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Compare J&K Bank with Punjab & Sind Bank - Equitymaster
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J&K BANK vs PUNJAB & SIND 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 PUNJAB & SIND BANK J&K BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 3.5 5.8 61.2% View Chart
P/BV x 0.6 0.3 183.4% View Chart
Dividend Yield % 2.6 1.2 211.7%  

Financials

 J&K BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
PUNJAB & SIND BANK
Mar-15
J&K BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs11984 141.7%   
Low Rs9544 216.9%   
Income per share (Unadj.) Rs1,456.5214.5 679.0%  
Earnings per share (Unadj.) Rs104.93.0 3,460.8%  
Cash flow per share (Unadj.) Rs251.821.3 1,181.5%  
Dividends per share (Unadj.) Rs2.100.60 350.0%  
Avg Dividend yield %2.00.9 209.0%  
Book value per share (Unadj.) Rs1,260.0139.8 901.5%  
Shares outstanding (eoy) m48.48400.41 12.1%   
Bonus/Rights/Conversions -PA-  
Avg Price / Income ratio x0.10.3 24.7%   
Avg P/E ratio x1.021.1 4.8%  
Avg P/CF ratio x0.33.4 10.0%  
Avg Price/Bookvalue ratio x0.10.5 18.6%  
Dividend payout %2.019.8 10.1%   
Avg Mkt Cap Rs m5,18525,566 20.3%   
No. of employees `0001.09.2 10.5%   
Total wages & salary Rs m8,9768,743 102.7%   
Avg. income/employee Rs Th73,553.49,355.7 786.2%   
Avg. wages/employee Rs Th9,349.6952.4 981.6%   
Avg. net profit/employee Rs Th5,296.7132.2 4,006.9%   
INCOME DATA
Interest income Rs m70,61185,886 82.2%  
Other income Rs m5,9904,288 139.7%   
Interest expense Rs m44,08669,094 63.8%   
Net interest income Rs m26,52616,792 158.0%  
Operating expense Rs m14,15913,325 106.3%   
Gross profit Rs m12,3663,467 356.7%  
Gross profit margin %17.54.0 433.8%  
Provisions/contingencies Rs m10,1556,273 161.9%   
Profit before tax Rs m8,2021,481 553.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117268 1,164.4%   
Profit after tax Rs m5,0851,214 419.0%  
Net profit margin %7.21.4 509.7%  
BALANCE SHEET DATA
Advances Rs m445,858638,702 69.8%   
Deposits Rs m657,362867,147 75.8%  
Credit/Deposit ratio x67.873.7 92.1%  
Yield on advances %11.610.0 116.0%   
Cost of deposits %6.47.7 82.8%   
Net Interest Margin %3.61.8 204.0%  
Net fixed assets Rs m6,8969,948 69.3%   
Share capital Rs m4854,004 12.1%   
Free reserves Rs m39,49931,061 127.2%   
Net worth Rs m61,08555,962 109.2%   
Borrowings Rs m23,39630,482 76.8%   
Investments Rs m251,043267,517 93.8%   
Total assets Rs m760,645977,534 77.8%  
Debt/equity ratio x11.116.0 69.5%   
Return on assets %0.70.1 538.5%  
Return on equity %8.32.2 383.9%  
Capital adequacy ratio %12.611.2 111.8%  
Net NPAs %2.83.6 78.0%  
CASH FLOW
From Operations Rs m1,181-19,816 -6.0%  
From Investments Rs m-2,609-845 308.8%  
From Financial Activity Rs m-3,376-392 860.7%  
Net Cashflow Rs m-4,805-21,053 22.8%  

Share Holding

Indian Promoters % 53.2 79.6 66.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 10.8 39.8%  
FIIs % 29.3 1.8 1,627.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 7.8 170.5%  
Shareholders   56,111 150,895 37.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   ORIENTAL BANK  KARUR VYSYA BANK  PNB  SBI  DCB BANK  

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



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