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Compare SBI with J&K Bank - Equitymaster

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SBI vs J&K BANK - Comparison Results

SBI    Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... 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

    SBI J&K BANK SBI/
J&K BANK
 
P/E (TTM) x -15.2 9.7 - View Chart
P/BV x 0.9 0.4 229.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 SBI   J&K BANK
EQUITY SHARE DATA
    SBI
Mar-18
J&K BANK
Mar-17
SBI/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs33792 366.7%   
Low Rs23555 429.7%   
Income per share (Unadj.) Rs256.61,282.5 20.0%  
Earnings per share (Unadj.) Rs-5.1-313.3 1.6%  
Cash flow per share (Unadj.) Rs11.4-496.9 -2.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs258.11,087.5 23.7%  
Shares outstanding (eoy) m8,924.5952.13 17,119.9%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x1.10.1 1,950.5%   
Avg P/E ratio x-56.0-0.2 23,940.6%  
Avg P/CF ratio x3.60.3 1,111.9%  
Avg Price/Bookvalue ratio x1.10.1 1,644.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m2,552,4333,821 66,797.9%   
No. of employees `000264.00.9 28,545.0%   
Total wages & salary Rs m354,10611,225 3,154.5%   
Avg. income/employee Rs Th8,671.872,278.9 12.0%   
Avg. wages/employee Rs Th1,341.112,135.6 11.1%   
Avg. net profit/employee Rs Th-172.6-17,653.9 1.0%   
INCOME DATA
Interest income Rs m2,289,70366,858 3,424.7%  
Other income Rs m775,5724,973 15,596.6%   
Interest expense Rs m1,466,03041,730 3,513.1%   
Net interest income Rs m823,67325,128 3,277.9%  
Operating expense Rs m961,54417,164 5,602.0%   
Gross profit Rs m-137,8717,964 -1,731.3%  
Gross profit margin %-6.011.9 -50.6%  
Provisions/contingencies Rs m746,81628,003 2,666.9%   
Profit before tax Rs m-109,114-15,067 724.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-8,0700-   
Prior Period Items Rs m4,3820-   
Tax Rs m-67,2401,263 -5,323.0%   
Profit after tax Rs m-45,563-16,330 279.0%  
Net profit margin %-2.0-24.4 8.1%  
BALANCE SHEET DATA
Advances Rs m19,601,185498,161 3,934.7%   
Deposits Rs m27,221,783724,590 3,756.9%  
Credit/Deposit ratio x72.068.8 104.7%  
Yield on advances %7.49.6 77.0%   
Cost of deposits %5.05.6 88.8%   
Net Interest Margin %2.53.3 75.1%  
Net fixed assets Rs m412,25815,437 2,670.6%   
Share capital Rs m8,925522 1,711.3%   
Free reserves Rs m2,294,29527,885 8,227.7%   
Net worth Rs m2,303,22056,692 4,062.7%   
Borrowings Rs m3,690,79312,761 28,923.6%   
Investments Rs m11,837,942212,709 5,565.3%   
Total assets Rs m36,164,330820,121 4,409.6%  
Debt/equity ratio x13.413.0 103.2%   
Return on assets %-0.1-2.0 6.3%  
Return on equity %-2.0-28.8 6.9%  
Capital adequacy ratio %12.710.8 118.0%  
Net NPAs %5.75.1 113.2%  
CASH FLOW
From Operations Rs m-965,07924,571 -3,927.7%  
From Investments Rs m110,658-8,614 -1,284.7%  
From Financial Activity Rs m55,4725,929 935.7%  
Net Cashflow Rs m-779,08121,886 -3,559.7%  

Share Holding

Indian Promoters % 58.6 53.2 110.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.9 4.3 486.0%  
FIIs % 9.7 29.3 33.1%  
ADR/GDR % 2.1 0.0 -  
Free float % 8.7 13.3 65.4%  
Shareholders   855,889 56,111 1,525.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SBI With:   BANK OF MAHARASHTRA  PNB  CITY UNION BANK  DCB BANK  ANDHRA BANK  

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



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