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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 4.2 29.9 14.0% View Chart
P/BV x 0.5 4.7 11.5% View Chart
Dividend Yield % 3.1 0.4 833.2%  

Financials

 J&K BANK   INDUSIND BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
INDUSIND BANK
Mar-17
J&K BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs1191,440 8.3%   
Low Rs95951 10.0%   
Income per share (Unadj.) Rs1,456.5240.8 604.8%  
Earnings per share (Unadj.) Rs104.947.9 218.8%  
Cash flow per share (Unadj.) Rs251.8134.6 187.1%  
Dividends per share (Unadj.) Rs2.106.00 35.0%  
Avg Dividend yield %2.00.5 391.3%  
Book value per share (Unadj.) Rs1,260.0344.9 365.3%  
Shares outstanding (eoy) m48.48598.15 8.1%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.15.0 1.5%   
Avg P/E ratio x1.024.9 4.1%  
Avg P/CF ratio x0.318.1 1.9%  
Avg Price/Bookvalue ratio x0.13.5 2.4%  
Dividend payout %2.012.5 16.0%   
Avg Mkt Cap Rs m5,185715,178 0.7%   
No. of employees `0001.025.3 3.8%   
Total wages & salary Rs m8,97615,210 59.0%   
Avg. income/employee Rs Th73,553.45,690.8 1,292.5%   
Avg. wages/employee Rs Th9,349.6600.9 1,556.0%   
Avg. net profit/employee Rs Th5,296.71,132.9 467.5%   
INCOME DATA
Interest income Rs m70,611144,057 49.0%  
Other income Rs m5,99041,715 14.4%   
Interest expense Rs m44,08683,431 52.8%   
Net interest income Rs m26,52660,626 43.8%  
Operating expense Rs m14,15947,831 29.6%   
Gross profit Rs m12,36612,795 96.6%  
Gross profit margin %17.58.9 197.2%  
Provisions/contingencies Rs m10,15510,913 93.0%   
Profit before tax Rs m8,20243,597 18.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,11714,918 20.9%   
Profit after tax Rs m5,08528,679 17.7%  
Net profit margin %7.219.9 36.2%  
BALANCE SHEET DATA
Advances Rs m445,8581,130,805 39.4%   
Deposits Rs m657,3621,265,722 51.9%  
Credit/Deposit ratio x67.889.3 75.9%  
Yield on advances %11.610.2 114.0%   
Cost of deposits %6.45.5 116.8%   
Net Interest Margin %3.63.6 100.4%  
Net fixed assets Rs m6,89613,352 51.6%   
Share capital Rs m4855,982 8.1%   
Free reserves Rs m39,499200,328 19.7%   
Net worth Rs m61,085206,309 29.6%   
Borrowings Rs m23,396224,537 10.4%   
Investments Rs m251,043367,021 68.4%   
Total assets Rs m760,6451,786,484 42.6%  
Debt/equity ratio x11.17.2 154.3%   
Return on assets %0.71.6 41.6%  
Return on equity %8.313.9 59.9%  
Capital adequacy ratio %12.615.3 82.1%  
Net NPAs %2.80.3 839.4%  
CASH FLOW
From Operations Rs m1,181115,693 1.0%  
From Investments Rs m-2,609-2,736 95.4%  
From Financial Activity Rs m-3,376-27,683 12.2%  
Net Cashflow Rs m-4,80585,274 -5.6%  

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:   DENA BANK  IDBI BANK  UNITED BANK OF INDIA  CORPORATION BANK  HDFC BANK  

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



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