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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 7.0 -0.3 - View Chart
P/BV x 0.3 0.2 178.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   ANDHRA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
ANDHRA BANK
Mar-18
J&K BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs9676 125.8%   
Low Rs5533 167.2%   
Income per share (Unadj.) Rs1,189.2151.9 782.9%  
Earnings per share (Unadj.) Rs36.4-28.1 -129.7%  
Cash flow per share (Unadj.) Rs167.4-116.7 -143.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.991.2 1,212.3%  
Shares outstanding (eoy) m55.681,198.83 4.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.4 17.6%   
Avg P/E ratio x2.1-1.9 -106.6%  
Avg P/CF ratio x0.30.7 44.1%  
Avg Price/Bookvalue ratio x0.10.6 11.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,18265,156 6.4%   
No. of employees `0001.021.1 4.8%   
Total wages & salary Rs m12,86919,064 67.5%   
Avg. income/employee Rs Th64,852.18,628.8 751.6%   
Avg. wages/employee Rs Th12,604.2903.4 1,395.1%   
Avg. net profit/employee Rs Th1,985.2-1,595.0 -124.5%   
INCOME DATA
Interest income Rs m66,214182,085 36.4%  
Other income Rs m5,00830,969 16.2%   
Interest expense Rs m37,502116,398 32.2%   
Net interest income Rs m28,71265,687 43.7%  
Operating expense Rs m19,90242,852 46.4%   
Gross profit Rs m8,81022,835 38.6%  
Gross profit margin %13.312.5 106.1%  
Provisions/contingencies Rs m11,792128,687 9.2%   
Profit before tax Rs m1,209-54,413 -2.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0287 0.0%   
Tax Rs m-818-20,469 4.0%   
Profit after tax Rs m2,027-33,657 -6.0%  
Net profit margin %3.1-18.5 -16.6%  
BALANCE SHEET DATA
Advances Rs m569,1271,490,859 38.2%   
Deposits Rs m800,0452,080,929 38.4%  
Credit/Deposit ratio x71.171.6 99.3%  
Yield on advances %8.78.8 99.8%   
Cost of deposits %4.55.2 87.1%   
Net Interest Margin %3.42.8 121.4%  
Net fixed assets Rs m16,14914,854 108.7%   
Share capital Rs m55711,988 4.6%   
Free reserves Rs m32,33654,173 59.7%   
Net worth Rs m61,576109,363 56.3%   
Borrowings Rs m16,283183,121 8.9%   
Investments Rs m188,600679,398 27.8%   
Total assets Rs m896,8442,461,113 36.4%  
Debt/equity ratio x13.320.7 64.0%   
Return on assets %0.2-1.4 -16.5%  
Return on equity %3.3-30.8 -10.7%  
Capital adequacy ratio %11.411.0 103.8%  
Net NPAs %4.98.5 57.8%  
CASH FLOW
From Operations Rs m23,627-119,216 -19.8%  
From Investments Rs m-1,639-1,416 115.7%  
From Financial Activity Rs m6,684103,324 6.5%  
Net Cashflow Rs m28,672-17,215 -166.6%  

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  DHANLAXMI BANK  DCB BANK  VIJAYA BANK  

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



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