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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 6.4 -0.3 - View Chart
P/BV x 0.5 0.1 378.7% View Chart
Dividend Yield % 3.6 0.0 -  

Financials

 J&K BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
INDIAN OVERSEAS BANK
Mar-16
J&K BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs11948 250.3%   
Low Rs9521 450.2%   
Income per share (Unadj.) Rs1,456.5130.1 1,119.3%  
Earnings per share (Unadj.) Rs104.9-18.7 -559.6%  
Cash flow per share (Unadj.) Rs251.8-32.1 -783.7%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.086.7 1,453.6%  
Shares outstanding (eoy) m48.481,807.27 2.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.3 27.9%   
Avg P/E ratio x1.0-1.8 -55.7%  
Avg P/CF ratio x0.31.9 17.7%  
Avg Price/Bookvalue ratio x0.10.4 21.5%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18561,989 8.4%   
No. of employees `0001.0NA-   
Total wages & salary Rs m8,97633,904 26.5%   
Avg. income/employee Rs Th73,553.4NM-  
Avg. wages/employee Rs Th9,349.6NM-  
Avg. net profit/employee Rs Th5,296.7N.A.-  
INCOME DATA
Interest income Rs m70,611235,173 30.0%  
Other income Rs m5,99025,283 23.7%   
Interest expense Rs m44,086181,346 24.3%   
Net interest income Rs m26,52653,827 49.3%  
Operating expense Rs m14,15950,255 28.2%   
Gross profit Rs m12,3663,572 346.2%  
Gross profit margin %17.51.5 1,153.1%  
Provisions/contingencies Rs m10,15566,136 15.4%   
Profit before tax Rs m8,202-42,179 -19.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117-8,308 -37.5%   
Profit after tax Rs m5,085-33,872 -15.0%  
Net profit margin %7.2-14.4 -50.0%  
BALANCE SHEET DATA
Advances Rs m445,8581,608,607 27.7%   
Deposits Rs m657,3622,245,142 29.3%  
Credit/Deposit ratio x67.871.6 94.7%  
Yield on advances %11.610.4 111.8%   
Cost of deposits %6.47.2 88.4%   
Net Interest Margin %3.62.1 176.0%  
Net fixed assets Rs m6,89632,705 21.1%   
Share capital Rs m48518,073 2.7%   
Free reserves Rs m39,49989,452 44.2%   
Net worth Rs m61,085156,658 39.0%   
Borrowings Rs m23,396271,833 8.6%   
Investments Rs m251,043791,896 31.7%   
Total assets Rs m760,6452,744,368 27.7%  
Debt/equity ratio x11.116.1 69.4%   
Return on assets %0.7-1.2 -54.2%  
Return on equity %8.3-21.6 -38.5%  
Capital adequacy ratio %12.69.7 130.1%  
Net NPAs %2.811.9 23.3%  
CASH FLOW
From Operations Rs m1,181-15,515 -7.6%  
From Investments Rs m-2,609-2,536 102.9%  
From Financial Activity Rs m-3,376-8,472 39.8%  
Net Cashflow Rs m-4,805-26,523 18.1%  

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 MAHARASHTRA  UNION BANK  CITY UNION BANK  KARUR VYSYA BANK  PNB  

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



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