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Compare J&K Bank with South Ind.Bank - Equitymaster

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J&K BANK vs SOUTH IND.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 SOUTH IND.BANK J&K BANK/
SOUTH IND.BANK
 
P/E (TTM) x 7.0 6.5 108.0% View Chart
P/BV x 0.3 0.4 70.5% View Chart
Dividend Yield % 0.0 2.6 -  

Financials

 J&K BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
SOUTH IND.BANK
Mar-18
J&K BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs9635 275.0%   
Low Rs5520 272.5%   
Income per share (Unadj.) Rs1,189.234.2 3,473.4%  
Earnings per share (Unadj.) Rs36.41.9 1,966.2%  
Cash flow per share (Unadj.) Rs167.44.6 3,600.1%  
Dividends per share (Unadj.) Rs00.40 0.0%  
Avg Dividend yield %01.5 0.0%  
Book value per share (Unadj.) Rs1,105.929.0 3,815.2%  
Shares outstanding (eoy) m55.681,808.83 3.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.8 7.9%   
Avg P/E ratio x2.114.8 13.9%  
Avg P/CF ratio x0.33.8 8.0%  
Avg Price/Bookvalue ratio x0.10.9 7.2%  
Dividend payout %021.6 0.0%   
Avg Mkt Cap Rs m4,18249,562 8.4%   
No. of employees `0001.07.9 12.8%   
Total wages & salary Rs m12,8697,132 180.4%   
Avg. income/employee Rs Th64,852.17,793.6 832.1%   
Avg. wages/employee Rs Th12,604.2897.6 1,404.2%   
Avg. net profit/employee Rs Th1,985.2421.5 471.0%   
INCOME DATA
Interest income Rs m66,21461,928 106.9%  
Other income Rs m5,0088,373 59.8%   
Interest expense Rs m37,50242,273 88.7%   
Net interest income Rs m28,71219,655 146.1%  
Operating expense Rs m19,90213,220 150.5%   
Gross profit Rs m8,8106,435 136.9%  
Gross profit margin %13.310.4 128.0%  
Provisions/contingencies Rs m11,7929,809 120.2%   
Profit before tax Rs m1,2094,999 24.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8181,650 -49.6%   
Profit after tax Rs m2,0273,349 60.5%  
Net profit margin %3.15.4 56.6%  
BALANCE SHEET DATA
Advances Rs m569,127545,629 104.3%   
Deposits Rs m800,045720,296 111.1%  
Credit/Deposit ratio x71.175.8 93.9%  
Yield on advances %8.78.7 100.1%   
Cost of deposits %4.55.6 80.9%   
Net Interest Margin %3.42.5 134.1%  
Net fixed assets Rs m16,1496,808 237.2%   
Share capital Rs m5571,809 30.8%   
Free reserves Rs m32,33633,994 95.1%   
Net worth Rs m61,57652,432 117.4%   
Borrowings Rs m16,28340,434 40.3%   
Investments Rs m188,600183,631 102.7%   
Total assets Rs m896,844826,859 108.5%  
Debt/equity ratio x13.314.5 91.4%   
Return on assets %0.20.4 55.8%  
Return on equity %3.36.4 51.5%  
Capital adequacy ratio %11.412.7 89.9%  
Net NPAs %4.92.6 188.5%  
CASH FLOW
From Operations Rs m23,6277,929 298.0%  
From Investments Rs m-1,639-8,238 19.9%  
From Financial Activity Rs m6,6843,643 183.5%  
Net Cashflow Rs m28,6723,333 860.2%  

Share Holding

Indian Promoters % 53.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 12.0 35.8%  
FIIs % 29.3 41.7 70.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 46.3 28.7%  
Shareholders   56,111 247,922 22.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   CITY UNION BANK  CORPORATION BANK  IDBI BANK  VIJAYA BANK  ICICI BANK  

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



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