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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 3.5 16.2 21.9% View Chart
P/BV x 0.6 0.3 226.7% View Chart
Dividend Yield % 2.6 1.0 268.2%  

Financials

 J&K BANK   ANDHRA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ANDHRA BANK
Mar-16
J&K BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs11988 135.9%   
Low Rs9542 227.3%   
Income per share (Unadj.) Rs1,456.5258.9 562.6%  
Earnings per share (Unadj.) Rs104.97.9 1,323.4%  
Cash flow per share (Unadj.) Rs251.814.3 1,761.8%  
Dividends per share (Unadj.) Rs2.100.50 420.0%  
Avg Dividend yield %2.00.8 253.9%  
Book value per share (Unadj.) Rs1,260.0161.4 780.6%  
Shares outstanding (eoy) m48.48681.16 7.1%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.10.2 29.4%   
Avg P/E ratio x1.08.2 12.5%  
Avg P/CF ratio x0.31.3 27.0%  
Avg Price/Bookvalue ratio x0.10.4 21.2%  
Dividend payout %2.06.3 31.7%   
Avg Mkt Cap Rs m5,18544,037 11.8%   
No. of employees `0001.018.7 5.1%   
Total wages & salary Rs m8,97617,679 50.8%   
Avg. income/employee Rs Th73,553.49,452.6 778.1%   
Avg. wages/employee Rs Th9,349.6947.6 986.6%   
Avg. net profit/employee Rs Th5,296.7289.4 1,830.4%   
INCOME DATA
Interest income Rs m70,611176,347 40.0%  
Other income Rs m5,99015,645 38.3%   
Interest expense Rs m44,086123,137 35.8%   
Net interest income Rs m26,52653,210 49.9%  
Operating expense Rs m14,15929,254 48.4%   
Gross profit Rs m12,36623,955 51.6%  
Gross profit margin %17.513.6 128.9%  
Provisions/contingencies Rs m10,15529,560 34.4%   
Profit before tax Rs m8,20210,040 81.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1174,642 67.2%   
Profit after tax Rs m5,0855,398 94.2%  
Net profit margin %7.23.1 235.2%  
BALANCE SHEET DATA
Advances Rs m445,8581,307,879 34.1%   
Deposits Rs m657,3621,743,024 37.7%  
Credit/Deposit ratio x67.875.0 90.4%  
Yield on advances %11.610.3 112.4%   
Cost of deposits %6.46.5 97.7%   
Net Interest Margin %3.62.7 131.5%  
Net fixed assets Rs m6,89613,684 50.4%   
Share capital Rs m4856,812 7.1%   
Free reserves Rs m39,49950,615 78.0%   
Net worth Rs m61,085109,944 55.6%   
Borrowings Rs m23,39697,156 24.1%   
Investments Rs m251,043538,642 46.6%   
Total assets Rs m760,6451,999,618 38.0%  
Debt/equity ratio x11.116.7 66.6%   
Return on assets %0.70.3 247.6%  
Return on equity %8.34.9 169.5%  
Capital adequacy ratio %12.611.6 108.5%  
Net NPAs %2.84.6 60.1%  
CASH FLOW
From Operations Rs m1,18177,096 1.5%  
From Investments Rs m-2,609-2,707 96.4%  
From Financial Activity Rs m-3,376-61,303 5.5%  
Net Cashflow Rs m-4,80513,086 -36.7%  

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:   CANARA BANK  PNB  INDUSIND BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

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



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Aug 23, 2017 (Close)

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