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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 6.1 3.4 177.9% View Chart
P/BV x 0.4 0.7 61.0% View Chart
Dividend Yield % 3.8 4.3 87.7%  

Financials

 J&K BANK   KARNATAKA BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
KARNATAKA BANK
Mar-16
J&K BANK/
KARNATAKA BANK
5-Yr Chart
Click to enlarge
High Rs119155 76.7%   
Low Rs9586 110.6%   
Income per share (Unadj.) Rs1,456.5264.9 549.8%  
Earnings per share (Unadj.) Rs104.922.1 475.5%  
Cash flow per share (Unadj.) Rs251.863.3 397.7%  
Dividends per share (Unadj.) Rs2.105.00 42.0%  
Avg Dividend yield %2.04.2 47.3%  
Book value per share (Unadj.) Rs1,260.0195.8 643.4%  
Shares outstanding (eoy) m48.48188.46 25.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.5 16.1%   
Avg P/E ratio x1.05.5 18.7%  
Avg P/CF ratio x0.33.1 11.1%  
Avg Price/Bookvalue ratio x0.10.6 13.8%  
Dividend payout %2.022.7 8.8%   
Avg Mkt Cap Rs m5,18522,700 22.8%   
No. of employees `0001.07.8 12.3%   
Total wages & salary Rs m8,9764,430 202.6%   
Avg. income/employee Rs Th73,553.46,406.8 1,148.0%   
Avg. wages/employee Rs Th9,349.6568.5 1,644.5%   
Avg. net profit/employee Rs Th5,296.7533.5 992.8%   
INCOME DATA
Interest income Rs m70,61149,922 141.4%  
Other income Rs m5,9905,429 110.3%   
Interest expense Rs m44,08636,893 119.5%   
Net interest income Rs m26,52613,029 203.6%  
Operating expense Rs m14,1599,912 142.9%   
Gross profit Rs m12,3663,117 396.7%  
Gross profit margin %17.56.2 280.5%  
Provisions/contingencies Rs m10,1553,265 311.0%   
Profit before tax Rs m8,2025,284 155.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,127 276.6%   
Profit after tax Rs m5,0854,157 122.3%  
Net profit margin %7.28.3 86.5%  
BALANCE SHEET DATA
Advances Rs m445,858339,024 131.5%   
Deposits Rs m657,362504,882 130.2%  
Credit/Deposit ratio x67.867.1 101.0%  
Yield on advances %11.610.9 106.0%   
Cost of deposits %6.47.1 90.0%   
Net Interest Margin %3.62.4 147.5%  
Net fixed assets Rs m6,8963,066 224.9%   
Share capital Rs m4851,885 25.7%   
Free reserves Rs m39,49912,672 311.7%   
Net worth Rs m61,08536,906 165.5%   
Borrowings Rs m23,39610,515 222.5%   
Investments Rs m251,043162,567 154.4%   
Total assets Rs m760,645565,003 134.6%  
Debt/equity ratio x11.114.0 79.8%   
Return on assets %0.70.7 90.9%  
Return on equity %8.311.3 73.9%  
Capital adequacy ratio %12.612.0 104.5%  
Net NPAs %2.82.4 117.9%  
CASH FLOW
From Operations Rs m1,1816,359 18.6%  
From Investments Rs m-2,609-579 450.5%  
From Financial Activity Rs m-3,376-1,473 229.3%  
Net Cashflow Rs m-4,8054,308 -111.5%  

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:   SYNDICATE BANK  CITY UNION BANK  DENA BANK  PNB  INDUSIND BANK  

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



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