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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 3.9 -0.4 - View Chart
P/BV x 0.4 0.2 246.5% View Chart
Dividend Yield % 4.1 0.0 -  

Financials

 J&K BANK   ORIENTAL BANK
EQUITY SHARE DATA
    J&K BANK
Mar-15
ORIENTAL BANK
Mar-17
J&K BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs119149 79.9%   
Low Rs9577 123.7%   
Income per share (Unadj.) Rs1,456.5532.2 273.7%  
Earnings per share (Unadj.) Rs104.9-31.3 -335.6%  
Cash flow per share (Unadj.) Rs251.8-106.9 -235.6%  
Dividends per share (Unadj.) Rs2.100-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs1,260.0407.9 308.9%  
Shares outstanding (eoy) m48.48346.17 14.0%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.10.2 34.6%   
Avg P/E ratio x1.0-3.6 -28.3%  
Avg P/CF ratio x0.30.8 40.2%  
Avg Price/Bookvalue ratio x0.10.3 30.7%  
Dividend payout %2.00-   
Avg Mkt Cap Rs m5,18539,048 13.3%   
No. of employees `0001.021.6 4.5%   
Total wages & salary Rs m8,97620,993 42.8%   
Avg. income/employee Rs Th73,553.48,547.9 860.5%   
Avg. wages/employee Rs Th9,349.6974.1 959.8%   
Avg. net profit/employee Rs Th5,296.7-502.0 -1,055.1%   
INCOME DATA
Interest income Rs m70,611184,223 38.3%  
Other income Rs m5,99027,655 21.7%   
Interest expense Rs m44,086135,128 32.6%   
Net interest income Rs m26,52649,095 54.0%  
Operating expense Rs m14,15935,049 40.4%   
Gross profit Rs m12,36614,046 88.0%  
Gross profit margin %17.57.6 229.7%  
Provisions/contingencies Rs m10,15556,933 17.8%   
Profit before tax Rs m8,202-15,110 -54.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,117-4,291 -72.6%   
Profit after tax Rs m5,085-10,819 -47.0%  
Net profit margin %7.2-5.9 -122.6%  
BALANCE SHEET DATA
Advances Rs m445,8581,577,060 28.3%   
Deposits Rs m657,3622,193,394 30.0%  
Credit/Deposit ratio x67.871.9 94.3%  
Yield on advances %11.68.1 142.5%   
Cost of deposits %6.45.8 109.7%   
Net Interest Margin %3.62.1 172.5%  
Net fixed assets Rs m6,89623,585 29.2%   
Share capital Rs m4853,462 14.0%   
Free reserves Rs m39,49982,733 47.7%   
Net worth Rs m61,085141,214 43.3%   
Borrowings Rs m23,396145,922 16.0%   
Investments Rs m251,043592,293 42.4%   
Total assets Rs m760,6452,530,647 30.1%  
Debt/equity ratio x11.116.6 67.3%   
Return on assets %0.7-0.4 -156.4%  
Return on equity %8.3-7.7 -108.7%  
Capital adequacy ratio %12.611.6 108.0%  
Net NPAs %2.89.0 30.9%  
CASH FLOW
From Operations Rs m1,18171,230 1.7%  
From Investments Rs m-2,609-2,135 122.2%  
From Financial Activity Rs m-3,3765,543 -60.9%  
Net Cashflow Rs m-4,80574,638 -6.4%  

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:   PUNJAB & SIND BANK  UNION BANK  AXIS BANK  KARUR VYSYA BANK  PNB  

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



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May 24, 2018 (Close)

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