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Compare J&K Bank with Indian Overseas Bank - Equitymaster

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J&K BANK vs INDIAN OVERSEAS 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

    J&K BANK INDIAN OVERSEAS BANK J&K BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x 7.2 -0.3 - View Chart
P/BV x 0.3 0.1 211.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
INDIAN OVERSEAS BANK
Mar-18
J&K BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs9632 297.2%   
Low Rs5517 316.9%   
Income per share (Unadj.) Rs1,189.236.6 3,246.4%  
Earnings per share (Unadj.) Rs36.4-12.9 -282.6%  
Cash flow per share (Unadj.) Rs167.4-36.1 -464.1%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,105.927.1 4,074.6%  
Shares outstanding (eoy) m55.684,890.77 1.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.7 9.4%   
Avg P/E ratio x2.1-1.9 -107.6%  
Avg P/CF ratio x0.31.5 20.8%  
Avg Price/Bookvalue ratio x0.10.9 7.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,182120,802 3.5%   
No. of employees `0001.027.9 3.7%   
Total wages & salary Rs m12,86929,942 43.0%   
Avg. income/employee Rs Th64,852.16,412.9 1,011.3%   
Avg. wages/employee Rs Th12,604.21,071.8 1,176.0%   
Avg. net profit/employee Rs Th1,985.2-2,255.0 -88.0%   
INCOME DATA
Interest income Rs m66,214179,152 37.0%  
Other income Rs m5,00837,464 13.4%   
Interest expense Rs m37,502124,476 30.1%   
Net interest income Rs m28,71254,676 52.5%  
Operating expense Rs m19,90255,849 35.6%   
Gross profit Rs m8,810-1,174 -750.6%  
Gross profit margin %13.3-0.7 -2,030.9%  
Provisions/contingencies Rs m11,792145,930 8.1%   
Profit before tax Rs m1,209-86,317 -1.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-818-23,322 3.5%   
Profit after tax Rs m2,027-62,995 -3.2%  
Net profit margin %3.1-35.2 -8.7%  
BALANCE SHEET DATA
Advances Rs m569,1271,324,888 43.0%   
Deposits Rs m800,0452,168,318 36.9%  
Credit/Deposit ratio x71.161.1 116.4%  
Yield on advances %8.79.0 96.9%   
Cost of deposits %4.55.3 85.2%   
Net Interest Margin %3.42.4 142.3%  
Net fixed assets Rs m16,14928,934 55.8%   
Share capital Rs m55748,908 1.1%   
Free reserves Rs m32,33669,912 46.3%   
Net worth Rs m61,576132,740 46.4%   
Borrowings Rs m16,28392,281 17.6%   
Investments Rs m188,600686,459 27.5%   
Total assets Rs m896,8442,479,681 36.2%  
Debt/equity ratio x13.317.0 77.8%   
Return on assets %0.2-2.5 -8.9%  
Return on equity %3.3-47.5 -6.9%  
Capital adequacy ratio %11.49.3 123.5%  
Net NPAs %4.915.3 32.0%  
CASH FLOW
From Operations Rs m23,627-17,933 -131.8%  
From Investments Rs m-1,639-1,151 142.4%  
From Financial Activity Rs m6,68452,303 12.8%  
Net Cashflow Rs m28,67233,220 86.3%  

Share Holding

Indian Promoters % 53.2 73.8 72.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 15.3 28.1%  
FIIs % 29.3 1.9 1,542.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 9.1 146.2%  
Shareholders   56,111 250,609 22.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   KOTAK MAH. BANK  BANDHAN BANK LTD  CANARA BANK  HDFC BANK  IDFC BANK LTD  

Compare J&K BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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INDIAN OVERSEAS BANK Announces Quarterly Results (2QFY19); Net Profit Up 58.6% (Quarterly Result Update)

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For the quarter ended September 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 5 bn (up 58.6% YoY). Sales on the other hand came in at Rs 43 bn (down 7.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

J&K BANK Announces Quarterly Results (2QFY19); Net Profit Up 30.9% (Quarterly Result Update)

Oct 17, 2018 | Updated on Oct 17, 2018

For the quarter ended September 2018, J&K BANK has posted a net profit of Rs 938 m (up 30.9% YoY). Sales on the other hand came in at Rs 18 bn (up 10.4% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

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Dec 12, 2018 (Close)

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