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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 3.9 320.5 1.2% View Chart
P/BV x 0.3 1.2 25.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   SBI
EQUITY SHARE DATA
    J&K BANK
Mar-18
SBI
Mar-19
J&K BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs96321 29.8%   
Low Rs55233 23.4%   
Income per share (Unadj.) Rs1,189.2283.8 419.0%  
Earnings per share (Unadj.) Rs36.42.6 1,412.7%  
Cash flow per share (Unadj.) Rs167.454.2 309.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.9262.8 420.9%  
Shares outstanding (eoy) m55.688,924.59 0.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.11.0 6.5%   
Avg P/E ratio x2.1107.5 1.9%  
Avg P/CF ratio x0.33.8 8.0%  
Avg Price/Bookvalue ratio x0.11.1 6.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,1822,473,004 0.2%   
No. of employees `0001.0257.3 0.4%   
Total wages & salary Rs m12,869437,950 2.9%   
Avg. income/employee Rs Th64,852.19,847.2 658.6%   
Avg. wages/employee Rs Th12,604.21,702.4 740.4%   
Avg. net profit/employee Rs Th1,985.289.4 2,220.8%   
INCOME DATA
Interest income Rs m66,2142,533,221 2.6%  
Other income Rs m5,008773,652 0.6%   
Interest expense Rs m37,5021,558,675 2.4%   
Net interest income Rs m28,712974,547 2.9%  
Operating expense Rs m19,9021,148,003 1.7%   
Gross profit Rs m8,810-173,456 -5.1%  
Gross profit margin %13.3-6.8 -194.3%  
Provisions/contingencies Rs m11,792628,566 1.9%   
Profit before tax Rs m1,209-28,370 -4.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-10,509 0.0%   
Prior Period Items Rs m02,815 0.0%   
Tax Rs m-818-59,061 1.4%   
Profit after tax Rs m2,02722,996 8.8%  
Net profit margin %3.10.9 337.2%  
BALANCE SHEET DATA
Advances Rs m569,12722,268,537 2.6%   
Deposits Rs m800,04529,405,411 2.7%  
Credit/Deposit ratio x71.175.7 93.9%  
Yield on advances %8.77.5 117.2%   
Cost of deposits %4.54.8 94.2%   
Net Interest Margin %3.42.7 125.2%  
Net fixed assets Rs m16,149407,031 4.0%   
Share capital Rs m5578,925 6.2%   
Free reserves Rs m32,3362,336,032 1.4%   
Net worth Rs m61,5762,344,957 2.6%   
Borrowings Rs m16,2834,137,477 0.4%   
Investments Rs m188,60011,192,478 1.7%   
Total assets Rs m896,84438,884,671 2.3%  
Debt/equity ratio x13.314.3 92.7%   
Return on assets %0.20.1 382.1%  
Return on equity %3.31.0 335.7%  
Capital adequacy ratio %11.412.9 88.9%  
Net NPAs %4.93.0 162.8%  
CASH FLOW
From Operations Rs m23,627295,560 8.0%  
From Investments Rs m-1,639-8,568 19.1%  
From Financial Activity Rs m6,6844,476 149.3%  
Net Cashflow Rs m28,672302,232 9.5%  

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:   UNITED BANK OF INDIA  PUNJAB & SIND BANK  VIJAYA BANK  YES BANK  KARNATAKA BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

SBI Announces Quarterly Results (4QFY19); Net Profit Up 110.9% (Quarterly Result Update)

May 13, 2019 | Updated on May 13, 2019

For the quarter ended March 2019, SBI has posted a net profit of Rs 8 bn (up 110.9% YoY). Sales on the other hand came in at Rs 630 bn (up 12.6% YoY). Read on for a complete analysis of SBI's quarterly results.

SBI Announces Quarterly Results (3QFY19); Net Profit Up 263.7% (Quarterly Result Update)

Feb 4, 2019 | Updated on Feb 4, 2019

For the quarter ended December 2018, SBI has posted a net profit of Rs 40 bn (up 263.7% YoY). Sales on the other hand came in at Rs 623 bn (up 13.6% YoY). Read on for a complete analysis of SBI's quarterly results.

J&K BANK Announces Quarterly Results (3QFY19); Net Profit Up 43.2% (Quarterly Result Update)

Jan 14, 2019 | Updated on Jan 14, 2019

For the quarter ended December 2018, J&K BANK has posted a net profit of Rs 1 bn (up 43.2% YoY). Sales on the other hand came in at Rs 20 bn (up 19.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

SBI Announces Quarterly Results (2QFY19); Net Profit Down 40.3% (Quarterly Result Update)

Nov 12, 2018 | Updated on Nov 12, 2018

For the quarter ended September 2018, SBI has posted a net profit of Rs 9 bn (down 40.3% YoY). Sales on the other hand came in at Rs 588 bn (up 7.2% YoY). Read on for a complete analysis of SBI's quarterly results.

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