Unadj.) Rs175.61,456.5 12.1%  
Earnings per share (Unadj.) Rs5.9104.9 5.6%  
Cash flow per share (Unadj.) Rs6.0251.8 2.4%  
Dividends per share (Unadj.) Rs0.752.10 35.7%  
Avg Dividend yield %0.92.0 44.2%  
Book value per share (Unadj.) Rs152.01,260.0 12.1%  
Shares outstanding (eoy) m1,603.9648.48 3,308.5%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x0.50.1 670.5%   
Avg P/E ratio x14.71.0 1,443.9%  
Avg P/CF ratio x2.60.3 750.2%  
Avg Price/Bookvalue ratio x0.60.1 670.2%  
Dividend payout %12.82.0 638.0%   
Avg Mkt Cap Rs m138,6625,185 2,674.3%   
No. of employees `00016.61.0 1,724.5%   
Total wages & salary Rs m20,1128,976 224.1%   
Avg. income/employee Rs Th17,012.573,553.4 23.1%   
Avg. wages/employee Rs Th1,214.99,349.6 13.0%   
Avg. net profit/employee Rs Th568.95,296.7 10.7%   
INCOME DATA
Interest income Rs m281,64370,611 398.9%  
Other income Rs m41,8925,990 699.3%   
Interest expense Rs m223,87244,086 507.8%   
Net interest income Rs m57,77126,526 217.8%  
Operating expense Rs m41,04614,159 289.9%   
Gross profit Rs m16,72512,366 135.2%  
Gross profit margin %5.917.5 33.9%  
Provisions/contingencies Rs m44,90510,155 442.2%   
Profit before tax Rs m13,4038,202 163.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m1550-   
Prior Period Items Rs m00-   
Tax Rs m4,1393,117 132.8%   
Profit after tax Rs m9,4185,085 185.2%  
Net profit margin %3.37.2 46.4%  
BALANCE SHEET DATA
Advances Rs m2,083,769445,858 467.4%   
Deposits Rs m2,595,230657,362 394.8%  
Credit/Deposit ratio x80.367.8 118.4%  
Yield on advances %10.011.6 86.4%   
Cost of deposits %6.86.4 106.3%   
Net Interest Margin %1.73.6 46.6%  
Net fixed assets Rs m30,8006,896 446.7%   
Share capital Rs m16,040485 3,307.8%   
Free reserves Rs m156,91039,499 397.2%   
Net worth Rs m243,74961,085 399.0%   
Borrowings Rs m618,33023,396 2,642.9%   
Investments Rs m1,206,093251,043 480.4%   
Total assets Rs m3,559,309760,645 467.9%  
Debt/equity ratio x13.211.1 118.3%   
Return on assets %0.30.7 39.6%  
Return on equity %3.98.3 46.4%  
Capital adequacy ratio %11.812.6 93.6%  
Net NPAs %2.92.8 104.0%  
CASH FLOW
From Operations Rs m-19,9061,181 -1,686.1%  
From Investments Rs m-2,716-2,609 104.1%  
From Financial Activity Rs m-610-3,376 18.1%  
Net Cashflow Rs m-23,232-4,805 483.6%  

Share Holding

Indian Promoters % 71.7 53.2 134.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.7 4.3 318.6%  
FIIs % 3.4 29.3 11.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 11.2 13.3 84.2%  
Shareholders   438,231 56,111 781.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare IDBI BANK With:   FEDERAL BANK  YES BANK  BANK OF MAHARASHTRA  DENA BANK  ORIENTAL BANK  

Compare IDBI BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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