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Compare J&K Bank with PNB - Equitymaster
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J&K BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    J&K BANK PNB J&K BANK/
PNB
 
P/E (TTM) x 3.6 -19.3 - View Chart
P/BV x 0.6 0.6 102.7% View Chart
Dividend Yield % 2.6 0.0 -  

Financials

 J&K BANK   PNB
EQUITY SHARE DATA
    J&K BANK
Mar-15
PNB
Mar-16
J&K BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs119167 71.2%   
Low Rs9571 133.2%   
Income per share (Unadj.) Rs1,456.5258.7 562.9%  
Earnings per share (Unadj.) Rs104.9-19.6 -535.9%  
Cash flow per share (Unadj.) Rs251.8-60.5 -415.9%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0212.9 591.8%  
Shares outstanding (eoy) m48.481,963.60 2.5%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.5 16.0%   
Avg P/E ratio x1.0-6.1 -16.8%  
Avg P/CF ratio x0.31.8 18.8%  
Avg Price/Bookvalue ratio x0.10.6 15.2%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,185233,865 2.2%   
No. of employees `0001.070.8 1.4%   
Total wages & salary Rs m8,97665,645 13.7%   
Avg. income/employee Rs Th73,553.47,175.6 1,025.1%   
Avg. wages/employee Rs Th9,349.6927.2 1,008.4%   
Avg. net profit/employee Rs Th5,296.7-542.8 -975.8%   
INCOME DATA
Interest income Rs m70,611508,039 13.9%  
Other income Rs m5,99069,766 8.6%   
Interest expense Rs m44,086343,306 12.8%   
Net interest income Rs m26,526164,733 16.1%  
Operating expense Rs m14,159103,499 13.7%   
Gross profit Rs m12,36661,234 20.2%  
Gross profit margin %17.512.1 145.3%  
Provisions/contingencies Rs m10,155167,633 6.1%   
Profit before tax Rs m8,202-52,931 -15.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,117-16,299 -19.1%   
Profit after tax Rs m5,085-38,430 -13.2%  
Net profit margin %7.2-7.6 -95.2%  
BALANCE SHEET DATA
Advances Rs m445,8584,460,830 10.0%   
Deposits Rs m657,3625,703,826 11.5%  
Credit/Deposit ratio x67.878.2 86.7%  
Yield on advances %11.68.4 138.5%   
Cost of deposits %6.45.4 119.2%   
Net Interest Margin %3.62.4 150.9%  
Net fixed assets Rs m6,89653,081 13.0%   
Share capital Rs m4853,927 12.3%   
Free reserves Rs m39,499295,310 13.4%   
Net worth Rs m61,085418,043 14.6%   
Borrowings Rs m23,396816,737 2.9%   
Investments Rs m251,0431,651,265 15.2%   
Total assets Rs m760,6457,127,930 10.7%  
Debt/equity ratio x11.115.6 71.4%   
Return on assets %0.7-0.5 -124.0%  
Return on equity %8.3-9.2 -90.6%  
Capital adequacy ratio %12.613.7 92.0%  
Net NPAs %2.88.6 32.2%  
CASH FLOW
From Operations Rs m1,181141,670 0.8%  
From Investments Rs m-2,609-13,515 19.3%  
From Financial Activity Rs m-3,37659,747 -5.7%  
Net Cashflow Rs m-4,805187,902 -2.6%  

Share Holding

Indian Promoters % 53.2 58.9 90.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 18.7 23.0%  
FIIs % 29.3 17.2 170.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 5.3 250.9%  
Shareholders   56,111 215,441 26.0%  
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  KOTAK MAH. BANK  AXIS BANK  BANK OF BARODA  

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



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Aug 18, 2017 (Close)

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