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Compare United Bank of India with J&K Bank - Equitymaster
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UNITED BANK OF INDIA vs J&K 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

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Current Valuations

    UNITED BANK OF INDIA J&K BANK UNITED BANK OF INDIA/
J&K BANK
 
P/E (TTM) x -0.5 4.1 - View Chart
P/BV x 0.2 0.5 31.6% View Chart
Dividend Yield % 0.0 3.1 -  

Financials

 UNITED BANK OF INDIA   J&K BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
J&K BANK
Mar-15
UNITED BANK OF INDIA/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs32119 26.7%   
Low Rs1795 17.7%   
Income per share (Unadj.) Rs118.41,456.5 8.1%  
Earnings per share (Unadj.) Rs-3.4104.9 -3.2%  
Cash flow per share (Unadj.) Rs-15.5251.8 -6.1%  
Dividends per share (Unadj.) Rs02.10 0.0%  
Avg Dividend yield %02.0 0.0%  
Book value per share (Unadj.) Rs69.61,260.0 5.5%  
Shares outstanding (eoy) m839.5148.48 1,731.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.1 279.0%   
Avg P/E ratio x-7.21.0 -708.1%  
Avg P/CF ratio x0.90.3 267.0%  
Avg Price/Bookvalue ratio x0.30.1 410.7%  
Dividend payout %02.0 0.0%   
Avg Mkt Cap Rs m20,3585,185 392.6%   
No. of employees `00015.01.0 1,560.5%   
Total wages & salary Rs m10,9748,976 122.3%   
Avg. income/employee Rs Th6,632.873,553.4 9.0%   
Avg. wages/employee Rs Th732.59,349.6 7.8%   
Avg. net profit/employee Rs Th-188.25,296.7 -3.6%   
INCOME DATA
Interest income Rs m99,36770,611 140.7%  
Other income Rs m14,6755,990 245.0%   
Interest expense Rs m76,56144,086 173.7%   
Net interest income Rs m22,80626,526 86.0%  
Operating expense Rs m19,36314,159 136.8%   
Gross profit Rs m3,44312,366 27.8%  
Gross profit margin %3.517.5 19.8%  
Provisions/contingencies Rs m25,22810,155 248.4%   
Profit before tax Rs m-7,1108,202 -86.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2903,117 -137.6%   
Profit after tax Rs m-2,8205,085 -55.5%  
Net profit margin %-2.87.2 -39.4%  
BALANCE SHEET DATA
Advances Rs m680,602445,858 152.6%   
Deposits Rs m1,164,013657,362 177.1%  
Credit/Deposit ratio x58.567.8 86.2%  
Yield on advances %9.711.6 84.1%   
Cost of deposits %6.26.4 96.5%   
Net Interest Margin %1.93.6 52.1%  
Net fixed assets Rs m12,1096,896 175.6%   
Share capital Rs m8,395485 1,731.3%   
Free reserves Rs m17,69039,499 44.8%   
Net worth Rs m58,39261,085 95.6%   
Borrowings Rs m29,12523,396 124.5%   
Investments Rs m447,234251,043 178.2%   
Total assets Rs m1,294,318760,645 170.2%  
Debt/equity ratio x20.411.1 183.3%   
Return on assets %-0.20.7 -32.6%  
Return on equity %-4.88.3 -58.0%  
Capital adequacy ratio %10.512.6 83.2%  
Net NPAs %9.02.8 326.4%  
CASH FLOW
From Operations Rs m24,2761,181 2,056.2%  
From Investments Rs m-896-2,609 34.4%  
From Financial Activity Rs m-429-3,376 12.7%  
Net Cashflow Rs m22,951-4,805 -477.7%  

Share Holding

Indian Promoters % 88.0 53.2 165.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 4.3 120.9%  
FIIs % 0.3 29.3 1.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 13.3 48.9%  
Shareholders   78,272 56,111 139.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   SBI  KOTAK MAH. BANK  BANK OF MAHARASHTRA  DENA BANK  ORIENTAL BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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