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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 4.2 47.8 8.8% View Chart
P/BV x 0.3 2.3 13.2% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 J&K BANK   ICICI BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
ICICI BANK
Mar-19
J&K BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs96400 23.9%   
Low Rs55259 21.0%   
Income per share (Unadj.) Rs1,189.2112.0 1,061.9%  
Earnings per share (Unadj.) Rs36.46.6 550.0%  
Cash flow per share (Unadj.) Rs167.473.4 228.1%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs1,105.9177.7 622.2%  
Shares outstanding (eoy) m55.686,427.99 0.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.12.9 2.1%   
Avg P/E ratio x2.149.8 4.1%  
Avg P/CF ratio x0.38.1 3.7%  
Avg Price/Bookvalue ratio x0.11.9 3.7%  
Dividend payout %015.1 0.0%   
Avg Mkt Cap Rs m4,1822,118,987 0.2%   
No. of employees `0001.086.8 1.2%   
Total wages & salary Rs m12,86994,253 13.7%   
Avg. income/employee Rs Th64,852.18,296.4 781.7%   
Avg. wages/employee Rs Th12,604.21,086.3 1,160.3%   
Avg. net profit/employee Rs Th1,985.2490.3 404.9%   
INCOME DATA
Interest income Rs m66,214719,817 9.2%  
Other income Rs m5,008593,248 0.8%   
Interest expense Rs m37,502391,775 9.6%   
Net interest income Rs m28,712328,041 8.8%  
Operating expense Rs m19,902642,589 3.1%   
Gross profit Rs m8,810-314,548 -2.8%  
Gross profit margin %13.3-43.7 -30.4%  
Provisions/contingencies Rs m11,792217,669 5.4%   
Profit before tax Rs m1,20961,032 2.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-14,349 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8184,140 -19.7%   
Profit after tax Rs m2,02742,542 4.8%  
Net profit margin %3.15.9 51.8%  
BALANCE SHEET DATA
Advances Rs m569,1276,469,617 8.8%   
Deposits Rs m800,0456,813,169 11.7%  
Credit/Deposit ratio x71.195.0 74.9%  
Yield on advances %8.77.9 111.2%   
Cost of deposits %4.54.0 113.9%   
Net Interest Margin %3.42.9 118.0%  
Net fixed assets Rs m16,14996,604 16.7%   
Share capital Rs m55712,895 4.3%   
Free reserves Rs m32,3361,129,593 2.9%   
Net worth Rs m61,5761,142,487 5.4%   
Borrowings Rs m16,2832,103,241 0.8%   
Investments Rs m188,6003,982,008 4.7%   
Total assets Rs m896,84412,387,939 7.2%  
Debt/equity ratio x13.37.8 169.9%   
Return on assets %0.20.3 65.8%  
Return on equity %3.33.7 88.4%  
Capital adequacy ratio %11.416.9 67.6%  
Net NPAs %4.92.3 214.0%  
CASH FLOW
From Operations Rs m23,627486,711 4.9%  
From Investments Rs m-1,639-301,472 0.5%  
From Financial Activity Rs m6,684-199,974 -3.3%  
Net Cashflow Rs m28,672-16,082 -178.3%  

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

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



Today's Market

Sensex Trades Marginally Higher; Tata Steel & Bajaj Finance Top Gainers(12:30 pm)

Share markets in India are presently trading on a positive note, tracking gains in global peers. US President Donald Trump said he did not want war.

Related Views on News

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

ICICI BANK Announces Quarterly Results (1QFY20); Net Profit Up 1696.0% (Quarterly Result Update)

Jul 29, 2019 | Updated on Jul 29, 2019

For the quarter ended June 2019, ICICI BANK has posted a net profit of Rs 19 bn (up 1696.0% YoY). Sales on the other hand came in at Rs 180 bn (up 22.1% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

ICICI BANK Announces Quarterly Results (4QFY19); Net Profit Down 5.0% (Quarterly Result Update)

May 8, 2019 | Updated on May 8, 2019

For the quarter ended March 2019, ICICI BANK has posted a net profit of Rs 10 bn (down 5.0% YoY). Sales on the other hand came in at Rs 173 bn (up 21.2% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

ICICI BANK Announces Quarterly Results (3QFY19); Net Profit Down 2.7% (Quarterly Result Update)

Jan 31, 2019 | Updated on Jan 31, 2019

For the quarter ended December 2018, ICICI BANK has posted a net profit of Rs 16 bn (down 2.7% YoY). Sales on the other hand came in at Rs 163 bn (up 19.1% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

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Sep 18, 2019 12:53 PM

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