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- 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 | 4.0 | -1.3 | - | View Chart |
| P/BV | x | 0.3 | 0.1 | 200.2% | View Chart |
| Dividend Yield | % | 0.0 | 0.0 | - |
Financials
 J&K BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-18 |
UNION BANK Mar-19 |
J&K BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 96 | 106 | 90.5% | |
| Low | Rs | 55 | 61 | 88.8% | |
| Income per share (Unadj.) | Rs | 1,189.2 | 194.6 | 611.0% | |
| Earnings per share (Unadj.) | Rs | 36.4 | -16.6 | -219.6% | |
| Cash flow per share (Unadj.) | Rs | 167.4 | -42.9 | -390.3% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 1,105.9 | 151.6 | 729.4% | |
| Shares outstanding (eoy) | m | 55.68 | 1,763.02 | 3.2% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.1 | 0.4 | 14.7% | |
| Avg P/E ratio | x | 2.1 | -5.0 | -40.9% | |
| Avg P/CF ratio | x | 0.3 | 1.7 | 17.6% | |
| Avg Price/Bookvalue ratio | x | 0.1 | 0.6 | 12.3% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 4,182 | 147,388 | 2.8% | |
| No. of employees | `000 | 1.0 | 37.3 | 2.7% | |
| Total wages & salary | Rs m | 12,869 | 32,372 | 39.8% | |
| Avg. income/employee | Rs Th | 64,852.1 | 9,208.8 | 704.2% | |
| Avg. wages/employee | Rs Th | 12,604.2 | 868.8 | 1,450.8% | |
| Avg. net profit/employee | Rs Th | 1,985.2 | -784.3 | -253.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 66,214 | 343,137 | 19.3% | |
| Other income | Rs m | 5,008 | 50,417 | 9.9% | |
| Interest expense | Rs m | 37,502 | 238,961 | 15.7% | |
| Net interest income | Rs m | 28,712 | 104,176 | 27.6% | |
| Operating expense | Rs m | 19,902 | 78,562 | 25.3% | |
| Gross profit | Rs m | 8,810 | 25,614 | 34.4% | |
| Gross profit margin | % | 13.3 | 7.5 | 178.2% | |
| Provisions/contingencies | Rs m | 11,792 | 115,157 | 10.2% | |
| Profit before tax | Rs m | 1,209 | -39,016 | -3.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -818 | -9,792 | 8.3% | |
| Profit after tax | Rs m | 2,027 | -29,224 | -6.9% | |
| Net profit margin | % | 3.1 | -8.5 | -35.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 569,127 | 2,987,801 | 19.0% | |
| Deposits | Rs m | 800,045 | 4,175,048 | 19.2% | |
| Credit/Deposit ratio | x | 71.1 | 71.6 | 99.4% | |
| Yield on advances | % | 8.7 | 8.0 | 109.5% | |
| Cost of deposits | % | 4.5 | 5.3 | 85.3% | |
| Net Interest Margin | % | 3.4 | 2.2 | 154.3% | |
| Net fixed assets | Rs m | 16,149 | 37,745 | 42.8% | |
| Share capital | Rs m | 557 | 17,630 | 3.2% | |
| Free reserves | Rs m | 32,336 | 249,686 | 13.0% | |
| Net worth | Rs m | 61,576 | 267,317 | 23.0% | |
| Borrowings | Rs m | 16,283 | 432,756 | 3.8% | |
| Investments | Rs m | 188,600 | 1,283,912 | 14.7% | |
| Total assets | Rs m | 896,844 | 4,985,805 | 18.0% | |
| Debt/equity ratio | x | 13.3 | 17.2 | 76.9% | |
| Return on assets | % | 0.2 | -0.6 | -38.6% | |
| Return on equity | % | 3.3 | -10.9 | -30.1% | |
| Capital adequacy ratio | % | 11.4 | 11.8 | 96.9% | |
| Net NPAs | % | 4.9 | 6.9 | 71.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 23,627 | -77,784 | -30.4% | |
| From Investments | Rs m | -1,639 | -2,971 | 55.2% | |
| From Financial Activity | Rs m | 6,684 | 17,582 | 38.0% | |
| Net Cashflow | Rs m | 28,672 | -63,173 | -45.4% | |
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: SOUTH IND.BANK INDUSIND BANK HDFC BANK ANDHRA BANK DHANLAXMI BANK
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Related Views on News
UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)
Aug 5, 2019 | Updated on Aug 5, 2019For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.
J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)
Aug 5, 2019 | Updated on Aug 5, 2019For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.
J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)
May 17, 2019 | Updated on May 17, 2019For 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.
UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)
May 16, 2019 | Updated on May 16, 2019For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.
UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)
Jan 22, 2019 | Updated on Jan 22, 2019For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.
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