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Compare J&K Bank with Indusind Bank - Equitymaster
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J&K BANK vs INDUSIND 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

INDUSIND BANK 
   Change

IndusInd Bank Limited (IBL) started in April 94 with a capital base of Rs. 3 bn. The net worth of the bank witnessed an impressive growth during the past six years and now stands at Rs. 8 bn. The total deposits and advancesof the bank in FY04 grew by... More

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Current Valuations

    J&K BANK INDUSIND BANK J&K BANK/
INDUSIND BANK
 
P/E (TTM) x 3.6 28.8 12.5% View Chart
P/BV x 0.6 5.5 11.9% View Chart
Dividend Yield % 2.6 0.3 925.5%  

Financials

 J&K BANK   INDUSIND BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
INDUSIND BANK
Mar-16
J&K BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs119986 12.1%   
Low Rs95828 11.5%   
Income per share (Unadj.) Rs1,456.5194.6 748.3%  
Earnings per share (Unadj.) Rs104.938.4 272.9%  
Cash flow per share (Unadj.) Rs251.8108.7 231.6%  
Dividends per share (Unadj.) Rs2.104.50 46.7%  
Avg Dividend yield %2.00.5 395.8%  
Book value per share (Unadj.) Rs1,260.0297.2 424.0%  
Shares outstanding (eoy) m48.48594.99 8.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.14.7 1.6%   
Avg P/E ratio x1.023.6 4.3%  
Avg P/CF ratio x0.318.2 1.9%  
Avg Price/Bookvalue ratio x0.13.1 2.8%  
Dividend payout %2.011.7 17.1%   
Avg Mkt Cap Rs m5,185539,745 1.0%   
No. of employees `0001.023.1 4.2%   
Total wages & salary Rs m8,97612,361 72.6%   
Avg. income/employee Rs Th73,553.45,022.0 1,464.6%   
Avg. wages/employee Rs Th9,349.6536.0 1,744.2%   
Avg. net profit/employee Rs Th5,296.7991.5 534.2%   
INCOME DATA
Interest income Rs m70,611115,807 61.0%  
Other income Rs m5,99032,970 18.2%   
Interest expense Rs m44,08670,641 62.4%   
Net interest income Rs m26,52645,166 58.7%  
Operating expense Rs m14,15936,721 38.6%   
Gross profit Rs m12,3668,445 146.4%  
Gross profit margin %17.57.3 240.2%  
Provisions/contingencies Rs m10,1556,722 151.1%   
Profit before tax Rs m8,20234,693 23.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,11711,828 26.4%   
Profit after tax Rs m5,08522,865 22.2%  
Net profit margin %7.219.7 36.5%  
BALANCE SHEET DATA
Advances Rs m445,858884,193 50.4%   
Deposits Rs m657,362930,004 70.7%  
Credit/Deposit ratio x67.895.1 71.3%  
Yield on advances %11.610.5 110.7%   
Cost of deposits %6.46.1 104.2%   
Net Interest Margin %3.63.5 103.8%  
Net fixed assets Rs m6,89612,553 54.9%   
Share capital Rs m4855,950 8.1%   
Free reserves Rs m39,499142,889 27.6%   
Net worth Rs m61,085176,822 34.5%   
Borrowings Rs m23,396221,559 10.6%   
Investments Rs m251,043312,143 80.4%   
Total assets Rs m760,6451,400,570 54.3%  
Debt/equity ratio x11.16.5 171.1%   
Return on assets %0.71.6 40.9%  
Return on equity %8.312.9 64.4%  
Capital adequacy ratio %12.615.5 81.1%  
Net NPAs %2.80.4 769.4%  
CASH FLOW
From Operations Rs m1,181-67,879 -1.7%  
From Investments Rs m-2,609-2,575 101.3%  
From Financial Activity Rs m-3,37663,782 -5.3%  
Net Cashflow Rs m-4,805-6,673 72.0%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 15.2 -  
Indian inst/Mut Fund % 4.3 7.5 57.3%  
FIIs % 29.3 43.3 67.7%  
ADR/GDR % 0.0 12.3 -  
Free float % 13.3 21.7 61.3%  
Shareholders   56,111 100,355 55.9%  
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  KARNATAKA BANK  VIJAYA BANK  KOTAK MAH. BANK  PUNJAB & SIND BANK  

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



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Aug 18, 2017 (Close)

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