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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 7.8 -13.0 - View Chart
P/BV x 0.3 0.6 59.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   BANK OF BARODA
EQUITY SHARE DATA
    J&K BANK
Mar-17
BANK OF BARODA
Mar-18
J&K BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs92207 44.5%   
Low Rs55128 42.6%   
Income per share (Unadj.) Rs1,282.5198.7 645.4%  
Earnings per share (Unadj.) Rs-313.3-8.1 3,847.5%  
Cash flow per share (Unadj.) Rs-496.9-28.5 1,741.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.5202.1 538.2%  
Shares outstanding (eoy) m52.132,317.83 2.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.8 6.8%   
Avg P/E ratio x-0.2-20.6 1.1%  
Avg P/CF ratio x0.32.8 11.8%  
Avg Price/Bookvalue ratio x0.10.8 8.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,821388,005 1.0%   
No. of employees `0000.955.7 1.7%   
Total wages & salary Rs m11,22549,016 22.9%   
Avg. income/employee Rs Th72,278.98,274.3 873.5%   
Avg. wages/employee Rs Th12,135.6880.6 1,378.1%   
Avg. net profit/employee Rs Th-17,653.9-339.0 5,207.2%   
INCOME DATA
Interest income Rs m66,858460,564 14.5%  
Other income Rs m4,97379,922 6.2%   
Interest expense Rs m41,730291,605 14.3%   
Net interest income Rs m25,128168,959 14.9%  
Operating expense Rs m17,164113,266 15.2%   
Gross profit Rs m7,96455,693 14.3%  
Gross profit margin %11.912.1 98.5%  
Provisions/contingencies Rs m28,003158,609 17.7%   
Profit before tax Rs m-15,067-20,294 74.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-513 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,263-1,936 -65.2%   
Profit after tax Rs m-16,330-18,871 86.5%  
Net profit margin %-24.4-4.1 596.1%  
BALANCE SHEET DATA
Advances Rs m498,1614,379,413 11.4%   
Deposits Rs m724,5906,074,514 11.9%  
Credit/Deposit ratio x68.872.1 95.4%  
Yield on advances %9.66.9 139.7%   
Cost of deposits %5.64.4 127.3%   
Net Interest Margin %3.32.4 135.0%  
Net fixed assets Rs m15,43755,323 27.9%   
Share capital Rs m5225,304 9.8%   
Free reserves Rs m27,885317,378 8.8%   
Net worth Rs m56,692468,388 12.1%   
Borrowings Rs m12,761648,598 2.0%   
Investments Rs m212,7091,586,777 13.4%   
Total assets Rs m820,1217,478,049 11.0%  
Debt/equity ratio x13.014.4 90.6%   
Return on assets %-2.0-0.3 789.0%  
Return on equity %-28.8-4.0 714.9%  
Capital adequacy ratio %10.812.1 89.0%  
Net NPAs %5.15.5 92.2%  
CASH FLOW
From Operations Rs m24,571-596,917 -4.1%  
From Investments Rs m-8,614-4,136 208.2%  
From Financial Activity Rs m5,92934,131 17.4%  
Net Cashflow Rs m21,886-566,923 -3.9%  

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:   ANDHRA BANK  SOUTH IND.BANK  BANK OF INDIA  CANARA BANK  SYNDICATE BANK  

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



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