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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 10.3 -0.9 - View Chart
P/BV x 0.4 0.2 220.5% 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 Rs92205 44.9%   
Low Rs5586 63.5%   
Income per share (Unadj.) Rs1,282.5282.0 454.8%  
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.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.5216.1 503.3%  
Shares outstanding (eoy) m52.131,168.57 4.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.5 11.1%   
Avg P/E ratio x-0.2-3.3 7.2%  
Avg P/CF ratio x0.31.9 17.3%  
Avg Price/Bookvalue ratio x0.10.7 10.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,821170,027 2.2%   
No. of employees `0000.937.6 2.5%   
Total wages & salary Rs m11,22533,322 33.7%   
Avg. income/employee Rs Th72,278.98,766.7 824.5%   
Avg. wages/employee Rs Th12,135.6886.5 1,368.9%   
Avg. net profit/employee Rs Th-17,653.9-1,386.8 1,273.0%   
INCOME DATA
Interest income Rs m66,858329,516 20.3%  
Other income Rs m4,97354,621 9.1%   
Interest expense Rs m41,730234,709 17.8%   
Net interest income Rs m25,12894,807 26.5%  
Operating expense Rs m17,16473,508 23.4%   
Gross profit Rs m7,96421,298 37.4%  
Gross profit margin %11.96.5 184.3%  
Provisions/contingencies Rs m28,003142,063 19.7%   
Profit before tax Rs m-15,067-66,062 22.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,263-13,938 -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 m498,1612,905,715 17.1%   
Deposits Rs m724,5904,102,884 17.7%  
Credit/Deposit ratio x68.870.8 97.1%  
Yield on advances %9.67.9 122.1%   
Cost of deposits %5.65.3 107.0%   
Net Interest Margin %3.32.0 161.3%  
Net fixed assets Rs m15,43738,461 40.1%   
Share capital Rs m52211,686 4.5%   
Free reserves Rs m27,885228,925 12.2%   
Net worth Rs m56,692252,518 22.5%   
Borrowings Rs m12,761456,804 2.8%   
Investments Rs m212,7091,255,107 16.9%   
Total assets Rs m820,1214,911,464 16.7%  
Debt/equity ratio x13.018.1 72.0%   
Return on assets %-2.0-1.1 187.6%  
Return on equity %-28.8-20.6 139.5%  
Capital adequacy ratio %10.811.5 93.9%  
Net NPAs %5.18.4 60.1%  
CASH FLOW
From Operations Rs m24,57160,893 40.4%  
From Investments Rs m-8,614-3,068 280.8%  
From Financial Activity Rs m5,929107,919 5.5%  
Net Cashflow Rs m21,886165,744 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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   ING VYSYA BANK  SBI  UNITED BANK OF INDIA  ICICI BANK  IDBI BANK  

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



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For the quarter ended June 2018, J&K BANK has posted a net profit of Rs 526 m (down 80.4% YoY). Sales on the other hand came in at Rs 18 bn (up 4.9% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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Sep 21, 2018 (Close)

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