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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 12.2 -17.7 - View Chart
P/BV x 0.5 1.0 46.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   SBI
EQUITY SHARE DATA
    J&K BANK
Mar-17
SBI
Mar-18
J&K BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs92337 27.3%   
Low Rs55235 23.3%   
Income per share (Unadj.) Rs1,282.5256.6 499.9%  
Earnings per share (Unadj.) Rs-313.3-5.1 6,135.8%  
Cash flow per share (Unadj.) Rs-496.911.4 -4,351.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.5258.1 421.4%  
Shares outstanding (eoy) m52.138,924.59 0.6%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.11.1 5.1%   
Avg P/E ratio x-0.2-56.0 0.4%  
Avg P/CF ratio x0.33.6 9.0%  
Avg Price/Bookvalue ratio x0.11.1 6.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,8212,552,433 0.1%   
No. of employees `0000.9264.0 0.4%   
Total wages & salary Rs m11,225354,106 3.2%   
Avg. income/employee Rs Th72,278.98,671.8 833.5%   
Avg. wages/employee Rs Th12,135.61,341.1 904.9%   
Avg. net profit/employee Rs Th-17,653.9-172.6 10,230.6%   
INCOME DATA
Interest income Rs m66,8582,289,703 2.9%  
Other income Rs m4,973775,572 0.6%   
Interest expense Rs m41,7301,466,030 2.8%   
Net interest income Rs m25,128823,673 3.1%  
Operating expense Rs m17,164961,544 1.8%   
Gross profit Rs m7,964-137,871 -5.8%  
Gross profit margin %11.9-6.0 -197.8%  
Provisions/contingencies Rs m28,003746,816 3.7%   
Profit before tax Rs m-15,067-109,114 13.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-8,070 0.0%   
Prior Period Items Rs m04,382 0.0%   
Tax Rs m1,263-67,240 -1.9%   
Profit after tax Rs m-16,330-45,563 35.8%  
Net profit margin %-24.4-2.0 1,227.4%  
BALANCE SHEET DATA
Advances Rs m498,16119,601,185 2.5%   
Deposits Rs m724,59027,221,783 2.7%  
Credit/Deposit ratio x68.872.0 95.5%  
Yield on advances %9.67.4 129.9%   
Cost of deposits %5.65.0 112.6%   
Net Interest Margin %3.32.5 133.2%  
Net fixed assets Rs m15,437412,258 3.7%   
Share capital Rs m5228,925 5.8%   
Free reserves Rs m27,8852,294,295 1.2%   
Net worth Rs m56,6922,303,220 2.5%   
Borrowings Rs m12,7613,690,793 0.3%   
Investments Rs m212,70911,837,942 1.8%   
Total assets Rs m820,12136,164,330 2.3%  
Debt/equity ratio x13.013.4 96.9%   
Return on assets %-2.0-0.1 1,580.4%  
Return on equity %-28.8-2.0 1,456.1%  
Capital adequacy ratio %10.812.7 84.8%  
Net NPAs %5.15.7 88.3%  
CASH FLOW
From Operations Rs m24,571-965,079 -2.5%  
From Investments Rs m-8,614110,658 -7.8%  
From Financial Activity Rs m5,92955,472 10.7%  
Net Cashflow Rs m21,886-779,081 -2.8%  

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:   ALLAHABAD BANK  ANDHRA BANK  DHANLAXMI BANK  KARNATAKA BANK  VIJAYA BANK  

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



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