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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 11.2 -0.4 - View Chart
P/BV x 0.4 0.2 260.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   ANDHRA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
ANDHRA BANK
Mar-18
J&K BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs9276 120.9%   
Low Rs5533 167.5%   
Income per share (Unadj.) Rs1,282.5151.9 844.4%  
Earnings per share (Unadj.) Rs-313.3-28.1 1,115.8%  
Cash flow per share (Unadj.) Rs-496.9-116.7 425.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.591.2 1,192.1%  
Shares outstanding (eoy) m52.131,198.83 4.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.4 16.0%   
Avg P/E ratio x-0.2-1.9 12.1%  
Avg P/CF ratio x0.30.7 47.7%  
Avg Price/Bookvalue ratio x0.10.6 11.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,82165,156 5.9%   
No. of employees `0000.921.1 4.4%   
Total wages & salary Rs m11,22519,064 58.9%   
Avg. income/employee Rs Th72,278.98,628.8 837.6%   
Avg. wages/employee Rs Th12,135.6903.4 1,343.3%   
Avg. net profit/employee Rs Th-17,653.9-1,595.0 1,106.8%   
INCOME DATA
Interest income Rs m66,858182,085 36.7%  
Other income Rs m4,97330,969 16.1%   
Interest expense Rs m41,730116,398 35.9%   
Net interest income Rs m25,12865,687 38.3%  
Operating expense Rs m17,16442,852 40.1%   
Gross profit Rs m7,96422,835 34.9%  
Gross profit margin %11.912.5 95.0%  
Provisions/contingencies Rs m28,003128,687 21.8%   
Profit before tax Rs m-15,067-54,413 27.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0287 0.0%   
Tax Rs m1,263-20,469 -6.2%   
Profit after tax Rs m-16,330-33,657 48.5%  
Net profit margin %-24.4-18.5 132.1%  
BALANCE SHEET DATA
Advances Rs m498,1611,490,859 33.4%   
Deposits Rs m724,5902,080,929 34.8%  
Credit/Deposit ratio x68.871.6 96.0%  
Yield on advances %9.68.8 109.5%   
Cost of deposits %5.65.2 108.6%   
Net Interest Margin %3.32.8 116.8%  
Net fixed assets Rs m15,43714,854 103.9%   
Share capital Rs m52211,988 4.4%   
Free reserves Rs m27,88554,173 51.5%   
Net worth Rs m56,692109,363 51.8%   
Borrowings Rs m12,761183,121 7.0%   
Investments Rs m212,709679,398 31.3%   
Total assets Rs m820,1212,461,113 33.3%  
Debt/equity ratio x13.020.7 62.8%   
Return on assets %-2.0-1.4 145.6%  
Return on equity %-28.8-30.8 93.6%  
Capital adequacy ratio %10.811.0 98.2%  
Net NPAs %5.18.5 59.7%  
CASH FLOW
From Operations Rs m24,571-119,216 -20.6%  
From Investments Rs m-8,614-1,416 608.3%  
From Financial Activity Rs m5,929103,324 5.7%  
Net Cashflow Rs m21,886-17,215 -127.1%  

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:   ORIENTAL BANK  BANDHAN BANK LTD  CANARA BANK  IDBI BANK  IDFC BANK LTD  

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



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Sep 19, 2018 (Close)

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