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The Jammu & Kashmir Bank Ltd.

Bank - Private

Rating :
N/A

BSE: 532209 | NSE: J%26KBANK

NSE BSE
99.22
30-Jan-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  94.50
  •  105.60
  •  94.40
  •  94.84
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  10057856
  •  10080.43
  •  152.50
  •  86.61

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 10,929.24
  • 5.12
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 6,564.16
  • 2.17%
  • 0.87

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.40%
  • 2.35%
  • 21.48%
  • FII
  • DII
  • Others
  • 7.07%
  • 6.40%
  • 3.30%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 21.50
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 13.28
  • -
  • 51.95

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.67
  • 0.84

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.55
  • 5.60
  • 6.06

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.63
  • 0.67
  • 0.84

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.05
  • 1.86
  • 3.04

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Interest Earned
3,209.67
2,881.20
11.40%
3,123.66
2,764.44
12.99%
2,994.36
2,657.21
12.69%
2,910.35
2,512.30
15.84%
Interest Exp.
1,697.20
1,600.29
6.06%
1,687.42
1,430.17
17.99%
1,624.97
1,373.61
18.30%
1,603.86
1,262.40
27.05%
Net Interest Income
1,512.47
1,280.91
18.08%
1,436.24
1,334.27
7.64%
1,369.39
1,283.60
6.68%
1,306.49
1,249.90
4.53%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
242.04
185.77
30.29%
300.65
192.90
55.86%
198.42
230.31
-13.85%
228.69
168.38
35.82%
Total Income
3,451.71
3,066.97
12.54%
3,424.31
2,957.34
15.79%
3,192.78
2,887.52
10.57%
3,139.04
2,680.68
17.10%
Operating Exp.
1,005.85
915.25
9.90%
947.54
991.92
-4.47%
971.56
985.57
-1.42%
869.82
968.11
-10.15%
Operating Profit
748.66
551.43
35.77%
789.35
535.25
47.47%
596.25
528.34
12.85%
665.36
450.17
47.80%
Provision
-9.80
-9.43
-
32.52
-9.95
-
-17.47
76.74
-
-165.05
-175.20
-
PBT
758.46
560.86
35.23%
756.83
545.20
38.82%
613.72
451.60
35.90%
830.41
625.37
32.79%
PBTM
23.63
19.47
21.37%
24.23
19.72
22.87%
20.50
17.00
20.59%
28.53
24.89
14.62%
TAX
226.54
139.07
62.90%
204.16
163.56
24.82%
196.99
124.93
57.68%
190.61
148.64
28.24%
PAT
531.92
421.79
26.11%
552.67
381.64
44.81%
416.73
326.67
27.57%
639.80
476.73
34.21%
PATM
16.57%
14.64%
17.69%
13.81%
13.92%
12.29%
21.98%
18.98%
EPS
4.83
3.83
26.11%
5.02
3.47
44.67%
3.78
2.97
27.27%
5.81
4.33
34.18%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
5,624.59
5,205.27
4,745.79
3,911.64
3,771.21
3,707.05
3,384.43
2,871.21
2,512.79
2,711.37
2,652.54
Interest Earned
12,238.04
11,213.20
9,355.23
8,012.98
8,111.09
8,446.29
7,675.56
6,621.40
6,685.80
6,843.57
7,061.13
Interest Expended
6,613.45
6,007.93
4,609.44
4,101.34
4,339.88
4,739.24
4,291.13
3,750.19
4,173.01
4,132.20
4,408.59
Int. income Growth
9.24%
9.68%
21.32%
3.72%
1.73%
9.53%
17.87%
14.26%
-7.32%
2.22%
 
