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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 21.7 4.8 450.4% View Chart
P/BV x 1.1 0.6 171.9% View Chart
Dividend Yield % 0.9 2.7 32.4%  

Financials

 SBI   J&K BANK
EQUITY SHARE DATA
    SBI
Mar-17
J&K BANK
Mar-15
SBI/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs294119 247.5%   
Low Rs16795 175.4%   
Income per share (Unadj.) Rs289.01,456.5 19.8%  
Earnings per share (Unadj.) Rs0.3104.9 0.3%  
Cash flow per share (Unadj.) Rs34.6251.8 13.7%  
Dividends per share (Unadj.) Rs2.602.10 123.8%  
Avg Dividend yield %1.12.0 57.5%  
Book value per share (Unadj.) Rs272.41,260.0 21.6%  
Shares outstanding (eoy) m7,974.3348.48 16,448.7%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.80.1 1,086.0%   
Avg P/E ratio x761.81.0 74,708.5%  
Avg P/CF ratio x3.00.3 877.8%  
Avg Price/Bookvalue ratio x0.80.1 996.8%  
Dividend payout %859.52.0 42,926.8%   
Avg Mkt Cap Rs m1,837,6845,185 35,442.8%   
No. of employees `000209.61.0 21,829.9%   
Total wages & salary Rs m356,9128,976 3,976.5%   
Avg. income/employee Rs Th10,996.473,553.4 15.0%   
Avg. wages/employee Rs Th1,703.19,349.6 18.2%   
Avg. net profit/employee Rs Th11.55,296.7 0.2%   
INCOME DATA
Interest income Rs m2,304,47570,611 3,263.6%  
Other income Rs m681,9305,990 11,383.7%   
Interest expense Rs m1,491,14744,086 3,382.4%   
Net interest income Rs m813,32826,526 3,066.2%  
Operating expense Rs m872,90114,159 6,164.9%   
Gross profit Rs m-59,57312,366 -481.7%  
Gross profit margin %-2.617.5 -14.8%  
Provisions/contingencies Rs m612,90910,155 6,035.7%   
Profit before tax Rs m9,4488,202 115.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m3,3860-   
Prior Period Items Rs m2,9330-   
Tax Rs m13,3553,117 428.4%   
Profit after tax Rs m2,4125,085 47.4%  
Net profit margin %0.17.2 1.5%  
BALANCE SHEET DATA
Advances Rs m18,968,868445,858 4,254.5%   
Deposits Rs m25,998,107657,362 3,954.9%  
Credit/Deposit ratio x73.067.8 107.6%  
Yield on advances %8.311.6 71.4%   
Cost of deposits %5.36.4 83.5%   
Net Interest Margin %2.53.6 70.4%  
Net fixed assets Rs m509,4076,896 7,387.4%   
Share capital Rs m7,974485 1,644.4%   
Free reserves Rs m2,163,94839,499 5,478.5%   
Net worth Rs m2,171,92261,085 3,555.6%   
Borrowings Rs m3,363,65723,396 14,377.1%   
Investments Rs m10,272,809251,043 4,092.1%   
Total assets Rs m34,451,216760,645 4,529.2%  
Debt/equity ratio x13.511.1 121.3%   
Return on assets %00.7 1.0%  
Return on equity %0.18.3 1.3%  
Capital adequacy ratio %13.612.6 107.9%  
Net NPAs %3.72.8 133.9%  
CASH FLOW
From Operations Rs m774,0601,181 65,565.0%  
From Investments Rs m-28,321-2,609 1,085.4%  
From Financial Activity Rs m-41,965-3,376 1,243.1%  
Net Cashflow Rs m703,774-4,805 -14,648.2%  

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:   INDUSIND BANK  ICICI BANK  FEDERAL BANK  SYNDICATE BANK  BANK OF INDIA  

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



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