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Compare J&K Bank with HDFC Bank - Equitymaster
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J&K BANK vs HDFC 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

HDFC BANK 
   Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

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Current Valuations

    J&K BANK HDFC BANK J&K BANK/
HDFC BANK
 
P/E (TTM) x 3.6 29.2 12.2% View Chart
P/BV x 0.6 6.0 10.7% View Chart
Dividend Yield % 2.6 0.5 477.2%  

Financials

 J&K BANK   HDFC BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
HDFC BANK
Mar-16
J&K BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs1191,128 10.5%   
Low Rs95929 10.2%   
Income per share (Unadj.) Rs1,456.5249.8 583.0%  
Earnings per share (Unadj.) Rs104.950.6 207.1%  
Cash flow per share (Unadj.) Rs251.8135.9 185.2%  
Dividends per share (Unadj.) Rs2.109.50 22.1%  
Avg Dividend yield %2.00.9 212.5%  
Book value per share (Unadj.) Rs1,260.0293.9 428.7%  
Shares outstanding (eoy) m48.482,528.19 1.9%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.14.1 1.8%   
Avg P/E ratio x1.020.3 5.0%  
Avg P/CF ratio x0.316.5 2.1%  
Avg Price/Bookvalue ratio x0.13.5 2.4%  
Dividend payout %2.018.8 10.7%   
Avg Mkt Cap Rs m5,1852,599,864 0.2%   
No. of employees `0001.087.6 1.1%   
Total wages & salary Rs m8,97663,061 14.2%   
Avg. income/employee Rs Th73,553.47,213.9 1,019.6%   
Avg. wages/employee Rs Th9,349.6720.2 1,298.1%   
Avg. net profit/employee Rs Th5,296.71,462.1 362.3%   
INCOME DATA
Interest income Rs m70,611631,616 11.2%  
Other income Rs m5,990112,117 5.3%   
Interest expense Rs m44,086340,696 12.9%   
Net interest income Rs m26,526290,920 9.1%  
Operating expense Rs m14,159178,319 7.9%   
Gross profit Rs m12,366112,601 11.0%  
Gross profit margin %17.517.8 98.2%  
Provisions/contingencies Rs m10,15529,608 34.3%   
Profit before tax Rs m8,202194,715 4.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0197 0.0%   
Prior Period Items Rs m037 0.0%   
Tax Rs m3,11766,937 4.7%   
Profit after tax Rs m5,085128,013 4.0%  
Net profit margin %7.220.3 35.5%  
BALANCE SHEET DATA
Advances Rs m445,8584,872,904 9.1%   
Deposits Rs m657,3625,458,733 12.0%  
Credit/Deposit ratio x67.889.3 76.0%  
Yield on advances %11.69.8 118.2%   
Cost of deposits %6.45.3 119.7%   
Net Interest Margin %3.64.2 85.4%  
Net fixed assets Rs m6,89634,797 19.8%   
Share capital Rs m4855,056 9.6%   
Free reserves Rs m39,499568,152 7.0%   
Net worth Rs m61,085743,041 8.2%   
Borrowings Rs m23,396717,635 3.3%   
Investments Rs m251,0431,616,833 15.5%   
Total assets Rs m760,6457,302,618 10.4%  
Debt/equity ratio x11.18.3 134.1%   
Return on assets %0.71.8 38.1%  
Return on equity %8.317.2 48.3%  
Capital adequacy ratio %12.615.5 80.9%  
Net NPAs %2.80.3 989.3%  
CASH FLOW
From Operations Rs m1,181-76,769 -1.5%  
From Investments Rs m-2,609-8,656 30.1%  
From Financial Activity Rs m-3,376110,567 -3.1%  
Net Cashflow Rs m-4,80525,142 -19.1%  

Share Holding

Indian Promoters % 53.2 22.6 235.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 9.9 43.4%  
FIIs % 29.3 34.1 85.9%  
ADR/GDR % 0.0 17.0 -  
Free float % 13.3 16.4 81.1%  
Shareholders   56,111 415,166 13.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF BARODA  UNION BANK  CITY UNION BANK  

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



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Aug 21, 2017 (Close)

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