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Compare J&K Bank with City Union Bank - Equitymaster
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J&K BANK vs CITY UNION 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

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    J&K BANK CITY UNION BANK J&K BANK/
CITY UNION BANK
 
P/E (TTM) x 4.1 18.8 22.1% View Chart
P/BV x 0.5 2.8 18.6% View Chart
Dividend Yield % 3.1 0.2 1,783.5%  

Financials

 J&K BANK   CITY UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
CITY UNION BANK
Mar-17
J&K BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs119169 70.6%   
Low Rs9593 102.2%   
Income per share (Unadj.) Rs1,456.552.8 2,758.4%  
Earnings per share (Unadj.) Rs104.98.4 1,253.9%  
Cash flow per share (Unadj.) Rs251.818.0 1,400.3%  
Dividends per share (Unadj.) Rs2.100.30 700.0%  
Avg Dividend yield %2.00.2 855.8%  
Book value per share (Unadj.) Rs1,260.059.4 2,121.3%  
Shares outstanding (eoy) m48.48601.06 8.1%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.12.5 3.0%   
Avg P/E ratio x1.015.6 6.5%  
Avg P/CF ratio x0.39.8 3.5%  
Avg Price/Bookvalue ratio x0.12.2 3.9%  
Dividend payout %2.03.6 55.8%   
Avg Mkt Cap Rs m5,18578,589 6.6%   
No. of employees `0001.04.7 20.5%   
Total wages & salary Rs m8,9762,981 301.1%   
Avg. income/employee Rs Th73,553.46,768.6 1,086.7%   
Avg. wages/employee Rs Th9,349.6635.8 1,470.5%   
Avg. net profit/employee Rs Th5,296.71,072.2 494.0%   
INCOME DATA
Interest income Rs m70,61131,738 222.5%  
Other income Rs m5,9904,840 123.8%   
Interest expense Rs m44,08619,750 223.2%   
Net interest income Rs m26,52611,988 221.3%  
Operating expense Rs m14,1596,890 205.5%   
Gross profit Rs m12,3665,098 242.6%  
Gross profit margin %17.516.1 109.0%  
Provisions/contingencies Rs m10,1553,010 337.4%   
Profit before tax Rs m8,2026,928 118.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,900 164.1%   
Profit after tax Rs m5,0855,028 101.1%  
Net profit margin %7.215.8 45.5%  
BALANCE SHEET DATA
Advances Rs m445,858238,327 187.1%   
Deposits Rs m657,362301,157 218.3%  
Credit/Deposit ratio x67.879.1 85.7%  
Yield on advances %11.610.9 106.5%   
Cost of deposits %6.46.4 99.2%   
Net Interest Margin %3.63.6 101.7%  
Net fixed assets Rs m6,8962,151 320.6%   
Share capital Rs m485601 80.7%   
Free reserves Rs m39,49922,455 175.9%   
Net worth Rs m61,08535,702 171.1%   
Borrowings Rs m23,3965,310 440.6%   
Investments Rs m251,04370,315 357.0%   
Total assets Rs m760,645352,708 215.7%  
Debt/equity ratio x11.18.6 129.8%   
Return on assets %0.71.4 46.9%  
Return on equity %8.314.1 59.1%  
Capital adequacy ratio %12.615.8 79.4%  
Net NPAs %2.81.7 162.0%  
CASH FLOW
From Operations Rs m1,1812,836 41.6%  
From Investments Rs m-2,609-503 518.5%  
From Financial Activity Rs m-3,376-44 7,707.3%  
Net Cashflow Rs m-4,8052,289 -209.9%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 10.2 42.2%  
FIIs % 29.3 33.4 87.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 56.0 23.8%  
Shareholders   56,111 82,699 67.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   SYNDICATE BANK  INDUSIND BANK  BANK OF BARODA  UNION BANK  SOUTH IND.BANK  

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



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Feb 22, 2018 (Close)

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