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

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    J&K BANK SBI J&K BANK/
SBI
 
P/E (TTM) x 4.1 23.9 17.2% View Chart
P/BV x 0.5 1.0 54.1% View Chart
Dividend Yield % 3.2 1.0 331.5%  

Financials

 J&K BANK   SBI
EQUITY SHARE DATA
    J&K BANK
Mar-15
SBI
Mar-17
J&K BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs119294 40.4%   
Low Rs95167 57.0%   
Income per share (Unadj.) Rs1,456.5289.0 504.0%  
Earnings per share (Unadj.) Rs104.90.3 34,671.6%  
Cash flow per share (Unadj.) Rs251.834.6 728.1%  
Dividends per share (Unadj.) Rs2.102.60 80.8%  
Avg Dividend yield %2.01.1 174.0%  
Book value per share (Unadj.) Rs1,260.0272.4 462.6%  
Shares outstanding (eoy) m48.487,974.33 0.6%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.10.8 9.2%   
Avg P/E ratio x1.0761.8 0.1%  
Avg P/CF ratio x0.33.0 11.4%  
Avg Price/Bookvalue ratio x0.10.8 10.0%  
Dividend payout %2.0859.5 0.2%   
Avg Mkt Cap Rs m5,1851,837,684 0.3%   
No. of employees `0001.0209.6 0.5%   
Total wages & salary Rs m8,976356,912 2.5%   
Avg. income/employee Rs Th73,553.410,996.4 668.9%   
Avg. wages/employee Rs Th9,349.61,703.1 549.0%   
Avg. net profit/employee Rs Th5,296.711.5 46,014.4%   
INCOME DATA
Interest income Rs m70,6112,304,475 3.1%  
Other income Rs m5,990681,930 0.9%   
Interest expense Rs m44,0861,491,147 3.0%   
Net interest income Rs m26,526813,328 3.3%  
Operating expense Rs m14,159872,901 1.6%   
Gross profit Rs m12,366-59,573 -20.8%  
Gross profit margin %17.5-2.6 -677.5%  
Provisions/contingencies Rs m10,155612,909 1.7%   
Profit before tax Rs m8,2029,448 86.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m03,386 0.0%   
Prior Period Items Rs m02,933 0.0%   
Tax Rs m3,11713,355 23.3%   
Profit after tax Rs m5,0852,412 210.8%  
Net profit margin %7.20.1 6,879.2%  
BALANCE SHEET DATA
Advances Rs m445,85818,968,868 2.4%   
Deposits Rs m657,36225,998,107 2.5%  
Credit/Deposit ratio x67.873.0 93.0%  
Yield on advances %11.68.3 140.0%   
Cost of deposits %6.45.3 119.8%   
Net Interest Margin %3.62.5 142.0%  
Net fixed assets Rs m6,896509,407 1.4%   
Share capital Rs m4857,974 6.1%   
Free reserves Rs m39,4992,163,948 1.8%   
Net worth Rs m61,0852,171,922 2.8%   
Borrowings Rs m23,3963,363,657 0.7%   
Investments Rs m251,04310,272,809 2.4%   
Total assets Rs m760,64534,451,216 2.2%  
Debt/equity ratio x11.113.5 82.4%   
Return on assets %0.70 9,547.0%  
Return on equity %8.30.1 7,494.7%  
Capital adequacy ratio %12.613.6 92.7%  
Net NPAs %2.83.7 74.7%  
CASH FLOW
From Operations Rs m1,181774,060 0.2%  
From Investments Rs m-2,609-28,321 9.2%  
From Financial Activity Rs m-3,376-41,965 8.0%  
Net Cashflow Rs m-4,805703,774 -0.7%  

Share Holding

Indian Promoters % 53.2 58.6 90.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 20.9 20.6%  
FIIs % 29.3 9.7 302.1%  
ADR/GDR % 0.0 2.1 -  
Free float % 13.3 8.7 152.9%  
Shareholders   56,111 855,889 6.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   PUNJAB & SIND BANK  UNION BANK  AXIS BANK  KARUR VYSYA BANK  PNB  

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



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