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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 10.0 -0.9 - View Chart
P/BV x 0.4 0.1 270.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-17
BANK OF INDIA
Mar-18
J&K BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs92217 42.4%   
Low Rs5591 59.7%   
Income per share (Unadj.) Rs1,282.5219.7 583.9%  
Earnings per share (Unadj.) Rs-313.3-4.5 6,939.5%  
Cash flow per share (Unadj.) Rs-496.9-57.2 868.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.5210.7 516.0%  
Shares outstanding (eoy) m52.131,744.16 3.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.7 8.1%   
Avg P/E ratio x-0.2-34.1 0.7%  
Avg P/CF ratio x0.31.8 18.4%  
Avg Price/Bookvalue ratio x0.10.7 9.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,821268,775 1.4%   
No. of employees `0000.9NA-   
Total wages & salary Rs m11,22549,632 22.6%   
Avg. income/employee Rs Th72,278.9NM-  
Avg. wages/employee Rs Th12,135.6NM-  
Avg. net profit/employee Rs Th-17,653.9N.A.-  
INCOME DATA
Interest income Rs m66,858383,128 17.5%  
Other income Rs m4,97358,459 8.5%   
Interest expense Rs m41,730276,788 15.1%   
Net interest income Rs m25,128106,340 23.6%  
Operating expense Rs m17,16492,652 18.5%   
Gross profit Rs m7,96413,688 58.2%  
Gross profit margin %11.93.6 333.4%  
Provisions/contingencies Rs m28,003158,746 17.6%   
Profit before tax Rs m-15,067-33,947 44.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0204 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,263-25,870 -4.9%   
Profit after tax Rs m-16,330-7,873 207.4%  
Net profit margin %-24.4-2.1 1,188.6%  
BALANCE SHEET DATA
Advances Rs m498,1613,432,889 14.5%   
Deposits Rs m724,5905,229,969 13.9%  
Credit/Deposit ratio x68.865.6 104.7%  
Yield on advances %9.67.4 130.3%   
Cost of deposits %5.64.7 121.0%   
Net Interest Margin %3.31.8 179.1%  
Net fixed assets Rs m15,43783,499 18.5%   
Share capital Rs m52217,437 3.0%   
Free reserves Rs m27,885310,409 9.0%   
Net worth Rs m56,692367,565 15.4%   
Borrowings Rs m12,761435,983 2.9%   
Investments Rs m212,7091,403,211 15.2%   
Total assets Rs m820,1216,151,843 13.3%  
Debt/equity ratio x13.015.4 84.4%   
Return on assets %-2.0-0.1 1,555.8%  
Return on equity %-28.8-2.1 1,344.7%  
Capital adequacy ratio %10.812.9 83.5%  
Net NPAs %5.18.3 61.3%  
CASH FLOW
From Operations Rs m24,571-73,660 -33.4%  
From Investments Rs m-8,614-2,599 331.4%  
From Financial Activity Rs m5,92971,854 8.3%  
Net Cashflow Rs m21,886-4,405 -496.9%  

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:   BANDHAN BANK LTD  KARUR VYSYA BANK  PNB  PUNJAB & SIND BANK  VIJAYA BANK  

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



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Indian Indices End Positively, Aavas Financiers IPO, and Top Stocks in Action Today(Pre-Open)

Share markets in India ended on a positive note yesterday with gains largely seen in the banking sector and healthcare sector.

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BANK OF INDIA Announces Quarterly Results (1QFY19); Net Profit Up 8.4% (Quarterly Result Update)

Aug 3, 2018 | Updated on Aug 3, 2018

For the quarter ended June 2018, BANK OF INDIA has posted a net profit of Rs 951 m (up 8.4% YoY). Sales on the other hand came in at Rs 100 bn (up 5.4% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

J&K BANK Announces Quarterly Results (1QFY19); Net Profit Down 80.4% (Quarterly Result Update)

Jul 27, 2018 | Updated on Jul 27, 2018

For the quarter ended June 2018, J&K BANK has posted a net profit of Rs 526 m (down 80.4% YoY). Sales on the other hand came in at Rs 18 bn (up 4.9% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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