Compare J&K Bank with Karnataka Bank - Equitymaster

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J&K BANK vs KARNATAKA 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 KARNATAKA BANK J&K BANK/
KARNATAKA BANK
 
P/E (TTM) x -1.1 3.1 - View Chart
P/BV x 0.2 0.2 81.9% View Chart
Dividend Yield % 0.0 6.4 -  

Financials

 J&K BANK   KARNATAKA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
KARNATAKA BANK
Mar-18
J&K BANK/
KARNATAKA BANK
5-Yr Chart
Click to enlarge
High Rs96179 53.5%   
Low Rs55115 47.4%   
Income per share (Unadj.) Rs1,189.2191.9 619.6%  
Earnings per share (Unadj.) Rs36.416.4 222.3%  
Cash flow per share (Unadj.) Rs167.422.0 759.2%  
Dividends per share (Unadj.) Rs03.00 0.0%  
Avg Dividend yield %02.0 0.0%  
Book value per share (Unadj.) Rs1,105.9191.4 577.7%  
Shares outstanding (eoy) m55.68282.61 19.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.8 8.2%   
Avg P/E ratio x2.19.0 23.0%  
Avg P/CF ratio x0.32.6 11.8%  
Avg Price/Bookvalue ratio x0.10.8 8.8%  
Dividend payout %018.3 0.0%   
Avg Mkt Cap Rs m4,18241,544 10.1%   
No. of employees `0001.08.2 12.5%   
Total wages & salary Rs m12,8695,248 245.2%   
Avg. income/employee Rs Th64,852.16,626.5 978.7%   
Avg. wages/employee Rs Th12,604.2641.2 1,965.8%   
Avg. net profit/employee Rs Th1,985.2565.4 351.1%   
INCOME DATA
Interest income Rs m66,21454,238 122.1%  
Other income Rs m5,0089,543 52.5%   
Interest expense Rs m37,50235,661 105.2%   
Net interest income Rs m28,71218,577 154.6%  
Operating expense Rs m19,90213,388 148.7%   
Gross profit Rs m8,8105,189 169.8%  
Gross profit margin %13.39.6 139.1%  
Provisions/contingencies Rs m11,79211,630 101.4%   
Profit before tax Rs m1,2094,473 27.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-818-155 527.5%   
Profit after tax Rs m2,0274,628 43.8%  
Net profit margin %3.18.5 35.9%  
BALANCE SHEET DATA
Advances Rs m569,127472,518 120.4%   
Deposits Rs m800,045628,713 127.3%  
Credit/Deposit ratio x71.175.2 94.7%  
Yield on advances %8.78.6 101.2%   
Cost of deposits %4.55.5 81.7%   
Net Interest Margin %3.42.8 121.9%  
Net fixed assets Rs m16,1497,616 212.0%   
Share capital Rs m5572,826 19.7%   
Free reserves Rs m32,33619,741 163.8%   
Net worth Rs m61,57654,102 113.8%   
Borrowings Rs m16,2838,160 199.6%   
Investments Rs m188,600154,444 122.1%   
Total assets Rs m896,844703,737 127.4%  
Debt/equity ratio x13.311.8 112.6%   
Return on assets %0.20.7 34.4%  
Return on equity %3.38.6 38.5%  
Capital adequacy ratio %11.412.0 94.9%  
Net NPAs %4.93.0 165.5%  
CASH FLOW
From Operations Rs m23,6277,209 327.7%  
From Investments Rs m-1,639-913 179.4%  
From Financial Activity Rs m6,684-3,026 -220.9%  
Net Cashflow Rs m28,6723,270 876.9%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 21.1 20.4%  
FIIs % 29.3 10.0 293.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 68.9 19.3%  
Shareholders   56,111 123,252 45.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   ICICI BANK  DENA BANK  ORIENTAL BANK  AXIS BANK  BANK OF BARODA  

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



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Oct 17, 2019 | Updated on Oct 17, 2019

For the quarter ended September 2019, KARNATAKA BANK has posted a net profit of Rs 1 bn (down 5.3% YoY). Sales on the other hand came in at Rs 16 bn (up 12.2% YoY). Read on for a complete analysis of KARNATAKA BANK's quarterly results.

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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Nov 24, 2020 (Close)

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