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Compare J&K Bank with Dhanlaxmi Bank - Equitymaster

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J&K BANK vs DHANLAXMI 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

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Current Valuations

    J&K BANK DHANLAXMI BANK J&K BANK/
DHANLAXMI BANK
 
P/E (TTM) x 6.3 -13.9 - View Chart
P/BV x 0.5 0.5 97.0% View Chart
Dividend Yield % 3.6 0.0 -  

Financials

 J&K BANK   DHANLAXMI BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
DHANLAXMI BANK
Mar-14
J&K BANK/
DHANLAXMI BANK
5-Yr Chart
Click to enlarge
High Rs11951 235.0%   
Low Rs9524 392.6%   
Income per share (Unadj.) Rs1,456.5102.6 1,419.7%  
Earnings per share (Unadj.) Rs104.9-20.0 -524.3%  
Cash flow per share (Unadj.) Rs251.8-12.9 -1,954.6%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.058.5 2,154.9%  
Shares outstanding (eoy) m48.48125.93 38.5%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.10.4 20.1%   
Avg P/E ratio x1.0-1.9 -54.5%  
Avg P/CF ratio x0.378.8 0.4%  
Avg Price/Bookvalue ratio x0.10.6 13.3%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,1854,710 110.1%   
No. of employees `0001.02.4 39.5%   
Total wages & salary Rs m8,9761,892 474.3%   
Avg. income/employee Rs Th73,553.45,316.7 1,383.5%   
Avg. wages/employee Rs Th9,349.6778.7 1,200.7%   
Avg. net profit/employee Rs Th5,296.7-1,036.7 -510.9%   
INCOME DATA
Interest income Rs m70,61112,920 546.5%  
Other income Rs m5,990734 815.8%   
Interest expense Rs m44,08610,118 435.7%   
Net interest income Rs m26,5262,801 946.9%  
Operating expense Rs m14,1593,475 407.5%   
Gross profit Rs m12,366-674 -1,835.6%  
Gross profit margin %17.5-5.2 -335.8%  
Provisions/contingencies Rs m10,1552,579 393.8%   
Profit before tax Rs m8,202-2,518 -325.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171 346,344.4%   
Profit after tax Rs m5,085-2,519 -201.8%  
Net profit margin %7.2-19.5 -36.9%  
BALANCE SHEET DATA
Advances Rs m445,85879,360 561.8%   
Deposits Rs m657,362121,332 541.8%  
Credit/Deposit ratio x67.865.4 103.7%  
Yield on advances %11.611.8 98.1%   
Cost of deposits %6.47.6 84.4%   
Net Interest Margin %3.62.0 181.8%  
Net fixed assets Rs m6,8962,124 324.7%   
Share capital Rs m4851,259 38.5%   
Free reserves Rs m39,4994,086 966.6%   
Net worth Rs m61,0857,363 829.6%   
Borrowings Rs m23,39613,356 175.2%   
Investments Rs m251,04344,823 560.1%   
Total assets Rs m760,645146,876 517.9%  
Debt/equity ratio x11.118.3 60.9%   
Return on assets %0.7-1.7 -39.0%  
Return on equity %8.3-34.2 -24.3%  
Capital adequacy ratio %12.68.7 145.0%  
Net NPAs %2.83.8 72.9%  
CASH FLOW
From Operations Rs m1,1816,487 18.2%  
From Investments Rs m-2,609-243 1,072.9%  
From Financial Activity Rs m-3,3761,138 -296.6%  
Net Cashflow Rs m-4,8057,382 -65.1%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 0.5 860.0%  
FIIs % 29.3 22.7 129.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 76.8 17.3%  
Shareholders   56,111 81,558 68.8%  
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  AXIS BANK  DCB BANK  ANDHRA BANK  

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



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