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Compare J&K Bank with Yes Bank - Equitymaster
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J&K BANK vs YES 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

YES BANK 
   Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

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Current Valuations

    J&K BANK YES BANK J&K BANK/
YES BANK
 
P/E (TTM) x 4.1 19.7 20.8% View Chart
P/BV x 0.5 3.4 15.6% View Chart
Dividend Yield % 3.2 3.7 85.7%  

Financials

 J&K BANK   YES BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
YES BANK
Mar-17
J&K BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs1191,558 7.6%   
Low Rs95827 11.5%   
Income per share (Unadj.) Rs1,456.5359.8 404.8%  
Earnings per share (Unadj.) Rs104.973.2 143.4%  
Cash flow per share (Unadj.) Rs251.8184.6 136.4%  
Dividends per share (Unadj.) Rs2.1012.00 17.5%  
Avg Dividend yield %2.01.0 195.1%  
Book value per share (Unadj.) Rs1,260.0482.8 261.0%  
Shares outstanding (eoy) m48.48456.49 10.6%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.13.3 2.2%   
Avg P/E ratio x1.016.3 6.3%  
Avg P/CF ratio x0.313.2 2.6%  
Avg Price/Bookvalue ratio x0.12.5 3.4%  
Dividend payout %2.016.4 12.2%   
Avg Mkt Cap Rs m5,185544,273 1.0%   
No. of employees `0001.020.1 4.8%   
Total wages & salary Rs m8,97618,402 48.8%   
Avg. income/employee Rs Th73,553.48,161.5 901.2%   
Avg. wages/employee Rs Th9,349.6914.4 1,022.5%   
Avg. net profit/employee Rs Th5,296.71,659.6 319.2%   
INCOME DATA
Interest income Rs m70,611164,250 43.0%  
Other income Rs m5,99042,178 14.2%   
Interest expense Rs m44,086106,265 41.5%   
Net interest income Rs m26,52657,985 45.7%  
Operating expense Rs m14,15941,686 34.0%   
Gross profit Rs m12,36616,299 75.9%  
Gross profit margin %17.59.9 176.5%  
Provisions/contingencies Rs m10,1557,938 127.9%   
Profit before tax Rs m8,20250,539 16.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,11717,140 18.2%   
Profit after tax Rs m5,08533,399 15.2%  
Net profit margin %7.220.3 35.4%  
BALANCE SHEET DATA
Advances Rs m445,8581,322,627 33.7%   
Deposits Rs m657,3621,428,574 46.0%  
Credit/Deposit ratio x67.892.6 73.3%  
Yield on advances %11.69.2 125.4%   
Cost of deposits %6.45.7 111.4%   
Net Interest Margin %3.62.9 125.7%  
Net fixed assets Rs m6,8966,868 100.4%   
Share capital Rs m4854,565 10.6%   
Free reserves Rs m39,499177,869 22.2%   
Net worth Rs m61,085220,396 27.7%   
Borrowings Rs m23,396386,067 6.1%   
Investments Rs m251,043499,818 50.2%   
Total assets Rs m760,6452,150,597 35.4%  
Debt/equity ratio x11.18.2 135.4%   
Return on assets %0.71.6 43.0%  
Return on equity %8.315.2 54.9%  
Capital adequacy ratio %12.617.0 73.9%  
Net NPAs %2.80.8 342.0%  
CASH FLOW
From Operations Rs m1,18143,841 2.7%  
From Investments Rs m-2,609-44,739 5.8%  
From Financial Activity Rs m-3,376114,292 -3.0%  
Net Cashflow Rs m-4,805113,395 -4.2%  

Share Holding

Indian Promoters % 53.2 22.1 240.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 20.7 20.8%  
FIIs % 29.3 45.1 65.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 12.2 109.0%  
Shareholders   56,111 172,309 32.6%  
Pledged promoter(s) holding % 0.0 3.6 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   KARUR VYSYA BANK  PUNJAB & SIND BANK  VIJAYA BANK  KOTAK MAH. BANK  BANK OF MAHARASHTRA  

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



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Feb 23, 2018 (Close)

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