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Compare Indian Overseas Bank with J&K Bank - Equitymaster
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INDIAN OVERSEAS BANK 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

    INDIAN OVERSEAS BANK J&K BANK INDIAN OVERSEAS BANK/
J&K BANK
 
P/E (TTM) x -0.7 4.1 - View Chart
P/BV x 0.2 0.5 29.2% View Chart
Dividend Yield % 0.0 3.1 -  

Financials

 INDIAN OVERSEAS BANK   J&K BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
J&K BANK
Mar-15
INDIAN OVERSEAS BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs48119 39.9%   
Low Rs2195 22.2%   
Income per share (Unadj.) Rs130.11,456.5 8.9%  
Earnings per share (Unadj.) Rs-18.7104.9 -17.9%  
Cash flow per share (Unadj.) Rs-32.1251.8 -12.8%  
Dividends per share (Unadj.) Rs02.10 0.0%  
Avg Dividend yield %02.0 0.0%  
Book value per share (Unadj.) Rs86.71,260.0 6.9%  
Shares outstanding (eoy) m1,807.2748.48 3,727.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.30.1 359.0%   
Avg P/E ratio x-1.81.0 -179.5%  
Avg P/CF ratio x1.90.3 564.7%  
Avg Price/Bookvalue ratio x0.40.1 466.2%  
Dividend payout %02.0 0.0%   
Avg Mkt Cap Rs m61,9895,185 1,195.6%   
No. of employees `000NA1.0 0.0%   
Total wages & salary Rs m33,9048,976 377.7%   
Avg. income/employee Rs ThNM73,553.4-  
Avg. wages/employee Rs ThNM9,349.6-  
Avg. net profit/employee Rs ThN.A.5,296.7-  
INCOME DATA
Interest income Rs m235,17370,611 333.1%  
Other income Rs m25,2835,990 422.1%   
Interest expense Rs m181,34644,086 411.3%   
Net interest income Rs m53,82726,526 202.9%  
Operating expense Rs m50,25514,159 354.9%   
Gross profit Rs m3,57212,366 28.9%  
Gross profit margin %1.517.5 8.7%  
Provisions/contingencies Rs m66,13610,155 651.3%   
Profit before tax Rs m-42,1798,202 -514.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8,3083,117 -266.5%   
Profit after tax Rs m-33,8725,085 -666.1%  
Net profit margin %-14.47.2 -200.0%  
BALANCE SHEET DATA
Advances Rs m1,608,607445,858 360.8%   
Deposits Rs m2,245,142657,362 341.5%  
Credit/Deposit ratio x71.667.8 105.6%  
Yield on advances %10.411.6 89.5%   
Cost of deposits %7.26.4 113.2%   
Net Interest Margin %2.13.6 56.8%  
Net fixed assets Rs m32,7056,896 474.3%   
Share capital Rs m18,073485 3,727.1%   
Free reserves Rs m89,45239,499 226.5%   
Net worth Rs m156,65861,085 256.5%   
Borrowings Rs m271,83323,396 1,161.9%   
Investments Rs m791,896251,043 315.4%   
Total assets Rs m2,744,368760,645 360.8%  
Debt/equity ratio x16.111.1 144.2%   
Return on assets %-1.20.7 -184.6%  
Return on equity %-21.68.3 -259.7%  
Capital adequacy ratio %9.712.6 76.8%  
Net NPAs %11.92.8 429.2%  
CASH FLOW
From Operations Rs m-15,5151,181 -1,314.2%  
From Investments Rs m-2,536-2,609 97.2%  
From Financial Activity Rs m-8,472-3,376 251.0%  
Net Cashflow Rs m-26,523-4,805 552.0%  

Share Holding

Indian Promoters % 73.8 53.2 138.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 4.3 355.8%  
FIIs % 1.9 29.3 6.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 13.3 68.4%  
Shareholders   250,609 56,111 446.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   SBI  ORIENTAL BANK  PUNJAB & SIND BANK  DENA BANK  KOTAK MAH. BANK  

Compare INDIAN OVERSEAS BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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