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Compare J&K Bank with Bank of Maharashtra - Equitymaster
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J&K BANK vs BANK OF MAHARASHTRA - 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

BANK OF MAHARASHTRA 
   Change

Registered in 1935 with an authorised capital of Rs 1 m, Bank of Maharashtra (BoM) commenced business in 1936. The government held 78.95% stake in the bank at the end of March 2012 after an infusion from the government and a preferential allotment fr... More

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Current Valuations

    J&K BANK BANK OF MAHARASHTRA J&K BANK/
BANK OF MAHARASHTRA
 
P/E (TTM) x 3.5 -2.0 - View Chart
P/BV x 0.6 0.3 196.1% View Chart
Dividend Yield % 2.6 0.0 -  

Financials

 J&K BANK   BANK OF MAHARASHTRA
EQUITY SHARE DATA
    J&K BANK
Mar-15
BANK OF MAHARASHTRA
Mar-16
J&K BANK/
BANK OF MAHARASHTRA
5-Yr Chart
Click to enlarge
High Rs11944 269.0%   
Low Rs9527 354.5%   
Income per share (Unadj.) Rs1,456.5111.9 1,302.0%  
Earnings per share (Unadj.) Rs104.91.0 10,368.0%  
Cash flow per share (Unadj.) Rs251.89.1 2,770.8%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.075.8 1,661.5%  
Shares outstanding (eoy) m48.481,168.33 4.1%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.3 23.1%   
Avg P/E ratio x1.035.1 2.9%  
Avg P/CF ratio x0.32.0 16.8%  
Avg Price/Bookvalue ratio x0.10.5 18.1%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18541,476 12.5%   
No. of employees `0001.013.8 7.0%   
Total wages & salary Rs m8,97615,410 58.2%   
Avg. income/employee Rs Th73,553.49,495.2 774.6%   
Avg. wages/employee Rs Th9,349.61,119.5 835.2%   
Avg. net profit/employee Rs Th5,296.785.9 6,168.8%   
INCOME DATA
Interest income Rs m70,611130,701 54.0%  
Other income Rs m5,99010,201 58.7%   
Interest expense Rs m44,08691,736 48.1%   
Net interest income Rs m26,52638,965 68.1%  
Operating expense Rs m14,15925,538 55.4%   
Gross profit Rs m12,36613,428 92.1%  
Gross profit margin %17.510.3 170.5%  
Provisions/contingencies Rs m10,15519,275 52.7%   
Profit before tax Rs m8,2024,354 188.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1173,172 98.3%   
Profit after tax Rs m5,0851,182 430.2%  
Net profit margin %7.20.9 796.3%  
BALANCE SHEET DATA
Advances Rs m445,8581,075,627 41.5%   
Deposits Rs m657,3621,389,800 47.3%  
Credit/Deposit ratio x67.877.4 87.6%  
Yield on advances %11.69.2 125.3%   
Cost of deposits %6.46.1 105.5%   
Net Interest Margin %3.62.5 142.0%  
Net fixed assets Rs m6,89616,945 40.7%   
Share capital Rs m48511,683 4.2%   
Free reserves Rs m39,49943,798 90.2%   
Net worth Rs m61,08588,601 68.9%   
Borrowings Rs m23,39692,281 25.4%   
Investments Rs m251,043363,017 69.2%   
Total assets Rs m760,6451,610,288 47.2%  
Debt/equity ratio x11.116.7 66.6%   
Return on assets %0.70.1 910.8%  
Return on equity %8.31.3 624.0%  
Capital adequacy ratio %12.611.2 112.2%  
Net NPAs %2.86.4 43.3%  
CASH FLOW
From Operations Rs m1,18129,044 4.1%  
From Investments Rs m-2,609-1,510 172.8%  
From Financial Activity Rs m-3,376-1,864 181.1%  
Net Cashflow Rs m-4,80525,670 -18.7%  

Share Holding

Indian Promoters % 53.2 85.2 62.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 7.1 60.6%  
FIIs % 29.3 0.5 5,860.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 7.3 182.2%  
Shareholders   56,111 185,345 30.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   SBI  ORIENTAL BANK  PUNJAB & SIND BANK  DENA BANK  KOTAK MAH. BANK  

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



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Aug 23, 2017 (Close)

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