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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 3.6 -6.1 - View Chart
P/BV x 0.6 0.3 217.9% View Chart
Dividend Yield % 2.6 3.4 76.3%  

Financials

 J&K BANK   BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-15
BANK OF INDIA
Mar-16
J&K BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs119233 51.0%   
Low Rs9580 118.6%   
Income per share (Unadj.) Rs1,456.5515.5 282.5%  
Earnings per share (Unadj.) Rs104.9-33.8 -310.4%  
Cash flow per share (Unadj.) Rs251.8-112.8 -223.3%  
Dividends per share (Unadj.) Rs2.105.00 42.0%  
Avg Dividend yield %2.03.2 61.5%  
Book value per share (Unadj.) Rs1,260.0392.4 321.1%  
Shares outstanding (eoy) m48.48816.55 5.9%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.3 24.2%   
Avg P/E ratio x1.0-4.6 -22.0%  
Avg P/CF ratio x0.31.1 30.3%  
Avg Price/Bookvalue ratio x0.10.4 21.3%  
Dividend payout %2.0-14.8 -13.5%   
Avg Mkt Cap Rs m5,185127,913 4.1%   
No. of employees `0001.0NA-   
Total wages & salary Rs m8,97654,036 16.6%   
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 m70,611420,928 16.8%  
Other income Rs m5,99036,716 16.3%   
Interest expense Rs m44,086305,453 14.4%   
Net interest income Rs m26,526115,475 23.0%  
Operating expense Rs m14,15994,250 15.0%   
Gross profit Rs m12,36621,225 58.3%  
Gross profit margin %17.55.0 347.3%  
Provisions/contingencies Rs m10,155141,517 7.2%   
Profit before tax Rs m8,202-45,533 -18.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0717 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,117-17,226 -18.1%   
Profit after tax Rs m5,085-27,590 -18.4%  
Net profit margin %7.2-6.6 -109.9%  
BALANCE SHEET DATA
Advances Rs m445,8583,613,019 12.3%   
Deposits Rs m657,3625,157,225 12.7%  
Credit/Deposit ratio x67.870.1 96.8%  
Yield on advances %11.68.5 136.8%   
Cost of deposits %6.45.3 121.7%   
Net Interest Margin %3.62.0 182.5%  
Net fixed assets Rs m6,89685,729 8.0%   
Share capital Rs m4858,173 5.9%   
Free reserves Rs m39,499194,186 20.3%   
Net worth Rs m61,085320,420 19.1%   
Borrowings Rs m23,396511,033 4.6%   
Investments Rs m251,0431,226,209 20.5%   
Total assets Rs m760,6456,166,292 12.3%  
Debt/equity ratio x11.117.7 63.0%   
Return on assets %0.7-0.4 -149.4%  
Return on equity %8.3-8.6 -96.7%  
Capital adequacy ratio %12.612.1 104.3%  
Net NPAs %2.87.8 35.6%  
CASH FLOW
From Operations Rs m1,181183,108 0.6%  
From Investments Rs m-2,609-6,087 42.9%  
From Financial Activity Rs m-3,37648,637 -6.9%  
Net Cashflow Rs m-4,805225,658 -2.1%  

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:   DHANLAXMI BANK  BANK OF BARODA  FEDERAL BANK  SYNDICATE BANK  ICICI BANK  

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



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Aug 16, 2017 (Close)

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