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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 10.2 -0.3 - View Chart
P/BV x 0.4 0.1 306.7% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
INDIAN OVERSEAS BANK
Mar-18
J&K BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs9232 285.7%   
Low Rs5517 317.4%   
Income per share (Unadj.) Rs1,282.536.6 3,501.2%  
Earnings per share (Unadj.) Rs-313.3-12.9 2,432.0%  
Cash flow per share (Unadj.) Rs-496.9-36.1 1,377.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.527.1 4,006.9%  
Shares outstanding (eoy) m52.134,890.77 1.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.7 8.5%   
Avg P/E ratio x-0.2-1.9 12.2%  
Avg P/CF ratio x0.31.5 22.5%  
Avg Price/Bookvalue ratio x0.10.9 7.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,821120,802 3.2%   
No. of employees `0000.927.9 3.3%   
Total wages & salary Rs m11,22529,942 37.5%   
Avg. income/employee Rs Th72,278.96,412.9 1,127.1%   
Avg. wages/employee Rs Th12,135.61,071.8 1,132.3%   
Avg. net profit/employee Rs Th-17,653.9-2,255.0 782.9%   
INCOME DATA
Interest income Rs m66,858179,152 37.3%  
Other income Rs m4,97337,464 13.3%   
Interest expense Rs m41,730124,476 33.5%   
Net interest income Rs m25,12854,676 46.0%  
Operating expense Rs m17,16455,849 30.7%   
Gross profit Rs m7,964-1,174 -678.5%  
Gross profit margin %11.9-0.7 -1,818.1%  
Provisions/contingencies Rs m28,003145,930 19.2%   
Profit before tax Rs m-15,067-86,317 17.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,263-23,322 -5.4%   
Profit after tax Rs m-16,330-62,995 25.9%  
Net profit margin %-24.4-35.2 69.5%  
BALANCE SHEET DATA
Advances Rs m498,1611,324,888 37.6%   
Deposits Rs m724,5902,168,318 33.4%  
Credit/Deposit ratio x68.861.1 112.5%  
Yield on advances %9.69.0 106.4%   
Cost of deposits %5.65.3 106.2%   
Net Interest Margin %3.32.4 136.8%  
Net fixed assets Rs m15,43728,934 53.4%   
Share capital Rs m52248,908 1.1%   
Free reserves Rs m27,88569,912 39.9%   
Net worth Rs m56,692132,740 42.7%   
Borrowings Rs m12,76192,281 13.8%   
Investments Rs m212,709686,459 31.0%   
Total assets Rs m820,1212,479,681 33.1%  
Debt/equity ratio x13.017.0 76.4%   
Return on assets %-2.0-2.5 78.4%  
Return on equity %-28.8-47.5 60.7%  
Capital adequacy ratio %10.89.3 116.8%  
Net NPAs %5.115.3 33.0%  
CASH FLOW
From Operations Rs m24,571-17,933 -137.0%  
From Investments Rs m-8,614-1,151 748.6%  
From Financial Activity Rs m5,92952,303 11.3%  
Net Cashflow Rs m21,88633,220 65.9%  

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:   BANK OF BARODA  HDFC BANK  BANDHAN BANK LTD  CORPORATION BANK  IDBI BANK  

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



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