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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 7.8 -0.7 - View Chart
P/BV x 0.3 0.2 145.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 J&K BANK   ORIENTAL BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
ORIENTAL BANK
Mar-18
J&K BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs92191 48.2%   
Low Rs5584 65.0%   
Income per share (Unadj.) Rs1,282.5275.0 466.4%  
Earnings per share (Unadj.) Rs-313.3-92.8 337.6%  
Cash flow per share (Unadj.) Rs-496.9-194.4 255.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs1,087.5186.3 583.8%  
Shares outstanding (eoy) m52.13632.77 8.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.10.5 11.4%   
Avg P/E ratio x-0.2-1.5 15.8%  
Avg P/CF ratio x0.32.2 14.8%  
Avg Price/Bookvalue ratio x0.10.7 9.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m3,82186,943 4.4%   
No. of employees `0000.922.0 4.2%   
Total wages & salary Rs m11,22517,566 63.9%   
Avg. income/employee Rs Th72,278.97,916.9 913.0%   
Avg. wages/employee Rs Th12,135.6799.3 1,518.3%   
Avg. net profit/employee Rs Th-17,653.9-2,671.8 660.8%   
INCOME DATA
Interest income Rs m66,858173,989 38.4%  
Other income Rs m4,97327,824 17.9%   
Interest expense Rs m41,730128,881 32.4%   
Net interest income Rs m25,12845,108 55.7%  
Operating expense Rs m17,16435,900 47.8%   
Gross profit Rs m7,9649,208 86.5%  
Gross profit margin %11.95.3 225.1%  
Provisions/contingencies Rs m28,00397,976 28.6%   
Profit before tax Rs m-15,067-60,944 24.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,263-2,227 -56.7%   
Profit after tax Rs m-16,330-58,717 27.8%  
Net profit margin %-24.4-33.7 72.4%  
BALANCE SHEET DATA
Advances Rs m498,1611,363,679 36.5%   
Deposits Rs m724,5902,073,461 34.9%  
Credit/Deposit ratio x68.865.8 104.5%  
Yield on advances %9.68.9 108.0%   
Cost of deposits %5.65.8 96.9%   
Net Interest Margin %3.32.1 160.2%  
Net fixed assets Rs m15,43725,496 60.5%   
Share capital Rs m5226,328 8.2%   
Free reserves Rs m27,885115,677 24.1%   
Net worth Rs m56,692117,868 48.1%   
Borrowings Rs m12,76196,941 13.2%   
Investments Rs m212,709699,023 30.4%   
Total assets Rs m820,1212,333,440 35.1%  
Debt/equity ratio x13.018.4 70.6%   
Return on assets %-2.0-2.5 79.1%  
Return on equity %-28.8-49.8 57.8%  
Capital adequacy ratio %10.810.5 102.9%  
Net NPAs %5.110.5 48.3%  
CASH FLOW
From Operations Rs m24,571-36,389 -67.5%  
From Investments Rs m-8,614-4,506 191.2%  
From Financial Activity Rs m5,9293,447 172.0%  
Net Cashflow Rs m21,886-37,448 -58.4%  

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:   KARNATAKA BANK  CANARA BANK  SOUTH IND.BANK  IDFC BANK LTD  UNION BANK  

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



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