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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 4.1 -1.7 - View Chart
P/BV x 0.5 0.2 221.0% View Chart
Dividend Yield % 3.2 0.0 -  

Financials

 J&K BANK   BANK OF MAHARASHTRA
EQUITY SHARE DATA
    J&K BANK
Mar-15
BANK OF MAHARASHTRA
Mar-17
J&K BANK/
BANK OF MAHARASHTRA
5-Yr Chart
Click to enlarge
High Rs11939 307.2%   
Low Rs9528 345.5%   
Income per share (Unadj.) Rs1,456.5103.2 1,410.8%  
Earnings per share (Unadj.) Rs104.9-11.6 -903.6%  
Cash flow per share (Unadj.) Rs251.8-12.4 -2,038.5%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.063.9 1,971.0%  
Shares outstanding (eoy) m48.481,168.33 4.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.3 22.9%   
Avg P/E ratio x1.0-2.9 -35.8%  
Avg P/CF ratio x0.32.3 15.1%  
Avg Price/Bookvalue ratio x0.10.5 16.4%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18538,672 13.4%   
No. of employees `0001.013.0 7.4%   
Total wages & salary Rs m8,97618,073 49.7%   
Avg. income/employee Rs Th73,553.49,297.0 791.1%   
Avg. wages/employee Rs Th9,349.61,393.0 671.2%   
Avg. net profit/employee Rs Th5,296.7-1,045.2 -506.7%   
INCOME DATA
Interest income Rs m70,611120,620 58.5%  
Other income Rs m5,99015,089 39.7%   
Interest expense Rs m44,08688,863 49.6%   
Net interest income Rs m26,52631,757 83.5%  
Operating expense Rs m14,15928,568 49.6%   
Gross profit Rs m12,3663,189 387.8%  
Gross profit margin %17.52.6 662.5%  
Provisions/contingencies Rs m10,15530,718 33.1%   
Profit before tax Rs m8,202-12,281 -66.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,280 243.5%   
Profit after tax Rs m5,085-13,561 -37.5%  
Net profit margin %7.2-11.2 -64.1%  
BALANCE SHEET DATA
Advances Rs m445,858955,152 46.7%   
Deposits Rs m657,3621,390,402 47.3%  
Credit/Deposit ratio x67.868.7 98.7%  
Yield on advances %11.68.9 130.5%   
Cost of deposits %6.45.8 110.1%   
Net Interest Margin %3.62.1 171.6%  
Net fixed assets Rs m6,89615,861 43.5%   
Share capital Rs m48511,683 4.2%   
Free reserves Rs m39,49929,987 131.7%   
Net worth Rs m61,08574,689 81.8%   
Borrowings Rs m23,39681,367 28.8%   
Investments Rs m251,043386,770 64.9%   
Total assets Rs m760,6451,594,111 47.7%  
Debt/equity ratio x11.119.7 56.6%   
Return on assets %0.7-0.9 -78.6%  
Return on equity %8.3-18.2 -45.8%  
Capital adequacy ratio %12.611.2 112.4%  
Net NPAs %2.811.8 23.6%  
CASH FLOW
From Operations Rs m1,18174,983 1.6%  
From Investments Rs m-2,609-989 263.7%  
From Financial Activity Rs m-3,376-775 435.6%  
Net Cashflow Rs m-4,80573,219 -6.6%  

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:   ANDHRA BANK  SYNDICATE BANK  ICICI BANK  CANARA BANK  SOUTH IND.BANK  

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



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