Other Income
969.80
837.67
765.24
753.48
701.49
508.60
817.48
500.84
497.27
508.71
599.04
Total Income
13,207.84
6,042.94
5,511.03
4,665.12
4,472.70
4,215.65
4,201.91
3,372.05
3,010.06
3,220.08
3,251.58
Total Expenditure
3,794.77
3,446.95
3,592.52
3,795.21
3,801.68
5,234.00
3,438.94
3,154.44
4,431.45
2,466.31
2,336.41
Employee Cost
-
2,578.98
2,708.56
2,675.08
2,062.43
1,890.64
1,650.11
1,290.62
1,126.35
1,025.19
897.56
% Of Sales
-
23.00%
28.95%
33.38%
25.43%
22.38%
21.50%
19.49%
16.85%
14.98%
12.71%
Opt. & Establishment Exp.
-
1,391.50
1,074.77
1,047.90
956.02
969.60
939.20
796.26
675.36
593.45
613.34
% Of Sales
-
12.41%
11.49%
13.08%
11.79%
11.48%
12.24%
12.03%
10.10%
8.67%
8.69%
Provisions
-
-107.69
74.13
320.89
1,051.79
2,625.10
1,058.17
1,260.92
2,800.30
976.23
1,015.47
% Of Sales
-
-0.96%
0.79%
4.00%
12.97%
31.08%
13.79%
19.04%
41.88%
14.26%
14.38%
EBITDA
2,799.62
2,595.99
1,918.51
869.91
671.02
-1,018.35
762.97
217.61
-1,421.39
753.77
915.17
EBITDA Margin
68.99%
49.87%
40.43%
22.24%
17.79%
-27.47%
22.54%
7.58%
-56.57%
27.80%
34.50%
Depreciation
0.00
207.92
132.47
124.33
134.28
125.67
104.27
96.68
85.28
64.28
94.98
PBT
2,959.42
2,388.08
1,786.04
745.58
536.75
-1,144.03
658.70
120.93
-1,506.67
689.49
820.19
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
818.30
618.17
587.45
241.14
101.95
39.36
194.85
-81.76
126.32
275.65
311.71
Tax Rate
27.65%
25.89%
32.89%
32.34%
18.99%
-3.44%
29.58%
-67.61%
-8.38%
39.98%
38.00%
PAT
2,141.12
1,769.91
1,198.59
504.44
434.80
-1,183.39
463.85
202.69
-1,632.99
413.84
508.48
PAT before Minority Interest
2,141.12
1,769.91
1,198.59
504.44
434.80
-1,183.39
463.85
202.69
-1,632.99
413.84
508.48
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
32.47%
29.29%
21.75%
10.81%
9.72%
-28.07%
11.04%
6.01%
-54.25%
12.85%
15.64%
PAT Growth
33.25%
47.67%
137.61%
16.02%
0
-355.12%
128.85%
0
-494.59%
-18.61%
 
EPS
19.44
16.07
10.88
4.58
3.95
-10.75
4.21
1.84
-14.83
3.76
4.62

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
12,192.73
9,896.33
8,077.12
6,802.27
6,345.85
6,621.76
6,157.59
5,672.89
6,420.86
6,108.45
Share Capital
110.13
103.16
93.30
71.36
71.36
55.70
55.70
52.15
48.49
48.49
Total Reserves
12,082.59
9,793.16
7,890.31
6,730.91
6,274.49
6,566.05
6,101.89
5,620.74
6,372.36
6,059.95
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
1,34,763.24
1,22,027.18
1,14,702.77
1,08,047.30
97,785.83
89,636.83
80,004.53
72,458.97
69,378.81
65,736.16
Borrowings
2,885.00
2,892.31
2,370.82
2,015.20
2,019.58
2,623.96
1,628.34
1,276.05
2,240.00
2,339.67
Other Liabilities & Provisions
4,663.62
11,096.78
5,425.33
3,408.11
2,677.89
2,522.28
1,893.98
2,604.22
2,213.87
1,725.51
Total Liabilities
1,54,504.59
1,45,912.60
1,30,576.04
1,20,272.88
1,08,829.15
1,01,404.83
89,684.44
82,012.13
80,253.54
75,909.79
Net Block
2,208.25
2,224.43
1,907.51
1,971.42
2,036.32
1,646.36
1,598.33
1,479.35
705.66
655.40
Gross Block
3,976.16
3,775.81
3,302.41
3,226.74
3,159.14
2,646.19
2,497.28
2,285.62
1,430.01
1,318.61
Accumulated Depreciation
1,767.91
1,551.38
1,394.90
1,255.33
1,122.82
999.83
898.95
806.27
724.35
663.20
Total Non-Current Assets
1,39,111.05
1,28,228.62
1,14,924.16
1,09,132.37
99,253.28
96,959.64
85,647.69
78,023.49
74,495.38
71,750.11
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
49.50
47.32
46.43
41.42
34.82
28.96
16.55
64.34
58.60
34.16
Cash and balance with RBI
7,250.08
7,794.06
7,750.20
3,685.33
2,947.48
4,874.97
4,328.36
3,590.97
3,126.74
2,373.05
Balance with banks and money at call
946.40
1,104.80
1,041.70
5,818.37
6,845.12
997.34
3,931.68
1,801.83
77.47
1,362.09
Investments
34,900.22
34,780.40
33,785.25
30,774.10
22,990.47
23,140.50
18,860.03
21,270.89
20,333.62
22,739.59
Advances
93,756.60
82,277.61
70,393.07
66,841.73
64,399.07
66,271.51
56,912.74
49,816.11
50,193.29
44,585.82
Other Assets
15,393.53
17,683.97
15,651.86
11,140.50
9,575.87
4,445.19
4,036.74
3,988.64
5,758.16
4,159.67
Total Assets
1,54,504.58
1,45,912.59
1,30,576.02
1,20,272.87
1,08,829.15
1,01,404.83
89,684.43
82,012.13
80,253.54
75,909.78
Contingent Liabilities
4,844.87
5,233.77
5,524.94
4,866.94
5,756.78
6,392.54
5,795.12
6,108.99
16,864.11
21,697.24
Bills for collection
1,513.27
1,705.41
1,538.06
1,439.60
1,160.77
1,443.66
1,193.53
1,190.86
1,208.82
1,173.09
Adjusted Book Value
99.20
83.52
75.40
81.71
74.99
108.03
99.44
96.64
132.45
126.00

