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Compare J&K Bank with Oriental Bank - Equitymaster
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J&K BANK vs ORIENTAL 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

ORIENTAL BANK 
   Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    J&K BANK ORIENTAL BANK J&K BANK/
ORIENTAL BANK
 
P/E (TTM) x 4.3 -1.4 - View Chart
P/BV x 0.6 0.2 260.8% View Chart
Dividend Yield % 3.0 0.7 455.0%  

Financials

 J&K BANK   ORIENTAL BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ORIENTAL BANK
Mar-16
J&K BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs119235 50.6%   
Low Rs9575 126.2%   
Income per share (Unadj.) Rs1,456.5624.1 233.4%  
Earnings per share (Unadj.) Rs104.96.2 1,698.4%  
Cash flow per share (Unadj.) Rs251.814.6 1,718.9%  
Dividends per share (Unadj.) Rs2.100.70 300.0%  
Avg Dividend yield %2.00.5 435.5%  
Book value per share (Unadj.) Rs1,260.0464.9 271.0%  
Shares outstanding (eoy) m48.48321.40 15.1%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.10.2 29.5%   
Avg P/E ratio x1.025.1 4.1%  
Avg P/CF ratio x0.31.4 24.2%  
Avg Price/Bookvalue ratio x0.10.3 25.4%  
Dividend payout %2.011.3 17.7%   
Avg Mkt Cap Rs m5,18549,897 10.4%   
No. of employees `0001.0NA-   
Total wages & salary Rs m8,97620,317 44.2%   
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 m70,611200,587 35.2%  
Other income Rs m5,99017,663 33.9%   
Interest expense Rs m44,086146,841 30.0%   
Net interest income Rs m26,52653,746 49.4%  
Operating expense Rs m14,15934,588 40.9%   
Gross profit Rs m12,36619,158 64.5%  
Gross profit margin %17.59.6 183.4%  
Provisions/contingencies Rs m10,15533,562 30.3%   
Profit before tax Rs m8,2023,682 222.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1171,698 183.6%   
Profit after tax Rs m5,0851,985 256.2%  
Net profit margin %7.21.0 727.8%  
BALANCE SHEET DATA
Advances Rs m445,8581,488,800 29.9%   
Deposits Rs m657,3622,089,148 31.5%  
Credit/Deposit ratio x67.871.3 95.2%  
Yield on advances %11.69.9 116.5%   
Cost of deposits %6.46.7 95.1%   
Net Interest Margin %3.62.4 150.9%  
Net fixed assets Rs m6,89622,719 30.4%   
Share capital Rs m4853,214 15.1%   
Free reserves Rs m39,49990,590 43.6%   
Net worth Rs m61,085149,411 40.9%   
Borrowings Rs m23,39678,974 29.6%   
Investments Rs m251,043656,578 38.2%   
Total assets Rs m760,6452,375,415 32.0%  
Debt/equity ratio x11.114.5 76.8%   
Return on assets %0.70.1 800.0%  
Return on equity %8.31.3 626.6%  
Capital adequacy ratio %12.611.8 106.9%  
Net NPAs %2.86.7 41.3%  
CASH FLOW
From Operations Rs m1,181-14,158 -8.3%  
From Investments Rs m-2,609-2,105 123.9%  
From Financial Activity Rs m-3,3768,130 -41.5%  
Net Cashflow Rs m-4,805-8,134 59.1%  

Share Holding

Indian Promoters % 53.2 59.1 90.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 24.0 17.9%  
FIIs % 29.3 9.9 296.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 7.0 190.0%  
Shareholders   56,111 114,330 49.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   HDFC BANK  SBI  KARNATAKA BANK  BANK OF INDIA  FEDERAL BANK  

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



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