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 -0.6 10.6 - View Chart
P/BV x 0.1 1.4 8.4% View Chart
Dividend Yield % 0.0 1.2 -  

Financials

 J&K BANK   INDUSIND BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
INDUSIND BANK
Mar-19
J&K BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs962,021 4.7%   
Low Rs551,397 3.9%   
Income per share (Unadj.) Rs1,189.2369.4 322.0%  
Earnings per share (Unadj.) Rs36.454.8 66.5%  
Cash flow per share (Unadj.) Rs167.4137.4 121.9%  
Dividends per share (Unadj.) Rs07.50 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs1,105.9442.6 249.9%  
Shares outstanding (eoy) m55.68602.69 9.2%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.14.6 1.4%   
Avg P/E ratio x2.131.2 6.6%  
Avg P/CF ratio x0.316.1 1.9%  
Avg Price/Bookvalue ratio x0.13.9 1.8%  
Dividend payout %013.7 0.0%   
Avg Mkt Cap Rs m4,1821,029,967 0.4%   
No. of employees `0001.027.7 3.7%   
Total wages & salary Rs m12,86918,535 69.4%   
Avg. income/employee Rs Th64,852.18,025.2 808.1%   
Avg. wages/employee Rs Th12,604.2668.2 1,886.3%   
Avg. net profit/employee Rs Th1,985.21,190.1 166.8%   
INCOME DATA
Interest income Rs m66,214222,612 29.7%  
Other income Rs m5,00856,467 8.9%   
Interest expense Rs m37,502134,150 28.0%   
Net interest income Rs m28,71288,462 32.5%  
Operating expense Rs m19,90264,053 31.1%   
Gross profit Rs m8,81024,409 36.1%  
Gross profit margin %13.311.0 121.3%  
Provisions/contingencies Rs m11,79231,077 37.9%   
Profit before tax Rs m1,20949,806 2.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-81816,795 -4.9%   
Profit after tax Rs m2,02733,011 6.1%  
Net profit margin %3.114.8 20.6%  
BALANCE SHEET DATA
Advances Rs m569,1271,863,935 30.5%   
Deposits Rs m800,0451,948,679 41.1%  
Credit/Deposit ratio x71.195.7 74.4%  
Yield on advances %8.79.8 89.3%   
Cost of deposits %4.55.4 82.9%   
Net Interest Margin %3.43.4 100.6%  
Net fixed assets Rs m16,14917,100 94.4%   
Share capital Rs m5576,027 9.2%   
Free reserves Rs m32,336260,734 12.4%   
Net worth Rs m61,576266,761 23.1%   
Borrowings Rs m16,283473,211 3.4%   
Investments Rs m188,600592,680 31.8%   
Total assets Rs m896,8442,778,207 32.3%  
Debt/equity ratio x13.39.1 146.0%   
Return on assets %0.21.2 19.0%  
Return on equity %3.312.4 26.6%  
Capital adequacy ratio %11.414.2 80.6%  
Net NPAs %4.91.2 405.0%  
CASH FLOW
From Operations Rs m23,627-63,890 -37.0%  
From Investments Rs m-1,639-6,379 25.7%  
From Financial Activity Rs m6,68485,897 7.8%  
Net Cashflow Rs m28,67215,675 182.9%  

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:   SYNDICATE BANK  DHANLAXMI BANK  HDFC BANK  PNB  CITY UNION BANK  

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



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Oct 27, 2020 (Close)

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