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ChangeJammu 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
Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More
| J&K BANK | ICICI BANK | J&K BANK/ ICICI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 3.5 | 18.5 | 19.2% | View Chart |
| P/BV | x | 0.6 | 2.0 | 31.9% | View Chart |
| Dividend Yield | % | 2.6 | 1.7 | 153.4% |
 J&K BANK  ICICI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-15 |
ICICI BANK Mar-16 |
J&K BANK/ ICICI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 119 | 331 | 35.9% | |
| Low | Rs | 95 | 183 | 51.8% | |
| Income per share (Unadj.) | Rs | 1,456.5 | 102.3 | 1,424.0% | |
| Earnings per share (Unadj.) | Rs | 104.9 | 17.6 | 597.3% | |
| Cash flow per share (Unadj.) | Rs | 251.8 | 72.5 | 347.2% | |
| Dividends per share (Unadj.) | Rs | 2.10 | 5.00 | 42.0% | |
| Avg Dividend yield | % | 2.0 | 1.9 | 101.1% | |
| Book value per share (Unadj.) | Rs | 1,260.0 | 162.3 | 776.2% | |
| Shares outstanding (eoy) | m | 48.48 | 5,797.24 | 0.8% | |
| Bonus/Rights/Conversions | - | ESOS | - | ||
| Avg Price / Income ratio | x | 0.1 | 2.5 | 2.9% | |
| Avg P/E ratio | x | 1.0 | 14.7 | 7.0% | |
| Avg P/CF ratio | x | 0.3 | 6.6 | 5.1% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 1.6 | 5.4% | |
| Dividend payout | % | 2.0 | 28.5 | 7.0% | |
| Avg Mkt Cap | Rs m | 5,185 | 1,491,920 | 0.3% | |
| No. of employees | `000 | 1.0 | 74.1 | 1.3% | |
| Total wages & salary | Rs m | 8,976 | 69,186 | 13.0% | |
| Avg. income/employee | Rs Th | 73,553.4 | 8,002.3 | 919.2% | |
| Avg. wages/employee | Rs Th | 9,349.6 | 933.7 | 1,001.3% | |
| Avg. net profit/employee | Rs Th | 5,296.7 | 1,373.9 | 385.5% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 70,611 | 592,937 | 11.9% | |
| Other income | Rs m | 5,990 | 421,021 | 1.4% | |
| Interest expense | Rs m | 44,086 | 339,965 | 13.0% | |
| Net interest income | Rs m | 26,526 | 252,972 | 10.5% | |
| Operating expense | Rs m | 14,159 | 407,896 | 3.5% | |
| Gross profit | Rs m | 12,366 | -154,923 | -8.0% | |
| Gross profit margin | % | 17.5 | -26.1 | -67.0% | |
| Provisions/contingencies | Rs m | 10,155 | 123,054 | 8.3% | |
| Profit before tax | Rs m | 8,202 | 143,044 | 5.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -7,469 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,117 | 33,775 | 9.2% | |
| Profit after tax | Rs m | 5,085 | 101,800 | 5.0% | |
| Net profit margin | % | 7.2 | 17.2 | 41.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 445,858 | 4,937,291 | 9.0% | |
| Deposits | Rs m | 657,362 | 4,510,774 | 14.6% | |
| Credit/Deposit ratio | x | 67.8 | 109.5 | 62.0% | |
| Yield on advances | % | 11.6 | 8.4 | 137.5% | |
| Cost of deposits | % | 6.4 | 4.9 | 131.1% | |
| Net Interest Margin | % | 3.6 | 4.5 | 79.8% | |
| Net fixed assets | Rs m | 6,896 | 87,135 | 7.9% | |
| Share capital | Rs m | 485 | 11,632 | 4.2% | |
| Free reserves | Rs m | 39,499 | 560,261 | 7.1% | |
| Net worth | Rs m | 61,085 | 941,040 | 6.5% | |
| Borrowings | Rs m | 23,396 | 2,203,777 | 1.1% | |
| Investments | Rs m | 251,043 | 0 | - | |
| Total assets | Rs m | 760,645 | 9,187,562 | 8.3% | |
| Debt/equity ratio | x | 11.1 | 7.1 | 156.2% | |
| Return on assets | % | 0.7 | 1.1 | 60.3% | |
| Return on equity | % | 8.3 | 10.8 | 76.9% | |
| Capital adequacy ratio | % | 12.6 | 16.6 | 75.7% | |
| Net NPAs | % | 2.8 | 3.0 | 93.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 1,181 | 236,453 | 0.5% | |
| From Investments | Rs m | -2,609 | -118,193 | 2.2% | |
| From Financial Activity | Rs m | -3,376 | 58,139 | -5.8% | |
| Net Cashflow | Rs m | -4,805 | 176,400 | -2.7% | |
| Indian Promoters | % | 53.2 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.3 | 23.1 | 18.6% | |
| FIIs | % | 29.3 | 40.0 | 73.3% | |
| ADR/GDR | % | 0.0 | 29.2 | - | |
| Free float | % | 13.3 | 7.8 | 170.5% | |
| Shareholders | 56,111 | 585,463 | 9.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: UNITED BANK OF INDIA PUNJAB & SIND BANK VIJAYA BANK ORIENTAL BANK BANK OF MAHARASHTRA
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Indian share markets finished some selling pressure in the final hour of trade to finish flat amid weak European markets.
Asset quality will be the key thing to watch out for going forward.
ICICI Bank declared the results for the second quarter of financial year ending March 2017 (2QFY17). The bank reported a flattish net interest income while net profits grew by 2.4%YoY in 2QFY17.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
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