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- J&K BANK - BANK OF INDIA
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 
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
Current Valuations
| J&K BANK | BANK OF INDIA | J&K BANK/ BANK OF INDIA |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | -1.3 | 5.9 | - | View Chart |
| P/BV | x | 0.2 | 0.1 | 196.1% | 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 | Rs | 96 | 119 | 80.6% | |
| Low | Rs | 55 | 73 | 74.5% | |
| Income per share (Unadj.) | Rs | 1,189.2 | 148.5 | 800.6% | |
| Earnings per share (Unadj.) | Rs | 36.4 | 3.3 | 1,108.6% | |
| Cash flow per share (Unadj.) | Rs | 167.4 | -29.9 | -559.9% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 1,105.9 | 155.8 | 709.7% | |
| Shares outstanding (eoy) | m | 55.68 | 2,760.47 | 2.0% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.1 | 0.6 | 9.8% | |
| Avg P/E ratio | x | 2.1 | 29.2 | 7.1% | |
| Avg P/CF ratio | x | 0.3 | 1.5 | 20.3% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 0.6 | 11.0% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 4,182 | 264,867 | 1.6% | |
| No. of employees | `000 | 1.0 | NA | - | |
| Total wages & salary | Rs m | 12,869 | 60,210 | 21.4% | |
| Avg. income/employee | Rs Th | 64,852.1 | NM | - | |
| Avg. wages/employee | Rs Th | 12,604.2 | NM | - | |
| Avg. net profit/employee | Rs Th | 1,985.2 | N.A. | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 66,214 | 410,048 | 16.1% | |
| Other income | Rs m | 5,008 | 52,640 | 9.5% | |
| Interest expense | Rs m | 37,502 | 272,071 | 13.8% | |
| Net interest income | Rs m | 28,712 | 137,977 | 20.8% | |
| Operating expense | Rs m | 19,902 | 108,670 | 18.3% | |
| Gross profit | Rs m | 8,810 | 29,307 | 30.1% | |
| Gross profit margin | % | 13.3 | 7.1 | 186.2% | |
| Provisions/contingencies | Rs m | 11,792 | 168,586 | 7.0% | |
| Profit before tax | Rs m | 1,209 | -22,596 | -5.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -5 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -818 | -31,665 | 2.6% | |
| Profit after tax | Rs m | 2,027 | 9,065 | 22.4% | |
| Net profit margin | % | 3.1 | 2.2 | 138.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 569,127 | 3,429,663 | 16.6% | |
| Deposits | Rs m | 800,045 | 5,225,550 | 15.3% | |
| Credit/Deposit ratio | x | 71.1 | 65.6 | 108.4% | |
| Yield on advances | % | 8.7 | 7.9 | 110.1% | |
| Cost of deposits | % | 4.5 | 4.4 | 102.6% | |
| Net Interest Margin | % | 3.4 | 2.3 | 145.8% | |
| Net fixed assets | Rs m | 16,149 | 89,991 | 17.9% | |
| Share capital | Rs m | 557 | 27,600 | 2.0% | |
| Free reserves | Rs m | 32,336 | 402,539 | 8.0% | |
| Net worth | Rs m | 61,576 | 430,140 | 14.3% | |
| Borrowings | Rs m | 16,283 | 442,652 | 3.7% | |
| Investments | Rs m | 188,600 | 1,509,050 | 12.5% | |
| Total assets | Rs m | 896,844 | 6,308,839 | 14.2% | |
| Debt/equity ratio | x | 13.3 | 13.2 | 100.6% | |
| Return on assets | % | 0.2 | 0.1 | 157.3% | |
| Return on equity | % | 3.3 | 2.1 | 156.2% | |
| Capital adequacy ratio | % | 11.4 | 14.2 | 80.5% | |
| Net NPAs | % | 4.9 | 5.6 | 87.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 23,627 | -92,181 | -25.6% | |
| From Investments | Rs m | -1,639 | 711 | -230.6% | |
| From Financial Activity | Rs m | 6,684 | 79,828 | 8.4% | |
| Net Cashflow | Rs m | 28,672 | -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 | - |
Compare J&K BANK With: SBI ORIENTAL BANK DCB BANK BANK OF BARODA KOTAK MAHINDRA BANK
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
Today's Market
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Related Views on News
BANK OF INDIA Announces Quarterly Results (2QFY20); Net Profit Up 123.0% (Quarterly Result Update)
Nov 4, 2019 | Updated on Nov 4, 2019For the quarter ended September 2019, BANK OF INDIA has posted a net profit of Rs 3 bn (up 123.0% YoY). Sales on the other hand came in at Rs 107 bn (up 9.1% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.
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 INDIA Announces Quarterly Results (1QFY20); Net Profit Up 155.1% (Quarterly Result Update)
Jul 31, 2019 | Updated on Jul 31, 2019For the quarter ended June 2019, BANK OF INDIA has posted a net profit of Rs 2 bn (up 155.1% YoY). Sales on the other hand came in at Rs 103 bn (up 3.2% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.
BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 106.3% (Quarterly Result Update)
May 21, 2019 | Updated on May 21, 2019For the quarter ended March 2019, BANK OF INDIA has posted a net profit of Rs 3 bn (up 106.3% YoY). Sales on the other hand came in at Rs 108 bn (up 15.7% YoY). Read on for a complete analysis of BANK OF INDIA'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.
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