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Compare J&K Bank with Bank of India - Equitymaster

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J&K BANK vs BANK OF INDIA - 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 INDIA 
   Change

With one of the most geographically diversified advance portfolio, Bank of India (BOI) is amongst the largest public sector banking entity in the country (in terms of asset size) with 5.8% share of the total non-food credit disbursals at the end of F... More

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Current Valuations

    J&K BANK BANK OF INDIA J&K BANK/
BANK OF INDIA
 
P/E (TTM) x 5.9 -1.0 - View Chart
P/BV x 0.4 0.2 223.8% View Chart
Dividend Yield % 3.9 0.0 -  

Financials

 J&K BANK   BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-15
BANK OF INDIA
Mar-17
J&K BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs119142 83.5%   
Low Rs9578 121.2%   
Income per share (Unadj.) Rs1,456.5374.9 388.5%  
Earnings per share (Unadj.) Rs104.91.6 6,642.5%  
Cash flow per share (Unadj.) Rs251.8-37.1 -679.4%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0302.2 417.0%  
Shares outstanding (eoy) m48.481,055.87 4.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.3 24.9%   
Avg P/E ratio x1.069.9 1.5%  
Avg P/CF ratio x0.30.9 36.2%  
Avg Price/Bookvalue ratio x0.10.4 23.2%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,185116,568 4.4%   
No. of employees `0001.0NA-   
Total wages & salary Rs m8,97654,491 16.5%   
Avg. income/employee Rs Th73,553.4NM-  
Avg. wages/employee Rs Th9,349.6NM-  
Avg. net profit/employee Rs Th5,296.7N.A.-  
INCOME DATA
Interest income Rs m70,611395,852 17.8%  
Other income Rs m5,99068,195 8.8%   
Interest expense Rs m44,086276,058 16.0%   
Net interest income Rs m26,526119,795 22.1%  
Operating expense Rs m14,15989,750 15.8%   
Gross profit Rs m12,36630,045 41.2%  
Gross profit margin %17.57.6 230.7%  
Provisions/contingencies Rs m10,155122,361 8.3%   
Profit before tax Rs m8,202-6,731 -121.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0214 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,117-8,184 -38.1%   
Profit after tax Rs m5,0851,667 305.0%  
Net profit margin %7.20.4 1,709.8%  
BALANCE SHEET DATA
Advances Rs m445,8583,683,288 12.1%   
Deposits Rs m657,3625,423,521 12.1%  
Credit/Deposit ratio x67.867.9 99.9%  
Yield on advances %11.67.4 155.6%   
Cost of deposits %6.44.5 141.2%   
Net Interest Margin %3.62.0 179.6%  
Net fixed assets Rs m6,89685,458 8.1%   
Share capital Rs m48510,554 4.6%   
Free reserves Rs m39,499211,157 18.7%   
Net worth Rs m61,085319,073 19.1%   
Borrowings Rs m23,396394,914 5.9%   
Investments Rs m251,0431,307,513 19.2%   
Total assets Rs m760,6456,320,260 12.0%  
Debt/equity ratio x11.118.2 61.1%   
Return on assets %0.70 2,534.2%  
Return on equity %8.30.5 1,593.1%  
Capital adequacy ratio %12.60-  
Net NPAs %2.87.2 38.6%  
CASH FLOW
From Operations Rs m1,181-66,241 -1.8%  
From Investments Rs m-2,609-3,711 70.3%  
From Financial Activity Rs m-3,37639,551 -8.5%  
Net Cashflow Rs m-4,805-30,400 15.8%  

Share Holding

Indian Promoters % 53.2 66.7 79.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 15.5 27.7%  
FIIs % 29.3 10.2 287.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 7.7 172.7%  
Shareholders   56,111 240,000 23.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   UNION BANK  VIJAYA BANK  DHANLAXMI BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



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