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- Indian - banks - private
- J&K BANK - UNION BANK
J&K BANK vs UNION 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
UNION BANK
Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More
Current Valuations
| J&K BANK | UNION BANK | J&K BANK/ UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.9 | -1.0 | - | View Chart |
| P/BV | x | 0.5 | 0.2 | 213.3% | View Chart |
| Dividend Yield | % | 0.0 | 0.0 | - |
Financials
 J&K BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-17 |
UNION BANK Mar-18 |
J&K BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 92 | 205 | 44.9% | |
| Low | Rs | 55 | 86 | 63.5% | |
| Income per share (Unadj.) | Rs | 1,282.5 | 282.0 | 454.8% | |
| Earnings per share (Unadj.) | Rs | -313.3 | -44.6 | 702.3% | |
| Cash flow per share (Unadj.) | Rs | -496.9 | -115.2 | 431.4% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 1,087.5 | 216.1 | 503.3% | |
| Shares outstanding (eoy) | m | 52.13 | 1,168.57 | 4.5% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.1 | 0.5 | 11.1% | |
| Avg P/E ratio | x | -0.2 | -3.3 | 7.2% | |
| Avg P/CF ratio | x | 0.3 | 1.9 | 17.3% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 0.7 | 10.0% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 3,821 | 170,027 | 2.2% | |
| No. of employees | `000 | 0.9 | 37.6 | 2.5% | |
| Total wages & salary | Rs m | 11,225 | 33,322 | 33.7% | |
| Avg. income/employee | Rs Th | 72,278.9 | 8,766.7 | 824.5% | |
| Avg. wages/employee | Rs Th | 12,135.6 | 886.5 | 1,368.9% | |
| Avg. net profit/employee | Rs Th | -17,653.9 | -1,386.8 | 1,273.0% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 66,858 | 329,516 | 20.3% | |
| Other income | Rs m | 4,973 | 54,621 | 9.1% | |
| Interest expense | Rs m | 41,730 | 234,709 | 17.8% | |
| Net interest income | Rs m | 25,128 | 94,807 | 26.5% | |
| Operating expense | Rs m | 17,164 | 73,508 | 23.4% | |
| Gross profit | Rs m | 7,964 | 21,298 | 37.4% | |
| Gross profit margin | % | 11.9 | 6.5 | 184.3% | |
| Provisions/contingencies | Rs m | 28,003 | 142,063 | 19.7% | |
| Profit before tax | Rs m | -15,067 | -66,062 | 22.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,263 | -13,938 | -9.1% | |
| Profit after tax | Rs m | -16,330 | -52,125 | 31.3% | |
| Net profit margin | % | -24.4 | -15.8 | 154.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 498,161 | 2,905,715 | 17.1% | |
| Deposits | Rs m | 724,590 | 4,102,884 | 17.7% | |
| Credit/Deposit ratio | x | 68.8 | 70.8 | 97.1% | |
| Yield on advances | % | 9.6 | 7.9 | 122.1% | |
| Cost of deposits | % | 5.6 | 5.3 | 107.0% | |
| Net Interest Margin | % | 3.3 | 2.0 | 161.3% | |
| Net fixed assets | Rs m | 15,437 | 38,461 | 40.1% | |
| Share capital | Rs m | 522 | 11,686 | 4.5% | |
| Free reserves | Rs m | 27,885 | 228,925 | 12.2% | |
| Net worth | Rs m | 56,692 | 252,518 | 22.5% | |
| Borrowings | Rs m | 12,761 | 456,804 | 2.8% | |
| Investments | Rs m | 212,709 | 1,255,107 | 16.9% | |
| Total assets | Rs m | 820,121 | 4,911,464 | 16.7% | |
| Debt/equity ratio | x | 13.0 | 18.1 | 72.0% | |
| Return on assets | % | -2.0 | -1.1 | 187.6% | |
| Return on equity | % | -28.8 | -20.6 | 139.5% | |
| Capital adequacy ratio | % | 10.8 | 11.5 | 93.9% | |
| Net NPAs | % | 5.1 | 8.4 | 60.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 24,571 | 60,893 | 40.4% | |
| From Investments | Rs m | -8,614 | -3,068 | 280.8% | |
| From Financial Activity | Rs m | 5,929 | 107,919 | 5.5% | |
| Net Cashflow | Rs m | 21,886 | 165,744 | 13.2% | |
Share Holding
| Indian Promoters | % | 53.2 | 60.1 | 88.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 4.3 | 16.6 | 25.9% | |
| FIIs | % | 29.3 | 8.5 | 344.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 13.3 | 14.8 | 89.9% | |
| Shareholders | 56,111 | 235,817 | 23.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: BANK OF BARODA HDFC BANK IDFC BANK LTD DHANLAXMI BANK IDBI BANK
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Jun 22, 2018 (Close)
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