The Jammu & Kashmir Bank Ltd.

134.00 +2.75 ▲2.1%

28 March 2024, 04:01:00 PM
Volume: 273,850

Company Profile

Sector Banking Sector Icon Banking Compare with Sector peers
Industry Bank - Private Industry Icon Bank - Private Compare with Industry peers
Website http://www.jkbank.com
Market Cap 14,755.85 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 14.62 Trailing Twelve Months Ending 2023-12
Price-Earning Ratio (PE) 9.16 Trailing Twelve Months Ending 2023-12
Industry PE 18.02 Trailing Twelve Months Ending 2023-12
Book Value / Share 95.32 Trailing Twelve Months Ending 2023-12
Price to Book Value 1.41 Calculated using Price: 134.00
Dividend Yield 0.37 Period Ending 2023-03
No. of Shares Subscribed 110.12 Cr. 1,101,182,463 Shares
FaceValue 1
About The Jammu & Kashmir Bank Ltd.
The Jammu & Kashmir Bank Ltd. was incorporated in 1938, and is listed on the NSE and the BSE. It functions as a universal bank in the Union Territories of Jammu & Kashmir and Ladakh and as a specialised bank in the rest of the country. It is also designated as RBI's agent for banking business, and carries out the banking business of the Union Territories of Jammu & Kashmir and Ladakh, besides collecting central taxes for CBDT. J&K Bank follows a two-legged business model whereby it seeks to increase lending in its home territory which results in higher margins despite modest volumes, and at the same time, seeks to capture niche lending opportunities on a pan-India basis to build volumes and improve margins. J&K Bank operates on the principle of 'socially empowering banking' and seeks to deliver innovative financial solutions for household, small and medium enterprises.

The Jammu & Kashmir Bank Ltd. Delivery

Delivered Qty
Traded Qty

The Jammu & Kashmir Bank Ltd. Performance

1 Day
+2.10%
1 Week
+0.56%
1 Month
-5.40%
3 Month
+8.06%
6 Month
+25.56%
1 Year
+190.80%
2 Year
+299.40%
5 Year
+176.29%
10 Year
-11.55%

The Jammu & Kashmir Bank Ltd. Fundamental Ratios

9 years 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03 2022-03 2023-03
Return on Equity (%) 8.6 6.61 -28.5 3.83 8.03 -20.82 7.78 7.84 15.32
Return on Assets (%) 0.66 0.53 -2.01 0.24 0.49 -1.13 0.38 0.4 0.87
Net Interest Margin 3.73 3.68 3.29 3.42 3.55 3.81 3.52 3.46 3.77
Interest Spread (%) 9.36 7.86 7.76 7.04 6.93 8.37 8.19 7.88 7.68
Yield on Advances (%) 15.84 13.63 13.42 11.63 11.58 13.12 12.13 11.38 11.37

The Jammu & Kashmir Bank Ltd. Balance Sheet

Particulars 10 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2023-12* Rs. Cr.
Shh. Funds 6,108 6,421 5,673 6,158 6,622 6,346 6,802 8,077 9,896 11,778
Minority Int.
Deposits 65,736 69,379 72,459 80,005 89,637 97,786 108,047 114,703 122,027 128,528
Borrowings 2,340 2,240 1,276 1,628 2,624 2,020 2,015 2,371 2,892 2,886
Other Liab. 1,726 2,214 2,604 1,894 2,522 2,678 3,408 5,425 11,097 5,313
Total Liab. 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 148,505
Fixed Assets 690 764 1,544 1,615 1,675 2,071 2,013 1,954 2,272 2,263
Investments 22,740 20,334 21,271 18,860 23,141 22,990 30,774 33,785 34,780 31,496
Advances 44,586 50,193 49,816 56,913 66,272 64,399 66,842 70,393 82,278 89,747
Cash & Bank 3,735 3,204 5,393 8,260 5,872 9,793 9,504 8,792 8,899 6,986
Other Assets 4,160 5,758 3,989 4,037 4,445 9,576 11,141 15,652 17,684 18,012
Total Assets 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 148,505

