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

IDBI BANK 
   Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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Current Valuations

    J&K BANK IDBI BANK J&K BANK/
IDBI BANK
 
P/E (TTM) x 3.5 -1.7 - View Chart
P/BV x 0.6 0.4 177.7% View Chart
Dividend Yield % 2.6 1.4 190.1%  

Financials

 J&K BANK   IDBI BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
IDBI BANK
Mar-15
J&K BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs119113 105.4%   
Low Rs9560 158.1%   
Income per share (Unadj.) Rs1,456.5175.6 829.5%  
Earnings per share (Unadj.) Rs104.95.9 1,786.3%  
Cash flow per share (Unadj.) Rs251.86.0 4,164.0%  
Dividends per share (Unadj.) Rs2.100.75 280.0%  
Avg Dividend yield %2.00.9 226.3%  
Book value per share (Unadj.) Rs1,260.0152.0 829.1%  
Shares outstanding (eoy) m48.481,603.96 3.0%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.10.5 14.9%   
Avg P/E ratio x1.014.7 6.9%  
Avg P/CF ratio x0.32.6 13.3%  
Avg Price/Bookvalue ratio x0.10.6 14.9%  
Dividend payout %2.012.8 15.7%   
Avg Mkt Cap Rs m5,185138,662 3.7%   
No. of employees `0001.016.6 5.8%   
Total wages & salary Rs m8,97620,112 44.6%   
Avg. income/employee Rs Th73,553.417,012.5 432.3%   
Avg. wages/employee Rs Th9,349.61,214.9 769.6%   
Avg. net profit/employee Rs Th5,296.7568.9 931.1%   
INCOME DATA
Interest income Rs m70,611281,643 25.1%  
Other income Rs m5,99041,892 14.3%   
Interest expense Rs m44,086223,872 19.7%   
Net interest income Rs m26,52657,771 45.9%  
Operating expense Rs m14,15941,046 34.5%   
Gross profit Rs m12,36616,725 73.9%  
Gross profit margin %17.55.9 294.9%  
Provisions/contingencies Rs m10,15544,905 22.6%   
Profit before tax Rs m8,20213,403 61.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0155 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,1174,139 75.3%   
Profit after tax Rs m5,0859,418 54.0%  
Net profit margin %7.23.3 215.3%  
BALANCE SHEET DATA
Advances Rs m445,8582,083,769 21.4%   
Deposits Rs m657,3622,595,230 25.3%  
Credit/Deposit ratio x67.880.3 84.5%  
Yield on advances %11.610.0 115.8%   
Cost of deposits %6.46.8 94.1%   
Net Interest Margin %3.61.7 214.8%  
Net fixed assets Rs m6,89630,800 22.4%   
Share capital Rs m48516,040 3.0%   
Free reserves Rs m39,499156,910 25.2%   
Net worth Rs m61,085243,749 25.1%   
Borrowings Rs m23,396618,330 3.8%   
Investments Rs m251,0431,206,093 20.8%   
Total assets Rs m760,6453,559,309 21.4%  
Debt/equity ratio x11.113.2 84.5%   
Return on assets %0.70.3 252.6%  
Return on equity %8.33.9 215.4%  
Capital adequacy ratio %12.611.8 106.9%  
Net NPAs %2.82.9 96.2%  
CASH FLOW
From Operations Rs m1,181-19,906 -5.9%  
From Investments Rs m-2,609-2,716 96.1%  
From Financial Activity Rs m-3,376-610 553.2%  
Net Cashflow Rs m-4,805-23,232 20.7%  

Share Holding

Indian Promoters % 53.2 71.7 74.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 13.7 31.4%  
FIIs % 29.3 3.4 861.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 11.2 118.8%  
Shareholders   56,111 438,231 12.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   ALLAHABAD BANK  VIJAYA BANK  DHANLAXMI BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



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Aug 23, 2017 (Close)

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