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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 12.4 17.9 69.5% View Chart
P/BV x 0.5 3.1 16.1% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 J&K BANK   CITY UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
CITY UNION BANK
Mar-17
J&K BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs92169 54.6%   
Low Rs5593 58.7%   
Income per share (Unadj.) Rs1,282.552.8 2,428.9%  
Earnings per share (Unadj.) Rs-313.38.4 -3,744.9%  
Cash flow per share (Unadj.) Rs-496.918.0 -2,763.7%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs1,087.559.4 1,830.9%  
Shares outstanding (eoy) m52.13601.06 8.7%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.12.5 2.3%   
Avg P/E ratio x-0.215.6 -1.5%  
Avg P/CF ratio x0.39.8 3.3%  
Avg Price/Bookvalue ratio x0.12.2 3.1%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m3,82178,589 4.9%   
No. of employees `0000.94.7 19.7%   
Total wages & salary Rs m11,2252,981 376.5%   
Avg. income/employee Rs Th72,278.96,768.6 1,067.9%   
Avg. wages/employee Rs Th12,135.6635.8 1,908.6%   
Avg. net profit/employee Rs Th-17,653.91,072.2 -1,646.5%   
INCOME DATA
Interest income Rs m66,85831,738 210.7%  
Other income Rs m4,9734,840 102.8%   
Interest expense Rs m41,73019,750 211.3%   
Net interest income Rs m25,12811,988 209.6%  
Operating expense Rs m17,1646,890 249.1%   
Gross profit Rs m7,9645,098 156.2%  
Gross profit margin %11.916.1 74.2%  
Provisions/contingencies Rs m28,0033,010 930.4%   
Profit before tax Rs m-15,0676,928 -217.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,2631,900 66.5%   
Profit after tax Rs m-16,3305,028 -324.8%  
Net profit margin %-24.415.8 -154.2%  
BALANCE SHEET DATA
Advances Rs m498,161238,327 209.0%   
Deposits Rs m724,590301,157 240.6%  
Credit/Deposit ratio x68.879.1 86.9%  
Yield on advances %9.610.9 88.4%   
Cost of deposits %5.66.4 87.3%   
Net Interest Margin %3.33.6 92.5%  
Net fixed assets Rs m15,4372,151 717.7%   
Share capital Rs m522601 86.8%   
Free reserves Rs m27,88522,455 124.2%   
Net worth Rs m56,69235,702 158.8%   
Borrowings Rs m12,7615,310 240.3%   
Investments Rs m212,70970,315 302.5%   
Total assets Rs m820,121352,708 232.5%  
Debt/equity ratio x13.08.6 151.5%   
Return on assets %-2.01.4 -139.7%  
Return on equity %-28.814.1 -204.5%  
Capital adequacy ratio %10.815.8 68.2%  
Net NPAs %5.11.7 295.9%  
CASH FLOW
From Operations Rs m24,5712,836 866.4%  
From Investments Rs m-8,614-503 1,711.8%  
From Financial Activity Rs m5,929-44 -13,535.4%  
Net Cashflow Rs m21,8862,289 956.1%  

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:   BANK OF MAHARASHTRA  UNION BANK  INDUSIND BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  

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



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