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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 -0.8 3.7 - View Chart
P/BV x 0.2 0.1 205.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-18
BANK OF INDIA
Mar-19
J&K BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs96119 80.6%   
Low Rs5573 74.5%   
Income per share (Unadj.) Rs1,189.2148.5 800.6%  
Earnings per share (Unadj.) Rs36.43.3 1,108.6%  
Cash flow per share (Unadj.) Rs167.4-29.9 -559.9%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.9155.8 709.7%  
Shares outstanding (eoy) m55.682,760.47 2.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.6 9.8%   
Avg P/E ratio x2.129.2 7.1%  
Avg P/CF ratio x0.31.5 20.3%  
Avg Price/Bookvalue ratio x0.10.6 11.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,182264,867 1.6%   
No. of employees `0001.0NA-   
Total wages & salary Rs m12,86960,210 21.4%   
Avg. income/employee Rs Th64,852.1NM-  
Avg. wages/employee Rs Th12,604.2NM-  
Avg. net profit/employee Rs Th1,985.2N.A.-  
INCOME DATA
Interest income Rs m66,214410,048 16.1%  
Other income Rs m5,00852,640 9.5%   
Interest expense Rs m37,502272,071 13.8%   
Net interest income Rs m28,712137,977 20.8%  
Operating expense Rs m19,902108,670 18.3%   
Gross profit Rs m8,81029,307 30.1%  
Gross profit margin %13.37.1 186.2%  
Provisions/contingencies Rs m11,792168,586 7.0%   
Profit before tax Rs m1,209-22,596 -5.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-5 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-818-31,665 2.6%   
Profit after tax Rs m2,0279,065 22.4%  
Net profit margin %3.12.2 138.5%  
BALANCE SHEET DATA
Advances Rs m569,1273,429,663 16.6%   
Deposits Rs m800,0455,225,550 15.3%  
Credit/Deposit ratio x71.165.6 108.4%  
Yield on advances %8.77.9 110.1%   
Cost of deposits %4.54.4 102.6%   
Net Interest Margin %3.42.3 145.8%  
Net fixed assets Rs m16,14989,991 17.9%   
Share capital Rs m55727,600 2.0%   
Free reserves Rs m32,336402,539 8.0%   
Net worth Rs m61,576430,140 14.3%   
Borrowings Rs m16,283442,652 3.7%   
Investments Rs m188,6001,509,050 12.5%   
Total assets Rs m896,8446,308,839 14.2%  
Debt/equity ratio x13.313.2 100.6%   
Return on assets %0.20.1 157.3%  
Return on equity %3.32.1 156.2%  
Capital adequacy ratio %11.414.2 80.5%  
Net NPAs %4.95.6 87.3%  
CASH FLOW
From Operations Rs m23,627-92,181 -25.6%  
From Investments Rs m-1,639711 -230.6%  
From Financial Activity Rs m6,68479,828 8.4%  
Net Cashflow Rs m28,672-11,642 -246.3%  

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:   ICICI BANK  ING VYSYA BANK  RBL BANK LTD  CITY UNION BANK  HDFC BANK  

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



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Jul 9, 2020 01:37 PM

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