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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 -0.3 3.5 - View Chart
P/BV x 0.0 0.2 17.9% 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:   AXIS BANK  DHANLAXMI BANK  HDFC BANK  ANDHRA BANK  INDUSIND BANK  

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



Today's Market

Sensex Opens Marginally Higher; Energy & Realty Stocks Lead(09:30 am)

Asian share markets are higher today as Britain and the EU made headway on a Brexit deal ahead of a leaders' summit.

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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