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Compare J&K Bank with Allahabad Bank - Equitymaster
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J&K BANK vs ALLAHABAD 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

ALLAHABAD BANK 
   Change

Headquartered in Kolkata, Allahabad Bank was established in 1865. The bank had 2.1% share of the total non-food credit and 2.2% share of the total deposits in the banking sector in FY07. The bank has national presence through 2,107 branches and 208 A... More

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Current Valuations

    J&K BANK ALLAHABAD BANK J&K BANK/
ALLAHABAD BANK
 
P/E (TTM) x 4.2 -2.9 - View Chart
P/BV x 0.5 0.2 262.7% View Chart
Dividend Yield % 3.1 0.0 -  

Financials

 J&K BANK   ALLAHABAD BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ALLAHABAD BANK
Mar-16
J&K BANK/
ALLAHABAD BANK
5-Yr Chart
Click to enlarge
High Rs119109 109.4%   
Low Rs9541 230.0%   
Income per share (Unadj.) Rs1,456.5308.2 472.6%  
Earnings per share (Unadj.) Rs104.9-11.7 -894.3%  
Cash flow per share (Unadj.) Rs251.8-40.5 -621.0%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0233.8 538.9%  
Shares outstanding (eoy) m48.48613.80 7.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.2 30.2%   
Avg P/E ratio x1.0-6.4 -15.9%  
Avg P/CF ratio x0.31.0 33.5%  
Avg Price/Bookvalue ratio x0.10.3 26.5%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18546,035 11.3%   
No. of employees `0001.024.1 4.0%   
Total wages & salary Rs m8,97621,484 41.8%   
Avg. income/employee Rs Th73,553.47,836.4 938.6%   
Avg. wages/employee Rs Th9,349.6890.1 1,050.4%   
Avg. net profit/employee Rs Th5,296.7-298.2 -1,776.0%   
INCOME DATA
Interest income Rs m70,611189,148 37.3%  
Other income Rs m5,99020,883 28.7%   
Interest expense Rs m44,086129,851 34.0%   
Net interest income Rs m26,52659,297 44.7%  
Operating expense Rs m14,15938,598 36.7%   
Gross profit Rs m12,36620,700 59.7%  
Gross profit margin %17.510.9 160.0%  
Provisions/contingencies Rs m10,15552,552 19.3%   
Profit before tax Rs m8,202-10,969 -74.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m037 0.0%   
Tax Rs m3,117-3,734 -83.5%   
Profit after tax Rs m5,085-7,198 -70.6%  
Net profit margin %7.2-3.8 -189.2%  
BALANCE SHEET DATA
Advances Rs m445,8581,523,721 29.3%   
Deposits Rs m657,3622,006,244 32.8%  
Credit/Deposit ratio x67.875.9 89.3%  
Yield on advances %11.69.5 121.8%   
Cost of deposits %6.46.1 104.3%   
Net Interest Margin %3.62.6 139.2%  
Net fixed assets Rs m6,89632,664 21.1%   
Share capital Rs m4856,138 7.9%   
Free reserves Rs m39,49973,810 53.5%   
Net worth Rs m61,085143,514 42.6%   
Borrowings Rs m23,396148,144 15.8%   
Investments Rs m251,043561,602 44.7%   
Total assets Rs m760,6452,364,602 32.2%  
Debt/equity ratio x11.115.0 74.2%   
Return on assets %0.7-0.3 -219.6%  
Return on equity %8.3-5.0 -166.0%  
Capital adequacy ratio %12.610.7 117.1%  
Net NPAs %2.86.8 41.0%  
CASH FLOW
From Operations Rs m1,18118,876 6.3%  
From Investments Rs m-2,609-1,691 154.3%  
From Financial Activity Rs m-3,37610,188 -33.1%  
Net Cashflow Rs m-4,80527,373 -17.6%  

Share Holding

Indian Promoters % 53.2 58.9 90.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 17.9 24.0%  
FIIs % 29.3 8.1 361.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 15.1 88.1%  
Shareholders   56,111 216,693 25.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  SOUTH IND.BANK  ICICI BANK  

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



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Feb 19, 2018 (Close)

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