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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 -1.3 18.0 - View Chart
P/BV x 0.2 1.3 18.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   SBI
EQUITY SHARE DATA
    J&K BANK
Mar-18
SBI
Mar-20
J&K BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs96373 25.6%   
Low Rs55174 31.4%   
Income per share (Unadj.) Rs1,189.2302.4 393.3%  
Earnings per share (Unadj.) Rs36.422.1 164.3%  
Cash flow per share (Unadj.) Rs167.4128.1 130.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.9281.3 393.1%  
Shares outstanding (eoy) m55.688,924.59 0.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.9 7.0%   
Avg P/E ratio x2.112.3 16.7%  
Avg P/CF ratio x0.33.6 8.3%  
Avg Price/Bookvalue ratio x0.11.0 7.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,1822,440,429 0.2%   
No. of employees `0001.0249.4 0.4%   
Total wages & salary Rs m12,869488,510 2.6%   
Avg. income/employee Rs Th64,852.110,818.0 599.5%   
Avg. wages/employee Rs Th12,604.21,958.4 643.6%   
Avg. net profit/employee Rs Th1,985.2792.5 250.5%   
INCOME DATA
Interest income Rs m66,2142,698,517 2.5%  
Other income Rs m5,008981,590 0.5%   
Interest expense Rs m37,5021,611,238 2.3%   
Net interest income Rs m28,7121,087,279 2.6%  
Operating expense Rs m19,9021,317,816 1.5%   
Gross profit Rs m8,810-230,537 -3.8%  
Gross profit margin %13.3-8.5 -155.7%  
Provisions/contingencies Rs m11,792470,991 2.5%   
Profit before tax Rs m1,209280,062 0.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-13,722 0.0%   
Prior Period Items Rs m029,631 0.0%   
Tax Rs m-81898,294 -0.8%   
Profit after tax Rs m2,027197,678 1.0%  
Net profit margin %3.17.3 41.8%  
BALANCE SHEET DATA
Advances Rs m569,12723,743,112 2.4%   
Deposits Rs m800,04532,741,606 2.4%  
Credit/Deposit ratio x71.172.5 98.1%  
Yield on advances %8.77.8 112.0%   
Cost of deposits %4.54.5 99.8%   
Net Interest Margin %3.42.8 121.2%  
Net fixed assets Rs m16,149400,782 4.0%   
Share capital Rs m5578,925 6.2%   
Free reserves Rs m32,3362,501,677 1.3%   
Net worth Rs m61,5762,510,601 2.5%   
Borrowings Rs m16,2833,329,007 0.5%   
Investments Rs m188,60012,282,843 1.5%   
Total assets Rs m896,84441,974,923 2.1%  
Debt/equity ratio x13.314.4 92.3%   
Return on assets %0.20.5 48.0%  
Return on equity %3.37.9 41.8%  
Capital adequacy ratio %11.413.1 87.0%  
Net NPAs %4.92.2 219.7%  
CASH FLOW
From Operations Rs m23,627239,285 9.9%  
From Investments Rs m-1,639-33,237 4.9%  
From Financial Activity Rs m6,68454,295 12.3%  
Net Cashflow Rs m28,672288,030 10.0%  

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:   PNB  INDIAN OVERSEAS BANK  ICICI BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  

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



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