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-852.55
-407.13
-1,568.05
-14.17
4,373.94
-2,991.71
2,362.68
2,457.10
-218.95
118.06
PBT
2,389.40
1,767.96
737.13
531.94
-1,144.03
658.69
120.93
-1,506.68
689.49
820.13
Adjustment
440.79
440.97
626.99
1,369.48
2,989.73
1,393.83
1,467.16
2,937.27
1,091.38
1,164.51
Adjustments for Liabilities & Assets
-3,216.36
-2,160.97
-2,688.64
-1,827.85
2,661.02
-5,008.48
955.79
1,098.57
-1,605.78
-1,525.80
Refund/(Payment) of direct taxes
-466.38
-455.09
-243.53
-87.73
-132.78
-35.76
-181.20
-72.07
-394.04
-340.78
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-257.26
-123.51
-85.18
-75.98
-114.69
-164.64
-163.87
-861.35
-135.84
-260.93
Net Fixed Assets
-202.40
-474.23
-80.64
-74.17
-518.61
-160.87
-163.82
-861.32
-135.66
-249.61
Other Investment Activity
-4146.66
-3905.93
-3422.50
-3380.57
-3356.35
-2836.97
-3373.58
-2484.25
-1748.02
-1519.94
Cash from Financing Activity
407.43
637.59
941.43
-198.75
-338.95
768.61
668.43
592.85
-176.15
-337.58
Closing Cash & Equivalent
8,196.48
8,898.86
8,791.91
9,503.70
9,792.60
5,872.31
8,260.04
5,392.80
3,204.20
3,735.15
Net Cash Inflow / Outflow
-702.38
106.95
-711.80
-288.90
3,920.29
-2,387.74
2,867.24
2,188.60
-530.94
-480.45
Opening Cash & Equivalents
8,898.86
8,791.91
9,503.70
9,792.60
5,872.31
8,260.04
5,392.80
3,204.20
3,735.15
4,215.60

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
99.20
83.52
75.40
81.71
74.99
108.03
99.44
96.64
132.45
126.00
NIM
3.80
3.77
3.46
3.52
3.81
3.55
3.42
3.29
3.68
3.73
Yield on Advances
11.96
11.37
11.38
12.13
13.12
11.58
11.63
13.42
13.63
15.84
Yield on Investments
6.66
6.10
5.33
6.44
7.35
7.55
7.79
9.02
8.82
8.15
Cost of Liabilities
4.36
3.69
3.50
3.94
4.75
4.65
4.59
5.66
5.77
6.48
Interest Spread
7.60
7.68
7.88
8.19
8.37
6.93
7.04
7.76
7.86
9.36
ROCE
19.45%
17.59%
9.82%
8.58%
-10.24%
10.94%
3.52%
-18.09%
9.78%
12.87%
Cost Income Ratio
62.26
66.25
77.14
64.48
64.87
59.14
59.02
57.02
48.27
43.55
Core Cost Income Ratio
63.35
66.72
78.62
67.90
65.79
62.29
59.87
59.74
50.58
45.16
Operating Costs to Assets
2.44
2.50
2.76
2.40
2.51
2.45
2.22
2.09
1.94
1.87
Loans/Deposits
0.02
0.02
0.02
0.02
0.02
0.03
0.02
0.02
0.03
0.04
Cash/Deposits
0.05
0.06
0.07
0.03
0.03
0.05
0.05
0.05
0.05
0.04
Investment/Deposits
0.26
0.28
0.29
0.28
0.24
0.26
0.24
0.29
0.29
0.35
Inc Loan/Deposits
2.14%
2.37%
2.07%
1.87%
2.07%
2.93%
2.04%
1.76%
3.23%
3.56%
Credit Deposits
69.57%
67.43%
61.37%
61.86%
65.86%
73.93%
71.14%
68.75%
72.35%
67.83%
Interest Expended / Interest earned
53.58%
49.27%
51.18%
53.51%
56.11%
55.91%
56.64%
62.42%
60.38%
62.43%
Interest income / Total funds
7.26%
6.41%
6.14%
6.74%
7.76%
7.57%
7.38%
8.15%
8.53%
9.30%
Interest Expended / Total funds
3.89%
3.16%
3.14%
3.61%
4.35%
4.23%
4.18%
5.09%
5.15%
5.81%
CASA
50.51%
54.10%
56.56%
56.84%
53.65%
50.70%
50.89%
51.70%
44.13%
41.80%

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • RBI imposes Rs 3.31 crore penalty on Jammu and Kashmir Bank
    27th Jan 2025, 16:00 PM

    The action is based on deficiencies in statutory

    Read More
  • Jammu and Kashmir Bank reports 10% growth in total deposits in Q3FY25
    6th Jan 2025, 17:21 PM

    Its gross advances stood at Rs 99,134.05 crore (provisional) as of Q3FY25

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  • J&K Bank - Quarterly Results
    25th Oct 2024, 14:42 PM

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