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 -1.2 -29.7 - View Chart
P/BV x 0.2 0.1 187.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   PNB
EQUITY SHARE DATA
    J&K BANK
Mar-18
PNB
Mar-20
J&K BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs96100 95.8%   
Low Rs5529 189.2%   
Income per share (Unadj.) Rs1,189.281.5 1,458.9%  
Earnings per share (Unadj.) Rs36.40.7 5,593.9%  
Cash flow per share (Unadj.) Rs167.4-3.3 -5,112.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.994.8 1,166.5%  
Shares outstanding (eoy) m55.686,737.57 0.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.8 8.0%   
Avg P/E ratio x2.198.9 2.1%  
Avg P/CF ratio x0.32.8 11.0%  
Avg Price/Bookvalue ratio x0.10.7 10.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,182433,563 1.0%   
No. of employees `0001.068.8 1.5%   
Total wages & salary Rs m12,86970,600 18.2%   
Avg. income/employee Rs Th64,852.17,984.5 812.2%   
Avg. wages/employee Rs Th12,604.21,026.4 1,227.9%   
Avg. net profit/employee Rs Th1,985.263.7 3,114.3%   
INCOME DATA
Interest income Rs m66,214549,185 12.1%  
Other income Rs m5,00893,877 5.3%   
Interest expense Rs m37,502369,975 10.1%   
Net interest income Rs m28,712179,210 16.0%  
Operating expense Rs m19,902121,505 16.4%   
Gross profit Rs m8,81057,705 15.3%  
Gross profit margin %13.310.5 126.6%  
Provisions/contingencies Rs m11,792152,585 7.7%   
Profit before tax Rs m1,20910,237 11.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,216 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8184,637 -17.6%   
Profit after tax Rs m2,0274,385 46.2%  
Net profit margin %3.10.8 383.4%  
BALANCE SHEET DATA
Advances Rs m569,1274,768,533 11.9%   
Deposits Rs m800,0457,102,544 11.3%  
Credit/Deposit ratio x71.167.1 106.0%  
Yield on advances %8.77.6 115.4%   
Cost of deposits %4.54.9 93.0%   
Net Interest Margin %3.42.2 154.1%  
Net fixed assets Rs m16,14972,620 22.2%   
Share capital Rs m55713,475 4.1%   
Free reserves Rs m32,336625,289 5.2%   
Net worth Rs m61,576638,764 9.6%   
Borrowings Rs m16,283625,124 2.6%   
Investments Rs m188,6002,537,825 7.4%   
Total assets Rs m896,8448,514,573 10.5%  
Debt/equity ratio x13.312.1 109.6%   
Return on assets %0.20.1 438.9%  
Return on equity %3.30.7 479.6%  
Capital adequacy ratio %11.414.1 80.8%  
Net NPAs %4.95.8 84.8%  
CASH FLOW
From Operations Rs m23,627-113,362 -20.8%  
From Investments Rs m-1,639-15,159 10.8%  
From Financial Activity Rs m6,684135,571 4.9%  
Net Cashflow Rs m28,6727,050 406.7%  

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  BANK OF MAHARASHTRA  SOUTH IND.BANK  BANDHAN BANK  CANARA BANK  

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



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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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Mar 5, 2021 (Close)

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