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J&K BANK vs INDIAN 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

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Current Valuations

    J&K BANK INDIAN BANK J&K BANK/
INDIAN BANK
 
P/E (TTM) x 4.1 10.2 40.3% View Chart
P/BV x 0.5 1.0 51.1% View Chart
Dividend Yield % 3.2 1.3 242.9%  

Financials

 J&K BANK   INDIAN BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
INDIAN BANK
Mar-15
J&K BANK/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs119224 53.1%   
Low Rs95113 84.1%   
Income per share (Unadj.) Rs1,456.5330.1 441.3%  
Earnings per share (Unadj.) Rs104.921.8 480.3%  
Cash flow per share (Unadj.) Rs251.858.4 431.3%  
Dividends per share (Unadj.) Rs2.104.20 50.0%  
Avg Dividend yield %2.02.5 78.8%  
Book value per share (Unadj.) Rs1,260.0312.9 402.7%  
Shares outstanding (eoy) m48.48480.29 10.1%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.5 14.4%   
Avg P/E ratio x1.07.7 13.2%  
Avg P/CF ratio x0.33.1 10.9%  
Avg Price/Bookvalue ratio x0.10.5 15.8%  
Dividend payout %2.019.2 10.4%   
Avg Mkt Cap Rs m5,18580,929 6.4%   
No. of employees `0001.020.3 4.7%   
Total wages & salary Rs m8,97617,463 51.4%   
Avg. income/employee Rs Th73,553.47,811.8 941.6%   
Avg. wages/employee Rs Th9,349.6860.5 1,086.6%   
Avg. net profit/employee Rs Th5,296.7516.8 1,024.9%   
INCOME DATA
Interest income Rs m70,611158,534 44.5%  
Other income Rs m5,99013,722 43.7%   
Interest expense Rs m44,086113,898 38.7%   
Net interest income Rs m26,52644,636 59.4%  
Operating expense Rs m14,15928,254 50.1%   
Gross profit Rs m12,36616,382 75.5%  
Gross profit margin %17.510.3 169.5%  
Provisions/contingencies Rs m10,15515,335 66.2%   
Profit before tax Rs m8,20215,105 54.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m018 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,1174,635 67.3%   
Profit after tax Rs m5,08510,488 48.5%  
Net profit margin %7.26.6 108.9%  
BALANCE SHEET DATA
Advances Rs m445,8581,258,702 35.4%   
Deposits Rs m657,3621,692,042 38.9%  
Credit/Deposit ratio x67.874.4 91.2%  
Yield on advances %11.69.6 120.7%   
Cost of deposits %6.46.6 96.5%   
Net Interest Margin %3.62.4 149.7%  
Net fixed assets Rs m6,89629,738 23.2%   
Share capital Rs m4854,803 10.1%   
Free reserves Rs m39,49979,581 49.6%   
Net worth Rs m61,085150,290 40.6%   
Borrowings Rs m23,39626,461 88.4%   
Investments Rs m251,043460,605 54.5%   
Total assets Rs m760,6451,930,357 39.4%  
Debt/equity ratio x11.111.4 97.5%   
Return on assets %0.70.5 123.0%  
Return on equity %8.37.0 119.3%  
Capital adequacy ratio %12.612.9 97.7%  
Net NPAs %2.82.5 110.8%  
CASH FLOW
From Operations Rs m1,18151,357 2.3%  
From Investments Rs m-2,609-2,364 110.4%  
From Financial Activity Rs m-3,376-23,117 14.6%  
Net Cashflow Rs m-4,80525,876 -18.6%  

Share Holding

Indian Promoters % 53.2 82.1 64.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 8.5 50.6%  
FIIs % 29.3 5.6 523.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 3.8 350.0%  
Shareholders   56,111 66,052 84.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   CITY UNION BANK  CORPORATION BANK  IDBI BANK  INDIAN OVERSEAS BANK  ICICI BANK  

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



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