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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 | 3.6 | 33.8 | 10.5% | View Chart |
| P/BV | x | 0.3 | 0.4 | 60.4% | 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-19 |
J&K BANK/ BANK OF BARODA |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 96 | 157 | 60.8% | |
| Low | Rs | 55 | 91 | 60.1% | |
| Income per share (Unadj.) | Rs | 1,189.2 | 199.0 | 597.7% | |
| Earnings per share (Unadj.) | Rs | 36.4 | 4.1 | 879.9% | |
| Cash flow per share (Unadj.) | Rs | 167.4 | 1.2 | 14,240.7% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 1,105.9 | 187.9 | 588.7% | |
| Shares outstanding (eoy) | m | 55.68 | 2,659.18 | 2.1% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.1 | 0.6 | 10.1% | |
| Avg P/E ratio | x | 2.1 | 30.0 | 6.9% | |
| Avg P/CF ratio | x | 0.3 | 2.2 | 13.8% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 0.7 | 10.3% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 4,182 | 329,938 | 1.3% | |
| No. of employees | `000 | 1.0 | 55.8 | 1.8% | |
| Total wages & salary | Rs m | 12,869 | 54,341 | 23.7% | |
| Avg. income/employee | Rs Th | 64,852.1 | 9,489.2 | 683.4% | |
| Avg. wages/employee | Rs Th | 12,604.2 | 974.7 | 1,293.2% | |
| Avg. net profit/employee | Rs Th | 1,985.2 | 197.3 | 1,006.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 66,214 | 529,062 | 12.5% | |
| Other income | Rs m | 5,008 | 78,871 | 6.4% | |
| Interest expense | Rs m | 37,502 | 325,057 | 11.5% | |
| Net interest income | Rs m | 28,712 | 204,005 | 14.1% | |
| Operating expense | Rs m | 19,902 | 127,690 | 15.6% | |
| Gross profit | Rs m | 8,810 | 76,316 | 11.5% | |
| Gross profit margin | % | 13.3 | 14.4 | 92.2% | |
| Provisions/contingencies | Rs m | 11,792 | 139,940 | 8.4% | |
| Profit before tax | Rs m | 1,209 | 14,714 | 8.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 662 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -818 | 4,375 | -18.7% | |
| Profit after tax | Rs m | 2,027 | 11,001 | 18.4% | |
| Net profit margin | % | 3.1 | 2.1 | 147.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 569,127 | 4,842,148 | 11.8% | |
| Deposits | Rs m | 800,045 | 6,655,887 | 12.0% | |
| Credit/Deposit ratio | x | 71.1 | 72.7 | 97.8% | |
| Yield on advances | % | 8.7 | 7.4 | 118.9% | |
| Cost of deposits | % | 4.5 | 4.3 | 105.2% | |
| Net Interest Margin | % | 3.4 | 2.6 | 130.3% | |
| Net fixed assets | Rs m | 16,149 | 71,437 | 22.6% | |
| Share capital | Rs m | 557 | 5,304 | 10.5% | |
| Free reserves | Rs m | 32,336 | 494,238 | 6.5% | |
| Net worth | Rs m | 61,576 | 499,541 | 12.3% | |
| Borrowings | Rs m | 16,283 | 688,675 | 2.4% | |
| Investments | Rs m | 188,600 | 1,957,162 | 9.6% | |
| Total assets | Rs m | 896,844 | 8,196,719 | 10.9% | |
| Debt/equity ratio | x | 13.3 | 14.7 | 90.2% | |
| Return on assets | % | 0.2 | 0.1 | 168.4% | |
| Return on equity | % | 3.3 | 2.2 | 149.5% | |
| Capital adequacy ratio | % | 11.4 | 13.4 | 85.1% | |
| Net NPAs | % | 4.9 | 3.3 | 147.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 23,627 | -14,491 | -163.0% | |
| From Investments | Rs m | -1,639 | -25,374 | 6.5% | |
| From Financial Activity | Rs m | 6,684 | 44,485 | 15.0% | |
| Net Cashflow | Rs m | 28,672 | 4,621 | 620.5% | |
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: INDUSIND BANK ICICI BANK INDIAN OVERSEAS BANK UNITED BANK OF INDIA CANARA BANK
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Today's Market
Sensex Ends 334 Points Lower; IT and Telecom Stocks Witness Huge Selling(Closing)
India share markets witnessed selling pressure during closing hours and ended their day deep in the red. At the closing bell, the BSE Sensex stood lower by 334 points (down 0.9%).
Related Views on News
J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)
Aug 5, 2019 | Updated on Aug 5, 2019For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.
BANK OF BARODA Announces Quarterly Results (1QFY20); Net Profit Up 34.4% (Quarterly Result Update)
Jul 29, 2019 | Updated on Jul 29, 2019For the quarter ended June 2019, BANK OF BARODA has posted a net profit of Rs 7 bn (up 34.4% YoY). Sales on the other hand came in at Rs 189 bn (up 62.8% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.
BANK OF BARODA Announces Quarterly Results (4QFY19); Net Profit Up 68.0% (Quarterly Result Update)
May 24, 2019 | Updated on May 24, 2019For the quarter ended March 2019, BANK OF BARODA has posted a net profit of Rs 10 bn (up 68.0% YoY). Sales on the other hand came in at Rs 133 bn (up 20.6% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.
J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)
May 17, 2019 | Updated on May 17, 2019For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.
BANK OF BARODA Announces Quarterly Results (3QFY19); Net Profit Up 321.6% (Quarterly Result Update)
Jan 30, 2019 | Updated on Jan 30, 2019For the quarter ended December 2018, BANK OF BARODA has posted a net profit of Rs 5 bn (up 321.6% YoY). Sales on the other hand came in at Rs 129 bn (up 14.5% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.
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