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Compare J&K Bank with Andhra Bank - Equitymaster
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J&K BANK vs ANDHRA 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

ANDHRA BANK 
   Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

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Current Valuations

    J&K BANK ANDHRA BANK J&K BANK/
ANDHRA BANK
 
P/E (TTM) x 4.3 -11.1 - View Chart
P/BV x 0.6 0.2 223.6% View Chart
Dividend Yield % 3.0 0.0 -  

Financials

 J&K BANK   ANDHRA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ANDHRA BANK
Mar-17
J&K BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs11965 184.3%   
Low Rs9545 212.1%   
Income per share (Unadj.) Rs1,456.5267.5 544.6%  
Earnings per share (Unadj.) Rs104.93.0 3,449.7%  
Cash flow per share (Unadj.) Rs251.822.9 1,099.3%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0167.8 750.9%  
Shares outstanding (eoy) m48.48681.16 7.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.2 35.9%   
Avg P/E ratio x1.018.0 5.7%  
Avg P/CF ratio x0.31.1 31.5%  
Avg Price/Bookvalue ratio x0.10.3 26.1%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18537,225 13.9%   
No. of employees `0001.019.4 5.0%   
Total wages & salary Rs m8,97621,365 42.0%   
Avg. income/employee Rs Th73,553.49,400.6 782.4%   
Avg. wages/employee Rs Th9,349.61,102.4 848.1%   
Avg. net profit/employee Rs Th5,296.7106.9 4,956.5%   
INCOME DATA
Interest income Rs m70,611182,183 38.8%  
Other income Rs m5,99030,856 19.4%   
Interest expense Rs m44,086124,960 35.3%   
Net interest income Rs m26,52657,223 46.4%  
Operating expense Rs m14,15944,046 32.1%   
Gross profit Rs m12,36613,177 93.8%  
Gross profit margin %17.57.2 242.1%  
Provisions/contingencies Rs m10,15532,366 31.4%   
Profit before tax Rs m8,2023,921 209.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,850 168.5%   
Profit after tax Rs m5,0852,071 245.5%  
Net profit margin %7.21.1 633.5%  
BALANCE SHEET DATA
Advances Rs m445,8581,368,709 32.6%   
Deposits Rs m657,3621,954,759 33.6%  
Credit/Deposit ratio x67.870.0 96.9%  
Yield on advances %11.69.9 116.5%   
Cost of deposits %6.46.0 106.9%   
Net Interest Margin %3.62.6 137.3%  
Net fixed assets Rs m6,89615,427 44.7%   
Share capital Rs m4856,812 7.1%   
Free reserves Rs m39,49950,355 78.4%   
Net worth Rs m61,085114,292 53.4%   
Borrowings Rs m23,39688,669 26.4%   
Investments Rs m251,043623,890 40.2%   
Total assets Rs m760,6452,254,463 33.7%  
Debt/equity ratio x11.117.9 62.3%   
Return on assets %0.70.1 727.7%  
Return on equity %8.31.8 459.4%  
Capital adequacy ratio %12.612.4 101.5%  
Net NPAs %2.87.6 36.6%  
CASH FLOW
From Operations Rs m1,181106,694 1.1%  
From Investments Rs m-2,609-1,587 164.4%  
From Financial Activity Rs m-3,376-17,004 19.9%  
Net Cashflow Rs m-4,80588,103 -5.5%  

Share Holding

Indian Promoters % 53.2 60.1 88.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 10.9 39.4%  
FIIs % 29.3 11.5 254.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 17.4 76.4%  
Shareholders   56,111 222,746 25.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   BANK OF INDIA  ING VYSYA BANK  YES BANK  INDUSIND BANK  DENA BANK  

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



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