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- J&K BANK - BANK OF BARODA
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 
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
Current Valuations
| J&K BANK | BANK OF BARODA | J&K BANK/ BANK OF BARODA |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | -1.2 | 8.3 | - | View Chart |
| P/BV | x | 0.2 | 0.3 | 88.5% | View Chart |
| Dividend Yield | % | 0.0 | 0.0 | - |
Financials
 J&K BANK  BANK OF BARODA |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-18 |
BANK OF BARODA Mar-20 |
J&K BANK/ BANK OF BARODA |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 96 | 144 | 66.6% | |
| Low | Rs | 55 | 47 | 116.0% | |
| Income per share (Unadj.) | Rs | 1,189.2 | 170.2 | 698.5% | |
| Earnings per share (Unadj.) | Rs | 36.4 | 2.0 | 1,818.4% | |
| Cash flow per share (Unadj.) | Rs | 167.4 | -5.1 | -3,264.9% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 1,105.9 | 164.2 | 673.4% | |
| Shares outstanding (eoy) | m | 55.68 | 4,634.23 | 1.2% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.1 | 0.6 | 11.3% | |
| Avg P/E ratio | x | 2.1 | 47.6 | 4.3% | |
| Avg P/CF ratio | x | 0.3 | 2.0 | 15.5% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 0.6 | 11.7% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 4,182 | 441,642 | 0.9% | |
| No. of employees | `000 | 1.0 | 84.3 | 1.2% | |
| Total wages & salary | Rs m | 12,869 | 92,792 | 13.9% | |
| Avg. income/employee | Rs Th | 64,852.1 | 9,360.7 | 692.8% | |
| Avg. wages/employee | Rs Th | 12,604.2 | 1,101.0 | 1,144.8% | |
| Avg. net profit/employee | Rs Th | 1,985.2 | 110.1 | 1,803.5% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 66,214 | 788,947 | 8.4% | |
| Other income | Rs m | 5,008 | 121,913 | 4.1% | |
| Interest expense | Rs m | 37,502 | 500,399 | 7.5% | |
| Net interest income | Rs m | 28,712 | 288,548 | 10.0% | |
| Operating expense | Rs m | 19,902 | 205,763 | 9.7% | |
| Gross profit | Rs m | 8,810 | 82,785 | 10.6% | |
| Gross profit margin | % | 13.3 | 10.5 | 126.8% | |
| Provisions/contingencies | Rs m | 11,792 | 217,038 | 5.4% | |
| Profit before tax | Rs m | 1,209 | -13,013 | -9.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 530 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -818 | -21,761 | 3.8% | |
| Profit after tax | Rs m | 2,027 | 9,278 | 21.8% | |
| Net profit margin | % | 3.1 | 1.2 | 260.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 569,127 | 7,065,397 | 8.1% | |
| Deposits | Rs m | 800,045 | 9,732,281 | 8.2% | |
| Credit/Deposit ratio | x | 71.1 | 72.6 | 98.0% | |
| Yield on advances | % | 8.7 | 7.9 | 111.4% | |
| Cost of deposits | % | 4.5 | 4.6 | 98.0% | |
| Net Interest Margin | % | 3.4 | 2.6 | 133.5% | |
| Net fixed assets | Rs m | 16,149 | 90,438 | 17.9% | |
| Share capital | Rs m | 557 | 9,254 | 6.0% | |
| Free reserves | Rs m | 32,336 | 751,789 | 4.3% | |
| Net worth | Rs m | 61,576 | 761,043 | 8.1% | |
| Borrowings | Rs m | 16,283 | 957,527 | 1.7% | |
| Investments | Rs m | 188,600 | 2,897,267 | 6.5% | |
| Total assets | Rs m | 896,844 | 11,999,421 | 7.5% | |
| Debt/equity ratio | x | 13.3 | 14.0 | 94.4% | |
| Return on assets | % | 0.2 | 0.1 | 292.3% | |
| Return on equity | % | 3.3 | 1.2 | 270.0% | |
| Capital adequacy ratio | % | 11.4 | 13.3 | 85.9% | |
| Net NPAs | % | 4.9 | 3.1 | 156.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 23,627 | 9,295 | 254.2% | |
| From Investments | Rs m | -1,639 | 1,410 | -116.2% | |
| From Financial Activity | Rs m | 6,684 | 145,897 | 4.6% | |
| Net Cashflow | Rs m | 28,672 | 326,715 | 8.8% | |
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 | - |
Compare J&K BANK With: KARNATAKA BANK ALLAHABAD BANK AXIS BANK UNITED BANK OF INDIA UNION BANK
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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