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 -0.6 -13.2 - View Chart
P/BV x 0.1 0.1 103.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   PNB
EQUITY SHARE DATA
    J&K BANK
Mar-18
PNB
Mar-19
J&K BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs96105 91.0%   
Low Rs5560 91.1%   
Income per share (Unadj.) Rs1,189.2113.3 1,049.9%  
Earnings per share (Unadj.) Rs36.4-21.8 -167.2%  
Cash flow per share (Unadj.) Rs167.4-53.9 -310.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.998.9 1,118.6%  
Shares outstanding (eoy) m55.684,604.05 1.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.7 8.7%   
Avg P/E ratio x2.1-3.8 -54.5%  
Avg P/CF ratio x0.33.4 8.9%  
Avg Price/Bookvalue ratio x0.10.8 8.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,182379,834 1.1%   
No. of employees `0001.070.8 1.4%   
Total wages & salary Rs m12,86970,475 18.3%   
Avg. income/employee Rs Th64,852.17,364.4 880.6%   
Avg. wages/employee Rs Th12,604.2995.3 1,266.4%   
Avg. net profit/employee Rs Th1,985.2-1,416.0 -140.2%   
INCOME DATA
Interest income Rs m66,214521,471 12.7%  
Other income Rs m5,00873,674 6.8%   
Interest expense Rs m37,502346,557 10.8%   
Net interest income Rs m28,712174,915 16.4%  
Operating expense Rs m19,902116,893 17.0%   
Gross profit Rs m8,81058,022 15.2%  
Gross profit margin %13.311.1 119.6%  
Provisions/contingencies Rs m11,792211,381 5.6%   
Profit before tax Rs m1,209-149,085 -0.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-818-53,384 1.5%   
Profit after tax Rs m2,027-100,264 -2.0%  
Net profit margin %3.1-19.2 -15.9%  
BALANCE SHEET DATA
Advances Rs m569,1274,624,162 12.3%   
Deposits Rs m800,0456,818,742 11.7%  
Credit/Deposit ratio x71.167.8 104.9%  
Yield on advances %8.77.7 114.2%   
Cost of deposits %4.54.7 95.2%   
Net Interest Margin %3.42.3 146.4%  
Net fixed assets Rs m16,14962,476 25.8%   
Share capital Rs m5579,208 6.0%   
Free reserves Rs m32,336445,973 7.3%   
Net worth Rs m61,576455,181 13.5%   
Borrowings Rs m16,283468,280 3.5%   
Investments Rs m188,6002,097,230 9.0%   
Total assets Rs m896,8447,892,658 11.4%  
Debt/equity ratio x13.316.0 82.8%   
Return on assets %0.2-1.3 -17.8%  
Return on equity %3.3-22.0 -14.9%  
Capital adequacy ratio %11.49.7 117.4%  
Net NPAs %4.96.6 74.7%  
CASH FLOW
From Operations Rs m23,627-341,580 -6.9%  
From Investments Rs m-1,6392,248 -72.9%  
From Financial Activity Rs m6,684137,410 4.9%  
Net Cashflow Rs m28,672-201,922 -14.2%  

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:   KARUR VYSYA BANK  PUNJAB & SIND BANK  SYNDICATE BANK  BANDHAN BANK  CANARA BANK  

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



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