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 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
J&K BANK | UNION BANK | J&K BANK/ UNION BANK |
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---|---|---|---|---|---|
P/E (TTM) | x | -1.2 | -0.7 | - | View Chart |
P/BV | x | 0.2 | 0.1 | 302.5% | View Chart |
Dividend Yield | % | 0.0 | 0.0 | - |
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EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
J&K BANK Mar-18 |
UNION BANK Mar-19 |
J&K BANK/ UNION BANK |
5-Yr Chart Click to enlarge
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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% |
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: KARNATAKA BANK CANARA BANK AXIS BANK IDFC FIRST BANK PNB
Compare J&K BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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For 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.
For 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.
For 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.
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