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Compare J&K Bank with Dena Bank - Equitymaster
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J&K BANK vs DENA 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

DENA BANK 
   Change

Dena Bank founded on 1938 as a public sector bank. In FY04, the bank had a branch network of 1135 (out of which 680 branches are fully computerised). It also has 105 ATMs across the country. The total deposits of the bank registered a growth of 11.0... More

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Current Valuations

    J&K BANK DENA BANK J&K BANK/
DENA BANK
 
P/E (TTM) x 4.7 -1.6 - View Chart
P/BV x 0.6 0.2 295.1% View Chart
Dividend Yield % 2.8 0.0 -  

Financials

 J&K BANK   DENA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
DENA BANK
Mar-16
J&K BANK/
DENA BANK
5-Yr Chart
Click to enlarge
High Rs11955 218.2%   
Low Rs9526 371.1%   
Income per share (Unadj.) Rs1,456.5159.6 912.5%  
Earnings per share (Unadj.) Rs104.9-14.0 -747.9%  
Cash flow per share (Unadj.) Rs251.8-36.0 -700.2%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0107.1 1,176.7%  
Shares outstanding (eoy) m48.48666.93 7.3%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.3 29.3%   
Avg P/E ratio x1.0-2.9 -35.7%  
Avg P/CF ratio x0.31.4 23.7%  
Avg Price/Bookvalue ratio x0.10.4 22.7%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18526,711 19.4%   
No. of employees `0001.013.9 6.9%   
Total wages & salary Rs m8,97614,481 62.0%   
Avg. income/employee Rs Th73,553.47,655.5 960.8%   
Avg. wages/employee Rs Th9,349.61,041.4 897.8%   
Avg. net profit/employee Rs Th5,296.7-672.6 -787.5%   
INCOME DATA
Interest income Rs m70,611106,457 66.3%  
Other income Rs m5,9907,168 83.6%   
Interest expense Rs m44,08681,690 54.0%   
Net interest income Rs m26,52624,767 107.1%  
Operating expense Rs m14,15922,683 62.4%   
Gross profit Rs m12,3662,085 593.1%  
Gross profit margin %17.52.0 894.2%  
Provisions/contingencies Rs m10,15527,959 36.3%   
Profit before tax Rs m8,202-18,706 -43.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117-9,353 -33.3%   
Profit after tax Rs m5,085-9,353 -54.4%  
Net profit margin %7.2-8.8 -82.0%  
BALANCE SHEET DATA
Advances Rs m445,858823,283 54.2%   
Deposits Rs m657,3621,174,310 56.0%  
Credit/Deposit ratio x67.870.1 96.7%  
Yield on advances %11.69.4 122.9%   
Cost of deposits %6.46.6 97.3%   
Net Interest Margin %3.62.0 179.3%  
Net fixed assets Rs m6,89613,682 50.4%   
Share capital Rs m4856,669 7.3%   
Free reserves Rs m39,49946,927 84.2%   
Net worth Rs m61,08571,415 85.5%   
Borrowings Rs m23,39662,713 37.3%   
Investments Rs m251,043352,262 71.3%   
Total assets Rs m760,6451,334,416 57.0%  
Debt/equity ratio x11.117.3 64.3%   
Return on assets %0.7-0.7 -95.4%  
Return on equity %8.3-13.1 -63.6%  
Capital adequacy ratio %12.611.0 114.3%  
Net NPAs %2.86.4 43.6%  
CASH FLOW
From Operations Rs m1,181-51,684 -2.3%  
From Investments Rs m-2,609-1,441 181.1%  
From Financial Activity Rs m-3,37610,147 -33.3%  
Net Cashflow Rs m-4,805-42,978 11.2%  

Share Holding

Indian Promoters % 53.2 58.0 91.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 17.0 25.3%  
FIIs % 29.3 7.2 406.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 17.8 74.7%  
Shareholders   56,111 236,995 23.7%  
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  YES BANK  CITY UNION BANK  BANK OF BARODA  

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



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Jan 19, 2018 (Close)

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