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PNB vs J&K BANK - Comparison Results

PNB     Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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

    PNB J&K BANK PNB/
J&K BANK
 
P/E (TTM) x -23.8 -1.0 - View Chart
P/BV x 0.1 0.2 72.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB   J&K BANK
EQUITY SHARE DATA
    PNB
Mar-19
J&K BANK
Mar-18
PNB/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs10596 109.9%   
Low Rs6055 109.7%   
Income per share (Unadj.) Rs113.31,189.2 9.5%  
Earnings per share (Unadj.) Rs-21.836.4 -59.8%  
Cash flow per share (Unadj.) Rs-53.9167.4 -32.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs98.91,105.9 8.9%  
Shares outstanding (eoy) m4,604.0555.68 8,268.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.70.1 1,153.4%   
Avg P/E ratio x-3.82.1 -183.6%  
Avg P/CF ratio x3.40.3 1,129.6%  
Avg Price/Bookvalue ratio x0.80.1 1,228.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m379,8344,182 9,083.5%   
No. of employees `00070.81.0 6,935.4%   
Total wages & salary Rs m70,47512,869 547.6%   
Avg. income/employee Rs Th7,364.464,852.1 11.4%   
Avg. wages/employee Rs Th995.312,604.2 7.9%   
Avg. net profit/employee Rs Th-1,416.01,985.2 -71.3%   
INCOME DATA
Interest income Rs m521,47166,214 787.6%  
Other income Rs m73,6745,008 1,471.0%   
Interest expense Rs m346,55737,502 924.1%   
Net interest income Rs m174,91528,712 609.2%  
Operating expense Rs m116,89319,902 587.3%   
Gross profit Rs m58,0228,810 658.6%  
Gross profit margin %11.113.3 83.6%  
Provisions/contingencies Rs m211,38111,792 1,792.6%   
Profit before tax Rs m-149,0851,209 -12,328.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4,5630-   
Prior Period Items Rs m00-   
Tax Rs m-53,384-818 6,529.3%   
Profit after tax Rs m-100,2642,027 -4,946.7%  
Net profit margin %-19.23.1 -628.1%  
BALANCE SHEET DATA
Advances Rs m4,624,162569,127 812.5%   
Deposits Rs m6,818,742800,045 852.3%  
Credit/Deposit ratio x67.871.1 95.3%  
Yield on advances %7.78.7 87.6%   
Cost of deposits %4.74.5 105.0%   
Net Interest Margin %2.33.4 68.3%  
Net fixed assets Rs m62,47616,149 386.9%   
Share capital Rs m9,208557 1,653.2%   
Free reserves Rs m445,97332,336 1,379.2%   
Net worth Rs m455,18161,576 739.2%   
Borrowings Rs m468,28016,283 2,875.8%   
Investments Rs m2,097,230188,600 1,112.0%   
Total assets Rs m7,892,658896,844 880.0%  
Debt/equity ratio x16.013.3 120.8%   
Return on assets %-1.30.2 -562.1%  
Return on equity %-22.03.3 -669.2%  
Capital adequacy ratio %9.711.4 85.2%  
Net NPAs %6.64.9 133.9%  
CASH FLOW
From Operations Rs m-341,58023,627 -1,445.7%  
From Investments Rs m2,248-1,639 -137.2%  
From Financial Activity Rs m137,4106,684 2,055.7%  
Net Cashflow Rs m-201,92228,672 -704.2%  

Share Holding

Indian Promoters % 58.9 53.2 110.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 4.3 434.9%  
FIIs % 17.2 29.3 58.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 13.3 39.8%  
Shareholders   215,441 56,111 384.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   ING VYSYA BANK  SBI  IDFC FIRST BANK  ICICI BANK  IDBI BANK  

Compare PNB With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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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.

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