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Compare J&K Bank with Bank of Baroda - Equitymaster

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J&K BANK vs BANK OF BARODA - 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 BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    J&K BANK BANK OF BARODA J&K BANK/
BANK OF BARODA
 
P/E (TTM) x 3.9 37.1 10.6% View Chart
P/BV x 0.4 0.7 56.8% View Chart
Dividend Yield % 4.1 0.9 457.0%  

Financials

 J&K BANK   BANK OF BARODA
EQUITY SHARE DATA
    J&K BANK
Mar-15
BANK OF BARODA
Mar-17
J&K BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs119192 62.0%   
Low Rs95128 74.0%   
Income per share (Unadj.) Rs1,456.5191.9 759.1%  
Earnings per share (Unadj.) Rs104.97.8 1,339.4%  
Cash flow per share (Unadj.) Rs251.817.1 1,469.5%  
Dividends per share (Unadj.) Rs2.101.20 175.0%  
Avg Dividend yield %2.00.7 261.8%  
Book value per share (Unadj.) Rs1,260.0185.8 678.1%  
Shares outstanding (eoy) m48.482,317.83 2.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.8 8.8%   
Avg P/E ratio x1.020.4 5.0%  
Avg P/CF ratio x0.33.3 10.3%  
Avg Price/Bookvalue ratio x0.10.9 9.9%  
Dividend payout %2.015.3 13.1%   
Avg Mkt Cap Rs m5,185370,911 1.4%   
No. of employees `0001.052.4 1.8%   
Total wages & salary Rs m8,97648,887 18.4%   
Avg. income/employee Rs Th73,553.48,484.1 867.0%   
Avg. wages/employee Rs Th9,349.6932.6 1,002.5%   
Avg. net profit/employee Rs Th5,296.7346.2 1,529.8%   
INCOME DATA
Interest income Rs m70,611444,735 15.9%  
Other income Rs m5,99079,368 7.5%   
Interest expense Rs m44,086295,957 14.9%   
Net interest income Rs m26,526148,777 17.8%  
Operating expense Rs m14,159103,498 13.7%   
Gross profit Rs m12,36645,279 27.3%  
Gross profit margin %17.510.2 172.0%  
Provisions/contingencies Rs m10,15594,404 10.8%   
Profit before tax Rs m8,20231,019 26.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-400 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,11712,469 25.0%   
Profit after tax Rs m5,08518,150 28.0%  
Net profit margin %7.24.1 176.5%  
BALANCE SHEET DATA
Advances Rs m445,8583,922,623 11.4%   
Deposits Rs m657,3626,172,569 10.6%  
Credit/Deposit ratio x67.863.5 106.7%  
Yield on advances %11.67.3 159.4%   
Cost of deposits %6.44.5 142.9%   
Net Interest Margin %3.62.2 166.8%  
Net fixed assets Rs m6,89659,297 11.6%   
Share capital Rs m4854,621 10.5%   
Free reserves Rs m39,499212,918 18.6%   
Net worth Rs m61,085430,676 14.2%   
Borrowings Rs m23,396312,420 7.5%   
Investments Rs m251,0431,407,164 17.8%   
Total assets Rs m760,6457,192,205 10.6%  
Debt/equity ratio x11.115.1 74.0%   
Return on assets %0.70.3 264.9%  
Return on equity %8.34.2 197.5%  
Capital adequacy ratio %12.612.2 102.7%  
Net NPAs %2.84.7 58.7%  
CASH FLOW
From Operations Rs m1,181178,648 0.7%  
From Investments Rs m-2,609-5,506 47.4%  
From Financial Activity Rs m-3,376-1,983 170.3%  
Net Cashflow Rs m-4,805171,159 -2.8%  

Share Holding

Indian Promoters % 53.2 56.3 94.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 16.6 25.9%  
FIIs % 29.3 15.6 187.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 11.5 115.3%  
Shareholders   56,111 180,376 31.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   AXIS BANK  DHANLAXMI BANK  IDBI BANK  VIJAYA BANK  INDUSIND BANK  

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



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May 22, 2018 (Close)

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