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Compare J&K Bank with United Bank of India - Equitymaster

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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 12.5 -0.5 - View Chart
P/BV x 0.5 0.1 523.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    J&K BANK
Mar-17
UNITED BANK OF INDIA
Mar-18
J&K BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs9223 403.5%   
Low Rs5511 520.0%   
Income per share (Unadj.) Rs1,282.527.8 4,612.5%  
Earnings per share (Unadj.) Rs-313.3-4.8 6,461.3%  
Cash flow per share (Unadj.) Rs-496.9-14.1 3,517.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.528.9 3,766.7%  
Shares outstanding (eoy) m52.132,999.99 1.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.6 9.5%   
Avg P/E ratio x-0.2-3.4 6.8%  
Avg P/CF ratio x0.32.0 16.5%  
Avg Price/Bookvalue ratio x0.10.6 11.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,82149,950 7.6%   
No. of employees `0000.9NA-   
Total wages & salary Rs m11,22517,126 65.5%   
Avg. income/employee Rs Th72,278.9NM-  
Avg. wages/employee Rs Th12,135.6NM-  
Avg. net profit/employee Rs Th-17,653.9N.A.-  
INCOME DATA
Interest income Rs m66,85883,416 80.1%  
Other income Rs m4,97322,146 22.5%   
Interest expense Rs m41,73068,488 60.9%   
Net interest income Rs m25,12814,929 168.3%  
Operating expense Rs m17,16426,834 64.0%   
Gross profit Rs m7,964-11,905 -66.9%  
Gross profit margin %11.9-14.3 -83.5%  
Provisions/contingencies Rs m28,00339,728 70.5%   
Profit before tax Rs m-15,067-29,487 51.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,263-14,942 -8.5%   
Profit after tax Rs m-16,330-14,545 112.3%  
Net profit margin %-24.4-17.4 140.1%  
BALANCE SHEET DATA
Advances Rs m498,161624,902 79.7%   
Deposits Rs m724,5901,293,264 56.0%  
Credit/Deposit ratio x68.848.3 142.3%  
Yield on advances %9.68.1 118.6%   
Cost of deposits %5.65.1 110.4%   
Net Interest Margin %3.31.1 293.0%  
Net fixed assets Rs m15,43712,931 119.4%   
Share capital Rs m52230,000 1.7%   
Free reserves Rs m27,88522,244 125.4%   
Net worth Rs m56,69286,616 65.5%   
Borrowings Rs m12,76133,061 38.6%   
Investments Rs m212,709504,018 42.2%   
Total assets Rs m820,1211,447,487 56.7%  
Debt/equity ratio x13.015.3 84.9%   
Return on assets %-2.0-1.0 198.2%  
Return on equity %-28.8-16.8 171.5%  
Capital adequacy ratio %10.812.6 85.6%  
Net NPAs %5.116.5 30.7%  
CASH FLOW
From Operations Rs m24,57146,588 52.7%  
From Investments Rs m-8,614-2,347 367.1%  
From Financial Activity Rs m5,92927,942 21.2%  
Net Cashflow Rs m21,88672,183 30.3%  

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:   INDUSIND BANK  ICICI BANK  SBI  SYNDICATE BANK  BANK OF INDIA  

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



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