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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 6.4 5.8 110.0% View Chart
P/BV x 0.5 0.9 51.0% View Chart
Dividend Yield % 3.6 2.5 145.0%  

Financials

 J&K BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
SOUTH IND.BANK
Mar-15
J&K BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs11935 338.7%   
Low Rs9522 435.8%   
Income per share (Unadj.) Rs1,456.539.2 3,720.0%  
Earnings per share (Unadj.) Rs104.92.3 4,609.7%  
Cash flow per share (Unadj.) Rs251.87.7 3,283.9%  
Dividends per share (Unadj.) Rs2.100.60 350.0%  
Avg Dividend yield %2.02.1 93.1%  
Book value per share (Unadj.) Rs1,260.026.6 4,736.3%  
Shares outstanding (eoy) m48.481,350.15 3.6%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.10.7 10.1%   
Avg P/E ratio x1.012.5 8.2%  
Avg P/CF ratio x0.35.3 6.4%  
Avg Price/Bookvalue ratio x0.11.1 7.9%  
Dividend payout %2.026.4 7.6%   
Avg Mkt Cap Rs m5,18538,412 13.5%   
No. of employees `0001.07.8 12.3%   
Total wages & salary Rs m8,9766,337 141.6%   
Avg. income/employee Rs Th73,553.46,755.6 1,088.8%   
Avg. wages/employee Rs Th9,349.6809.8 1,154.5%   
Avg. net profit/employee Rs Th5,296.7392.6 1,349.2%   
INCOME DATA
Interest income Rs m70,61152,862 133.6%  
Other income Rs m5,9904,971 120.5%   
Interest expense Rs m44,08639,200 112.5%   
Net interest income Rs m26,52613,662 194.2%  
Operating expense Rs m14,1599,813 144.3%   
Gross profit Rs m12,3663,849 321.3%  
Gross profit margin %17.57.3 240.5%  
Provisions/contingencies Rs m10,1554,141 245.3%   
Profit before tax Rs m8,2024,680 175.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,608 193.9%   
Profit after tax Rs m5,0853,072 165.5%  
Net profit margin %7.25.8 123.9%  
BALANCE SHEET DATA
Advances Rs m445,858373,916 119.2%   
Deposits Rs m657,362519,125 126.6%  
Credit/Deposit ratio x67.872.0 94.2%  
Yield on advances %11.611.1 104.2%   
Cost of deposits %6.47.1 90.7%   
Net Interest Margin %3.62.4 152.6%  
Net fixed assets Rs m6,8964,791 143.9%   
Share capital Rs m4851,350 35.9%   
Free reserves Rs m39,49923,794 166.0%   
Net worth Rs m61,08535,918 170.1%   
Borrowings Rs m23,39622,325 104.8%   
Investments Rs m251,043167,172 150.2%   
Total assets Rs m760,645591,163 128.7%  
Debt/equity ratio x11.115.1 73.9%   
Return on assets %0.70.5 128.6%  
Return on equity %8.38.6 97.3%  
Capital adequacy ratio %12.612.1 104.2%  
Net NPAs %2.81.0 288.5%  
CASH FLOW
From Operations Rs m1,1816,870 17.2%  
From Investments Rs m-2,609-1,726 151.2%  
From Financial Activity Rs m-3,376-1,372 246.0%  
Net Cashflow Rs m-4,8053,772 -127.4%  

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:   ANDHRA BANK  SYNDICATE BANK  BANK OF INDIA  CANARA BANK  AXIS BANK  

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



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