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Website | http://www.jkbank.com | |
Market Cap | 2,783.48 Cr. | |
Enterprise Value(EV) | Cr. | - |
Financial Indicators | ||
---|---|---|
Earnings per share (EPS) | 5.15 | Trailing Twelve Months Ending 2022-03 |
Price-Earning Ratio (PE) | 5.62 | Trailing Twelve Months Ending 2022-03 |
Industry PE | 21.23 | Trailing Twelve Months Ending 2022-03 |
Book Value / Share | 84.01 | Trailing Twelve Months Ending 2022-03 |
Price to Book Value | 0.34 | Calculated using Price: 28.95 |
Dividend Yield | 0.00 | Period Ending 2021-03 |
No. of Shares Subscribed | 96.15 Cr. | 961,479,861 Shares |
FaceValue | 1 | |
Company Profile | ||
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. Business of the Bank The Jammu & Kashmir Bank is engaged in banking Business. The Bank provides banking services, including CD's, educational loans, housing loans and car loans. The Bank also provides insurance services through a joint venture with MetLife India Insurance Company. Products and Services of the bank
Milestones & Achievements
|
1 Day |
|
+0.70% |
1 Week |
|
|
1 Month |
|
-7.21% |
3 Month |
|
-14.60% |
6 Month |
|
-23.82% |
1 Year |
|
-0.34% |
2 Year |
|
+136.33% |
5 Year |
|
-65.60% |
10 Year |
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-68.53% |
9 years | 2013-03 | 2014-03 | 2015-03 | 2016-03 | 2017-03 | 2018-03 | 2019-03 | 2020-03 | 2021-03 | |
Return on Equity (%) | 23.55 | 22.31 | 8.60 | 6.61 | -28.50 | 3.83 | 8.03 | -20.82 | 7.66 | |
Return on Assets (%) | 1.60 | 1.57 | 0.66 | 0.53 | -2.01 | 0.24 | 0.49 | -1.13 | 0.37 | |
Net Interest Margin | 3.29 | 3.50 | 3.73 | 3.68 | 3.29 | 3.42 | 3.55 | 3.81 | 3.52 | |
Interest Spread (%) | 9.80 | 8.85 | 9.36 | 7.86 | 7.76 | 7.04 | 6.93 | 8.37 | 8.19 | |
Yield on Advances (%) | 15.66 | 14.59 | 15.84 | 13.63 | 13.42 | 11.63 | 11.58 | 13.12 | 12.13 |
Particulars | 10 years | 2013-03 Rs. Cr. | 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. |
Shh. Funds | 4,865 | 5,722 | 6,108 | 6,421 | 5,673 | 6,158 | 6,622 | 6,346 | 6,802 | 8,077 | |
Minority Int. | |||||||||||
Deposits | 64,212 | 69,328 | 65,736 | 69,379 | 72,459 | 80,005 | 89,637 | 97,786 | 108,047 | 114,703 | |
Borrowings | 1,075 | 1,765 | 2,340 | 2,240 | 1,276 | 1,628 | 2,624 | 2,020 | 2,015 | 2,371 | |
Other Liab. | 1,583 | 1,797 | 1,726 | 2,214 | 2,604 | 1,894 | 2,522 | 2,678 | 3,408 | 5,425 | |
Total Liab. | 71,734 | 78,613 | 75,910 | 80,254 | 82,012 | 89,684 | 101,405 | 108,829 | 120,273 | 130,576 | |
Fixed Assets | 457 | 535 | 690 | 764 | 1,544 | 1,615 | 1,675 | 2,071 | 2,013 | 1,954 | |
Investments | 25,731 | 26,185 | 22,740 | 20,334 | 21,271 | 18,860 | 23,141 | 22,990 | 30,774 | 33,785 | |
Advances | 39,200 | 46,385 | 44,586 | 50,193 | 49,816 | 56,913 | 66,272 | 64,399 | 66,842 | 70,393 | |
Cash & Bank | 5,404 | 4,216 | 3,735 | 3,204 | 5,393 | 8,260 | 5,872 | 9,793 | 9,504 | 8,792 | |
