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J&K BANK vs UNITED BANK OF INDIA - 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

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Current Valuations

    J&K BANK UNITED BANK OF INDIA J&K BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x -0.8 0.7 - View Chart
P/BV x 0.1 0.0 510.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-18
UNITED BANK OF INDIA
Mar-19
J&K BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs9615 646.6%   
Low Rs559 598.9%   
Income per share (Unadj.) Rs1,189.211.5 10,319.3%  
Earnings per share (Unadj.) Rs36.4-3.1 -1,167.5%  
Cash flow per share (Unadj.) Rs167.4-10.3 -1,630.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.915.5 7,143.7%  
Shares outstanding (eoy) m55.687,427.92 0.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.11.0 6.1%   
Avg P/E ratio x2.1-3.8 -53.8%  
Avg P/CF ratio x0.32.4 12.5%  
Avg Price/Bookvalue ratio x0.10.8 8.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,18288,764 4.7%   
No. of employees `0001.014.3 7.1%   
Total wages & salary Rs m12,86919,545 65.8%   
Avg. income/employee Rs Th64,852.15,987.6 1,083.1%   
Avg. wages/employee Rs Th12,604.21,367.2 921.9%   
Avg. net profit/employee Rs Th1,985.2-1,620.0 -122.5%   
INCOME DATA
Interest income Rs m66,21485,599 77.4%  
Other income Rs m5,00823,846 21.0%   
Interest expense Rs m37,50265,853 56.9%   
Net interest income Rs m28,71219,746 145.4%  
Operating expense Rs m19,90229,476 67.5%   
Gross profit Rs m8,810-9,730 -90.5%  
Gross profit margin %13.3-11.4 -117.1%  
Provisions/contingencies Rs m11,79259,925 19.7%   
Profit before tax Rs m1,209-45,809 -2.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-818-22,650 3.6%   
Profit after tax Rs m2,027-23,159 -8.8%  
Net profit margin %3.1-27.1 -11.3%  
BALANCE SHEET DATA
Advances Rs m569,127669,551 85.0%   
Deposits Rs m800,0451,349,833 59.3%  
Credit/Deposit ratio x71.149.6 143.4%  
Yield on advances %8.77.6 115.7%   
Cost of deposits %4.54.7 96.4%   
Net Interest Margin %3.41.4 238.1%  
Net fixed assets Rs m16,14912,401 130.2%   
Share capital Rs m55774,279 0.7%   
Free reserves Rs m32,33640,710 79.4%   
Net worth Rs m61,576114,989 53.5%   
Borrowings Rs m16,28322,037 73.9%   
Investments Rs m188,600609,760 30.9%   
Total assets Rs m896,8441,515,299 59.2%  
Debt/equity ratio x13.311.9 111.1%   
Return on assets %0.2-1.5 -14.8%  
Return on equity %3.3-20.1 -16.3%  
Capital adequacy ratio %11.413.0 87.8%  
Net NPAs %4.98.7 56.5%  
CASH FLOW
From Operations Rs m23,627-150,737 -15.7%  
From Investments Rs m-1,639-732 223.8%  
From Financial Activity Rs m6,68445,761 14.6%  
Net Cashflow Rs m28,672-105,708 -27.1%  

Share Holding

Indian Promoters % 53.2 88.0 60.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 5.2 82.7%  
FIIs % 29.3 0.3 9,766.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 6.5 204.6%  
Shareholders   56,111 78,272 71.7%  
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 BARODA  HDFC BANK  BANDHAN BANK LTD  DHANLAXMI BANK  IDBI BANK  

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



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