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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 -1.2 -0.7 - View Chart
P/BV x 0.2 0.1 302.5% 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 Rs96106 90.5%   
Low Rs5561 88.8%   
Income per share (Unadj.) Rs1,189.2194.6 611.0%  
Earnings per share (Unadj.) Rs36.4-16.6 -219.6%  
Cash flow per share (Unadj.) Rs167.4-42.9 -390.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.9151.6 729.4%  
Shares outstanding (eoy) m55.681,763.02 3.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.4 14.7%   
Avg P/E ratio x2.1-5.0 -40.9%  
Avg P/CF ratio x0.31.7 17.6%  
Avg Price/Bookvalue ratio x0.10.6 12.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,182147,388 2.8%   
No. of employees `0001.037.3 2.7%   
Total wages & salary Rs m12,86932,372 39.8%   
Avg. income/employee Rs Th64,852.19,208.8 704.2%   
Avg. wages/employee Rs Th12,604.2868.8 1,450.8%   
Avg. net profit/employee Rs Th1,985.2-784.3 -253.1%   
INCOME DATA
Interest income Rs m66,214343,137 19.3%  
Other income Rs m5,00850,417 9.9%   
Interest expense Rs m37,502238,961 15.7%   
Net interest income Rs m28,712104,176 27.6%  
Operating expense Rs m19,90278,562 25.3%   
Gross profit Rs m8,81025,614 34.4%  
Gross profit margin %13.37.5 178.2%  
Provisions/contingencies Rs m11,792115,157 10.2%   
Profit before tax Rs m1,209-39,016 -3.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-818-9,792 8.3%   
Profit after tax Rs m2,027-29,224 -6.9%  
Net profit margin %3.1-8.5 -35.9%  
BALANCE SHEET DATA
Advances Rs m569,1272,987,801 19.0%   
Deposits Rs m800,0454,175,048 19.2%  
Credit/Deposit ratio x71.171.6 99.4%  
Yield on advances %8.78.0 109.5%   
Cost of deposits %4.55.3 85.3%   
Net Interest Margin %3.42.2 154.3%  
Net fixed assets Rs m16,14937,745 42.8%   
Share capital Rs m55717,630 3.2%   
Free reserves Rs m32,336249,686 13.0%   
Net worth Rs m61,576267,317 23.0%   
Borrowings Rs m16,283432,756 3.8%   
Investments Rs m188,6001,283,912 14.7%   
Total assets Rs m896,8444,985,805 18.0%  
Debt/equity ratio x13.317.2 76.9%   
Return on assets %0.2-0.6 -38.6%  
Return on equity %3.3-10.9 -30.1%  
Capital adequacy ratio %11.411.8 96.9%  
Net NPAs %4.96.9 71.5%  
CASH FLOW
From Operations Rs m23,627-77,784 -30.4%  
From Investments Rs m-1,639-2,971 55.2%  
From Financial Activity Rs m6,68417,582 38.0%  
Net Cashflow Rs m28,672-63,173 -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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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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UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

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.

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

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.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

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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Jan 22, 2021 11:26 AM

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