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Compare J&K Bank with Union Bank - Equitymaster
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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 
   Change

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

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Current Valuations

    J&K BANK UNION BANK J&K BANK/
UNION BANK
 
P/E (TTM) x 3.5 15.2 23.2% View Chart
P/BV x 0.6 0.4 177.6% View Chart
Dividend Yield % 2.6 1.5 174.4%  

Financials

 J&K BANK   UNION BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
UNION BANK
Mar-16
J&K BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs119223 53.4%   
Low Rs95104 91.3%   
Income per share (Unadj.) Rs1,456.5470.1 309.8%  
Earnings per share (Unadj.) Rs104.919.7 531.4%  
Cash flow per share (Unadj.) Rs251.867.4 373.5%  
Dividends per share (Unadj.) Rs2.101.95 107.7%  
Avg Dividend yield %2.01.2 164.4%  
Book value per share (Unadj.) Rs1,260.0335.3 375.8%  
Shares outstanding (eoy) m48.48687.44 7.1%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.10.3 21.1%   
Avg P/E ratio x1.08.3 12.3%  
Avg P/CF ratio x0.32.1 15.8%  
Avg Price/Bookvalue ratio x0.10.5 17.4%  
Dividend payout %2.09.9 20.3%   
Avg Mkt Cap Rs m5,185112,259 4.6%   
No. of employees `0001.035.5 2.7%   
Total wages & salary Rs m8,97637,681 23.8%   
Avg. income/employee Rs Th73,553.49,109.9 807.4%   
Avg. wages/employee Rs Th9,349.61,062.2 880.2%   
Avg. net profit/employee Rs Th5,296.7382.5 1,384.7%   
INCOME DATA
Interest income Rs m70,611323,157 21.9%  
Other income Rs m5,990393,443 1.5%   
Interest expense Rs m44,086238,940 18.5%   
Net interest income Rs m26,52684,216 31.5%  
Operating expense Rs m14,15967,159 21.1%   
Gross profit Rs m12,36617,057 72.5%  
Gross profit margin %17.55.3 331.8%  
Provisions/contingencies Rs m10,15538,682 26.3%   
Profit before tax Rs m8,20217,769 46.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,1174,291 72.6%   
Profit after tax Rs m5,08513,569 37.5%  
Net profit margin %7.24.2 171.5%  
BALANCE SHEET DATA
Advances Rs m445,8582,682,496 16.6%   
Deposits Rs m657,3623,441,175 19.1%  
Credit/Deposit ratio x67.878.0 87.0%  
Yield on advances %11.68.8 131.1%   
Cost of deposits %6.46.4 99.7%   
Net Interest Margin %3.62.2 166.6%  
Net fixed assets Rs m6,89639,519 17.4%   
Share capital Rs m4856,874 7.1%   
Free reserves Rs m39,499200,761 19.7%   
Net worth Rs m61,085230,481 26.5%   
Borrowings Rs m23,396306,366 7.6%   
Investments Rs m251,043905,732 27.7%   
Total assets Rs m760,6454,073,646 18.7%  
Debt/equity ratio x11.116.3 68.5%   
Return on assets %0.70.3 200.7%  
Return on equity %8.35.9 141.4%  
Capital adequacy ratio %12.611.1 112.8%  
Net NPAs %2.85.3 52.8%  
CASH FLOW
From Operations Rs m1,18182,741 1.4%  
From Investments Rs m-2,609-8,718 29.9%  
From Financial Activity Rs m-3,376-3,886 86.9%  
Net Cashflow Rs m-4,80570,138 -6.9%  

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   BANK OF MAHARASHTRA  PNB  INDUSIND BANK  DCB BANK  VIJAYA BANK  

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



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Aug 22, 2017 03:36 PM

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