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Compare J&K Bank with Corporation Bank - Equitymaster
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J&K BANK vs CORPORATION BANK - 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

CORPORATION BANK 
   Change

Considered one of the better managed PSU banks, Corporation Bank had a 2.3% share of the total non-food credit in FY12. The bank managed to grow its advance book by nearly 16% YoY in FY12, largely due to focus on the retail, agri and SME segments. Th... More

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Current Valuations

    J&K BANK CORPORATION BANK J&K BANK/
CORPORATION BANK
 
P/E (TTM) x 3.6 -35.5 - View Chart
P/BV x 0.7 0.3 190.1% View Chart
Dividend Yield % 2.6 0.0 -  

Financials

 J&K BANK   CORPORATION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
CORPORATION BANK
Mar-16
J&K BANK/
CORPORATION BANK
5-Yr Chart
Click to enlarge
High Rs11963 189.3%   
Low Rs9531 308.4%   
Income per share (Unadj.) Rs1,456.5189.8 767.2%  
Earnings per share (Unadj.) Rs104.9-4.9 -2,136.3%  
Cash flow per share (Unadj.) Rs251.8-39.8 -632.6%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0111.5 1,130.2%  
Shares outstanding (eoy) m48.481,022.49 4.7%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.2 29.8%   
Avg P/E ratio x1.0-9.5 -10.7%  
Avg P/CF ratio x0.31.1 32.2%  
Avg Price/Bookvalue ratio x0.10.4 20.2%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18547,853 10.8%   
No. of employees `0001.019.6 4.9%   
Total wages & salary Rs m8,97613,732 65.4%   
Avg. income/employee Rs Th73,553.49,919.4 741.5%   
Avg. wages/employee Rs Th9,349.6701.7 1,332.4%   
Avg. net profit/employee Rs Th5,296.7-256.5 -2,064.8%   
INCOME DATA
Interest income Rs m70,611194,112 36.4%  
Other income Rs m5,99017,430 34.4%   
Interest expense Rs m44,086151,715 29.1%   
Net interest income Rs m26,52642,398 62.6%  
Operating expense Rs m14,15928,809 49.1%   
Gross profit Rs m12,36613,589 91.0%  
Gross profit margin %17.57.0 250.2%  
Provisions/contingencies Rs m10,15550,263 20.2%   
Profit before tax Rs m8,202-19,245 -42.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117-14,225 -21.9%   
Profit after tax Rs m5,085-5,020 -101.3%  
Net profit margin %7.2-2.6 -278.5%  
BALANCE SHEET DATA
Advances Rs m445,8581,403,222 31.8%   
Deposits Rs m657,3622,051,403 32.0%  
Credit/Deposit ratio x67.868.4 99.2%  
Yield on advances %11.610.3 112.2%   
Cost of deposits %6.47.0 91.2%   
Net Interest Margin %3.61.9 186.4%  
Net fixed assets Rs m6,89612,774 54.0%   
Share capital Rs m4852,045 23.7%   
Free reserves Rs m39,49950,247 78.6%   
Net worth Rs m61,085113,996 53.6%   
Borrowings Rs m23,396131,122 17.8%   
Investments Rs m251,043632,775 39.7%   
Total assets Rs m760,6452,348,668 32.4%  
Debt/equity ratio x11.119.1 58.2%   
Return on assets %0.7-0.2 -312.8%  
Return on equity %8.3-4.4 -189.0%  
Capital adequacy ratio %12.611.8 106.5%  
Net NPAs %2.86.5 42.4%  
CASH FLOW
From Operations Rs m1,18126,109 4.5%  
From Investments Rs m-2,609-2,071 126.0%  
From Financial Activity Rs m-3,376384 -878.4%  
Net Cashflow Rs m-4,80524,423 -19.7%  

Share Holding

Indian Promoters % 53.2 63.3 84.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 26.4 16.3%  
FIIs % 29.3 2.7 1,085.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 7.6 175.0%  
Shareholders   56,111 58,473 96.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   BANK OF INDIA  ORIENTAL BANK  PUNJAB & SIND BANK  ING VYSYA BANK  KOTAK MAH. BANK  

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



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