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Compare J&K Bank with Kotak Bank - Equitymaster
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J&K BANK vs KOTAK MAH. 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

KOTAK MAH. BANK 
   Change

A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    J&K BANK KOTAK MAH. BANK J&K BANK/
KOTAK MAH. BANK
 
P/E (TTM) x 4.1 36.2 11.4% View Chart
P/BV x 0.5 5.1 10.3% View Chart
Dividend Yield % 3.2 0.1 5,676.7%  

Financials

 J&K BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
KOTAK MAH. BANK
Mar-17
J&K BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs119885 13.4%   
Low Rs95656 14.5%   
Income per share (Unadj.) Rs1,456.5121.3 1,201.1%  
Earnings per share (Unadj.) Rs104.926.8 390.8%  
Cash flow per share (Unadj.) Rs251.8112.0 224.8%  
Dividends per share (Unadj.) Rs2.100.60 350.0%  
Avg Dividend yield %2.00.1 2,522.2%  
Book value per share (Unadj.) Rs1,260.0209.1 602.6%  
Shares outstanding (eoy) m48.481,840.90 2.6%   
Bonus/Rights/Conversions -B-  
Avg Price / Income ratio x0.16.4 1.2%   
Avg P/E ratio x1.028.7 3.6%  
Avg P/CF ratio x0.324.1 1.4%  
Avg Price/Bookvalue ratio x0.13.7 2.3%  
Dividend payout %2.02.2 89.6%   
Avg Mkt Cap Rs m5,1851,418,782 0.4%   
No. of employees `0001.044.0 2.2%   
Total wages & salary Rs m8,97639,823 22.5%   
Avg. income/employee Rs Th73,553.45,073.7 1,449.7%   
Avg. wages/employee Rs Th9,349.6905.1 1,033.0%   
Avg. net profit/employee Rs Th5,296.71,122.8 471.7%   
INCOME DATA
Interest income Rs m70,611223,242 31.6%  
Other income Rs m5,990116,596 5.1%   
Interest expense Rs m44,086114,576 38.5%   
Net interest income Rs m26,526108,667 24.4%  
Operating expense Rs m14,159142,454 9.9%   
Gross profit Rs m12,366-33,788 -36.6%  
Gross profit margin %17.5-15.1 -115.7%  
Provisions/contingencies Rs m10,1559,489 107.0%   
Profit before tax Rs m8,20273,319 11.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-788 0.0%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m3,11723,829 13.1%   
Profit after tax Rs m5,08549,404 10.3%  
Net profit margin %7.222.1 32.5%  
BALANCE SHEET DATA
Advances Rs m445,8581,671 26,677.3%   
Deposits Rs m657,3621,555 42,263.2%  
Credit/Deposit ratio x67.8107.5 63.1%  
Yield on advances %11.69,944.3 0.1%   
Cost of deposits %6.45,183.7 0.1%   
Net Interest Margin %3.611.5 31.3%  
Net fixed assets Rs m6,89617,552 39.3%   
Share capital Rs m4859,205 5.3%   
Free reserves Rs m39,499312,282 12.6%   
Net worth Rs m61,085384,908 15.9%   
Borrowings Rs m23,396496,899 4.7%   
Investments Rs m251,043684,615 36.7%   
Total assets Rs m760,6452,761,876 27.5%  
Debt/equity ratio x11.11.3 860.6%   
Return on assets %0.71.8 37.4%  
Return on equity %8.312.8 64.9%  
Capital adequacy ratio %12.616.8 74.8%  
Net NPAs %2.81.3 213.1%  
CASH FLOW
From Operations Rs m1,181132,020 0.9%  
From Investments Rs m-2,609-52,681 5.0%  
From Financial Activity Rs m-3,37660,553 -5.6%  
Net Cashflow Rs m-4,805139,891 -3.4%  

Share Holding

Indian Promoters % 53.2 43.6 122.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 1.9 226.3%  
FIIs % 29.3 31.7 92.4%  
ADR/GDR % 0.0 0.2 -  
Free float % 13.3 22.7 58.6%  
Shareholders   56,111 64,886 86.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   KARNATAKA BANK  ALLAHABAD BANK  SOUTH IND.BANK  UNITED BANK OF INDIA  UNION BANK  

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



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