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UNITED BANK OF INDIA vs J&K BANK - Comparison Results

J&K BANK 
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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 -0.4 4.1 - View Chart
P/BV x 0.1 0.3 19.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   J&K BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
J&K BANK
Mar-18
UNITED BANK OF INDIA/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs1596 15.5%   
Low Rs955 16.7%   
Income per share (Unadj.) Rs11.51,189.2 1.0%  
Earnings per share (Unadj.) Rs-3.136.4 -8.6%  
Cash flow per share (Unadj.) Rs-10.3167.4 -6.1%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.51,105.9 1.4%  
Shares outstanding (eoy) m7,427.9255.68 13,340.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.1 1,642.0%   
Avg P/E ratio x-3.82.1 -185.8%  
Avg P/CF ratio x2.40.3 797.8%  
Avg Price/Bookvalue ratio x0.80.1 1,136.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,7644,182 2,122.7%   
No. of employees `00014.31.0 1,400.2%   
Total wages & salary Rs m19,54512,869 151.9%   
Avg. income/employee Rs Th5,987.664,852.1 9.2%   
Avg. wages/employee Rs Th1,367.212,604.2 10.8%   
Avg. net profit/employee Rs Th-1,620.01,985.2 -81.6%   
INCOME DATA
Interest income Rs m85,59966,214 129.3%  
Other income Rs m23,8465,008 476.1%   
Interest expense Rs m65,85337,502 175.6%   
Net interest income Rs m19,74628,712 68.8%  
Operating expense Rs m29,47619,902 148.1%   
Gross profit Rs m-9,7308,810 -110.4%  
Gross profit margin %-11.413.3 -85.4%  
Provisions/contingencies Rs m59,92511,792 508.2%   
Profit before tax Rs m-45,8091,209 -3,788.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,650-818 2,770.3%   
Profit after tax Rs m-23,1592,027 -1,142.6%  
Net profit margin %-27.13.1 -883.8%  
BALANCE SHEET DATA
Advances Rs m669,551569,127 117.6%   
Deposits Rs m1,349,833800,045 168.7%  
Credit/Deposit ratio x49.671.1 69.7%  
Yield on advances %7.68.7 86.4%   
Cost of deposits %4.74.5 103.8%   
Net Interest Margin %1.43.4 42.0%  
Net fixed assets Rs m12,40116,149 76.8%   
Share capital Rs m74,279557 13,335.6%   
Free reserves Rs m40,71032,336 125.9%   
Net worth Rs m114,98961,576 186.7%   
Borrowings Rs m22,03716,283 135.3%   
Investments Rs m609,760188,600 323.3%   
Total assets Rs m1,515,299896,844 169.0%  
Debt/equity ratio x11.913.3 90.0%   
Return on assets %-1.50.2 -676.3%  
Return on equity %-20.13.3 -611.9%  
Capital adequacy ratio %13.011.4 113.8%  
Net NPAs %8.74.9 176.9%  
CASH FLOW
From Operations Rs m-150,73723,627 -638.0%  
From Investments Rs m-732-1,639 44.7%  
From Financial Activity Rs m45,7616,684 684.6%  
Net Cashflow Rs m-105,70828,672 -368.7%  

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:   BANK OF INDIA  DENA BANK  YES BANK  CITY UNION BANK  ING VYSYA BANK  

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



Today's Market

Sensex Ends 82 Points Higher; Metal and Realty Stocks Witness Buying(Closing)

Indian share markets ended their trading session marginally higher. On the sectoral front, gains were seen in the metal sector and realty sector.

Related Views on News

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

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.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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