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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 7.2 -0.3 - View Chart
P/BV x 0.3 0.1 324.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   DENA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
DENA BANK
Mar-18
J&K BANK/
DENA BANK
5-Yr Chart
Click to enlarge
High Rs9250 184.0%   
Low Rs5518 303.3%   
Income per share (Unadj.) Rs1,282.539.5 3,243.6%  
Earnings per share (Unadj.) Rs-313.3-8.5 3,679.7%  
Cash flow per share (Unadj.) Rs-496.9-28.0 1,777.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.540.7 2,669.6%  
Shares outstanding (eoy) m52.132,259.05 2.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.9 6.6%   
Avg P/E ratio x-0.2-4.0 5.9%  
Avg P/CF ratio x0.32.1 15.7%  
Avg Price/Bookvalue ratio x0.10.8 8.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,82176,808 5.0%   
No. of employees `0000.9NA-   
Total wages & salary Rs m11,22515,875 70.7%   
Avg. income/employee Rs Th72,278.9NM-  
Avg. wages/employee Rs Th12,135.6NM-  
Avg. net profit/employee Rs Th-17,653.9N.A.-  
INCOME DATA
Interest income Rs m66,85889,322 74.9%  
Other income Rs m4,97311,635 42.7%   
Interest expense Rs m41,73064,564 64.6%   
Net interest income Rs m25,12824,758 101.5%  
Operating expense Rs m17,16424,682 69.5%   
Gross profit Rs m7,96476 10,437.2%  
Gross profit margin %11.90.1 13,944.1%  
Provisions/contingencies Rs m28,00356,055 50.0%   
Profit before tax Rs m-15,067-31,788 47.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,263-12,556 -10.1%   
Profit after tax Rs m-16,330-19,232 84.9%  
Net profit margin %-24.4-21.5 113.4%  
BALANCE SHEET DATA
Advances Rs m498,161655,815 76.0%   
Deposits Rs m724,5901,061,301 68.3%  
Credit/Deposit ratio x68.861.8 111.3%  
Yield on advances %9.68.9 108.0%   
Cost of deposits %5.65.6 100.3%   
Net Interest Margin %3.32.3 144.8%  
Net fixed assets Rs m15,43715,573 99.1%   
Share capital Rs m52222,591 2.3%   
Free reserves Rs m27,88551,561 54.1%   
Net worth Rs m56,69292,028 61.6%   
Borrowings Rs m12,76135,610 35.8%   
Investments Rs m212,709376,096 56.6%   
Total assets Rs m820,1211,208,598 67.9%  
Debt/equity ratio x13.011.9 109.1%   
Return on assets %-2.0-1.6 125.1%  
Return on equity %-28.8-20.9 137.8%  
Capital adequacy ratio %10.811.1 97.4%  
Net NPAs %5.112.0 42.3%  
CASH FLOW
From Operations Rs m24,571-17,129 -143.4%  
From Investments Rs m-8,614-753 1,143.9%  
From Financial Activity Rs m5,92914,813 40.0%  
Net Cashflow Rs m21,886-3,069 -713.2%  

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:   UNITED BANK OF INDIA  PUNJAB & SIND BANK  VIJAYA BANK  YES BANK  BANK OF MAHARASHTRA  

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



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For the quarter ended September 2018, DENA BANK has posted a net profit of Rs 4 bn (down 125.2% YoY). Sales on the other hand came in at Rs 22 bn (down 1.9% YoY). Read on for a complete analysis of DENA BANK's quarterly results.

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Oct 17, 2018 | Updated on Oct 17, 2018

For the quarter ended September 2018, J&K BANK has posted a net profit of Rs 938 m (up 30.9% YoY). Sales on the other hand came in at Rs 18 bn (up 10.4% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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