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

ICICI BANK 
   Change

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

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Current Valuations

    J&K BANK ICICI BANK J&K BANK/
ICICI BANK
 
P/E (TTM) x 4.3 23.0 18.7% View Chart
P/BV x 0.6 2.0 28.0% View Chart
Dividend Yield % 3.0 0.8 388.5%  

Financials

 J&K BANK   ICICI BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ICICI BANK
Mar-17
J&K BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs119293 40.6%   
Low Rs95215 44.2%   
Income per share (Unadj.) Rs1,456.5104.8 1,389.8%  
Earnings per share (Unadj.) Rs104.917.5 598.6%  
Cash flow per share (Unadj.) Rs251.876.1 330.9%  
Dividends per share (Unadj.) Rs2.102.50 84.0%  
Avg Dividend yield %2.01.0 199.3%  
Book value per share (Unadj.) Rs1,260.0179.9 700.2%  
Shares outstanding (eoy) m48.485,814.77 0.8%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.12.4 3.0%   
Avg P/E ratio x1.014.5 7.0%  
Avg P/CF ratio x0.35.5 6.2%  
Avg Price/Bookvalue ratio x0.11.4 6.0%  
Dividend payout %2.014.3 14.0%   
Avg Mkt Cap Rs m5,1851,475,207 0.4%   
No. of employees `0001.081.1 1.2%   
Total wages & salary Rs m8,97678,933 11.4%   
Avg. income/employee Rs Th73,553.47,511.5 979.2%   
Avg. wages/employee Rs Th9,349.6972.9 961.0%   
Avg. net profit/employee Rs Th5,296.71,255.8 421.8%   
INCOME DATA
Interest income Rs m70,611609,400 11.6%  
Other income Rs m5,990524,577 1.1%   
Interest expense Rs m44,086348,358 12.7%   
Net interest income Rs m26,526261,042 10.2%  
Operating expense Rs m14,159481,700 2.9%   
Gross profit Rs m12,366-220,658 -5.6%  
Gross profit margin %17.5-36.2 -48.4%  
Provisions/contingencies Rs m10,155165,825 6.1%   
Profit before tax Rs m8,202138,094 5.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-11,520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,11724,690 12.6%   
Profit after tax Rs m5,085101,884 5.0%  
Net profit margin %7.216.7 43.1%  
BALANCE SHEET DATA
Advances Rs m445,8585,153,173 8.7%   
Deposits Rs m657,3625,125,873 12.8%  
Credit/Deposit ratio x67.8100.5 67.5%  
Yield on advances %11.68.2 141.8%   
Cost of deposits %6.44.5 140.9%   
Net Interest Margin %3.62.9 124.6%  
Net fixed assets Rs m6,89693,380 7.4%   
Share capital Rs m48511,651 4.2%   
Free reserves Rs m39,499581,559 6.8%   
Net worth Rs m61,0851,046,320 5.8%   
Borrowings Rs m23,3961,882,868 1.2%   
Investments Rs m251,0433,045,017 8.2%   
Total assets Rs m760,6459,860,427 7.7%  
Debt/equity ratio x11.16.7 166.4%   
Return on assets %0.71.0 64.7%  
Return on equity %8.39.7 85.5%  
Capital adequacy ratio %12.617.4 72.3%  
Net NPAs %2.85.4 51.0%  
CASH FLOW
From Operations Rs m1,181526,355 0.2%  
From Investments Rs m-2,609-16,057 16.2%  
From Financial Activity Rs m-3,376-354,695 1.0%  
Net Cashflow Rs m-4,805155,603 -3.1%  

Share Holding

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   BANK OF INDIA  DENA BANK  ORIENTAL BANK  AXIS BANK  ING VYSYA BANK  

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



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Feb 16, 2018 (Close)

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