The Jammu & Kashmir Bank Ltd. Profit and Loss

Particulars 10 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2023-12 Rs. Cr. TTM
Interest Earned 7,061 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355 10,815
Other Income 599 509 497 501 817 509 701 753 765 777
Total Income 7,660 7,352 7,183 7,122 8,493 8,955 8,813 8,766 10,120 11,593
Operating Exp. -1,416 -1,554 -1,716 -1,990 -2,485 -2,735 -2,884 -3,599 -3,651 -3,861
Provisions -1,015 -976 -2,800 -1,261 -1,058 -2,625 -1,052 -321 -75 118
PBIT 5,229 4,822 2,666 3,871 4,950 3,595 4,877 4,847 6,395 7,850
Interest -4,409 -4,132 -4,173 -3,750 -4,291 -4,739 -4,340 -4,101 -4,609 -5,666
Tax -312 -276 -126 82 -195 -39 -102 -241 -587 -576
PAT 508 414 -1,633 203 464 -1,183 435 504 1,199 1,607
Minority Interest
Share Associate -6 -10 -18 4
Other Related Items
Consolidated Net Profit 508 414 -1,633 203 464 -1,183 428 495 1,181 1,610
Adjusted EPS 10 9 -31 4 8 -17 6 5 11 15

The Jammu & Kashmir Bank Ltd. Cash Flow

Particulars 10 years 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr.
Cash Fr. Operatn. -683 118 -219 2,457 2,363 -2,992 4,374 -14 -1,568 -407
Cash Fr. Inv. -169 -261 -136 -861 -164 -165 -115 -76 -85 -124
Cash Fr. Finan. -338 -338 -176 593 668 769 -339 -199 941 638
Net Change -1,189 -480 -531 2,189 2,867 -2,388 3,920 -289 -712 107
Cash & Cash Eqvt 4,216 3,735 3,204 5,393 8,260 5,872 9,793 9,504 8,792 8,899

The Jammu & Kashmir Bank Ltd. Shareholding Pattern

9 Qtrs 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%) 2023-12 (%)
Promoter 70.12 70.12 68.03 68.03 68.03 63.41 63.41 63.41 59.40
Public 29.88 29.88 31.97 31.97 31.97 36.59 36.59 36.59 40.60
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

The Jammu & Kashmir Bank Ltd. Announcements

Thu, 28 Mar 2024
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Loss of Share Certificates
Wed, 27 Mar 2024
Closure of Trading Window
Closure of Trading Window
Tue, 12 Mar 2024
News Item Clarification
News Item Clarification

The Jammu & Kashmir Bank Ltd. Technical Scans

Thu, 28 Mar 2024
Closing Above Previous High Closing Above Previous High
Close Within 52 Week High Zone Close Within 52 Week High Zone
Making Higher Highs for 2 Days Making Higher Highs for 2 Days
High Increase in 6 Months High Increase in 6 Months
High Increase in 1 Year High Increase in 1 Year

The Jammu & Kashmir Bank Ltd. Related Stocks

Stock Name Market Cap(Rs. Cr.) LTP Chg %
HDFC Bank Ltd. 1,100,184.60 1,447.90 +0.5%
ICICI Bank Ltd. 769,473.96 1,093.30 +0.9%
State Bank Of India 671,666.29 752.60 +2.5%
Kotak Mahindra Bank Ltd. 355,002.91 1,785.50 +0.6%
Axis Bank Ltd. 323,549.33 1,048.30 -0.5%
Punjab National Bank 136,921.98 124.35 +1.3%
Bank Of Baroda 136,627.39 264.05 +2.0%
Stock Name Statement TTM Ending Price Earning Ratio(TTM) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-12 18.64 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-12 18.13 1,093.30 +0.9%
State Bank Of India Consolidated 2023-12 10.53 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-12 20.35 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-12 24.10 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-12 17.95 124.35 +1.3%
Bank Of Baroda Consolidated 2023-12 7.23 264.05 +2.0%
Stock Name Statement TTM Ending Price To Book Value(TTM) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-12 2.52 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-12 3.21 1,093.30 +0.9%
State Bank Of India Consolidated 2023-12 1.78 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-12 2.85 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-12 2.18 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-12 1.37 124.35 +1.3%
Bank Of Baroda Consolidated 2023-12 1.15 264.05 +2.0%
Stock Name Statement Year Ending Debt Equity Ratio LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 0.89 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 0.90 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 1.57 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 0.51 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 1.59 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 0.74 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 1.03 264.05 +2.0%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 17.24 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 17.71 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 18.44 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14.19 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 8.77 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 3.32 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14.92 264.05 +2.0%
Stock Name Statement Year Ending Return On Capital Employed(%) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 17.24 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 17.71 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 18.44 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14.19 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 8.77 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 3.32 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14.92 264.05 +2.0%
Stock Name Statement Year Ending Net Sales(Rs. Cr.) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 170,754.05 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 121,066.81 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 350,844.58 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 42,151.06 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 87,448.37 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 86,845.29 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 94,138.61 264.05 +2.0%
Stock Name Statement Year Ending Profit After Tax(Rs. Cr.) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 46,148.70 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 34,463.03 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 56,558.43 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14,780.44 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 10,852.66 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 3,069.34 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14,687.88 264.05 +2.0%

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