Other Assets | 942 | 1,292 | 4,160 | 5,758 | 3,989 | 4,037 | 4,445 | 9,576 | 11,141 | 15,652 | |
Total Assets | 71,734 | 78,613 | 75,910 | 80,254 | 82,012 | 89,684 | 101,405 | 108,829 | 120,273 | 130,576 |
Particulars | 10 years | 2013-03 Rs. Cr. | 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. TTM |
Interest Earned | 6,137 | 6,767 | 7,061 | 6,844 | 6,686 | 6,621 | 7,676 | 8,446 | 8,111 | 8,013 | |
Other Income | 485 | 393 | 599 | 509 | 497 | 501 | 817 | 509 | 722 | 539 | |
Total Income | 6,622 | 7,160 | 7,660 | 7,352 | 7,183 | 7,122 | 8,493 | 8,955 | 8,833 | 8,552 | |
Operating Exp. | -992 | -1,181 | -1,416 | -1,554 | -1,716 | -1,990 | -2,485 | -2,735 | -2,884 | -3,343 | |
Provisions | -284 | -147 | -1,015 | -976 | -2,800 | -1,261 | -1,058 | -2,625 | -1,079 | -360 | |
PBIT | 5,346 | 5,832 | 5,229 | 4,822 | 2,666 | 3,871 | 4,950 | 3,595 | 4,870 | 4,848 | |
Interest | -3,820 | -4,082 | -4,409 | -4,132 | -4,173 | -3,750 | -4,291 | -4,739 | -4,340 | -4,101 | |
Tax | -471 | -569 | -312 | -276 | -126 | 82 | -195 | -39 | -102 | -242 | |
PAT | 1,055 | 1,181 | 508 | 414 | -1,633 | 203 | 464 | -1,183 | 428 | 504 | |
Minority Interest | |||||||||||
Share Associate | -10 | ||||||||||
Other Related Items | |||||||||||
Consolidated Net Profit | 1,055 | 1,181 | 508 | 414 | -1,633 | 203 | 464 | -1,183 | 428 | 495 | |
Adjusted EPS | 22 | 2 | 10 | 9 | -31 | 4 | 8 | -17 | 6 | 6 |
Particulars | 10 years | 2012-03 Rs. Cr. | 2013-03 Rs. Cr. | 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. |
Cash Fr. Operatn. | 1,177 | 1,280 | -683 | 118 | -219 | 2,457 | 2,363 | -2,992 | 4,374 | -14 | |
Cash Fr. Inv. | -70 | -86 | -169 | -261 | -136 | -861 | -164 | -165 | -115 | -76 | |
Cash Fr. Finan. | -201 | -243 | -338 | -338 | -176 | 593 | 668 | 769 | -339 | -199 | |
Net Change | 905 | 951 | -1,189 | -480 | -531 | 2,189 | 2,867 | -2,388 | 3,920 | -289 | |
Cash & Cash Eqvt | 4,454 | 5,404 | 4,216 | 3,735 | 3,204 | 5,393 | 8,260 | 5,872 | 9,793 | 9,504 |
Thu, 19 May 2022
Announcement under Regulation 30 (LODR)-Newspaper Publication Pursuant to Securities Exchange Board of India (Listing obligations and Disclosure Requirements) Regulations 2015 we are enclosing herewith the copy of the Notice published in the newspapers on 18th May 2022 regarding transfer of shares to Investor Education Protection Fund (IEPF). |
Wed, 18 May 2022
Announcement under Regulation 30 (LODR)-Newspaper Publication Pursuant to Securities Exchange Board of India (Listing obligations and Disclosure Requirements) Regulations 2015 we are enclosing herewith the copy of the Notice published in the newspapers on 17th May 2022 regarding Loss of Share Certificates. |
Wed, 18 May 2022
Announcement under Regulation 30 (LODR)-Change in Directorate Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 please be informed that the Government of Jammu & Kashmir vide order no. 567-JK(GAD) of 2022 dated 17th May 2022 has nominated Mr. Vivek Bhardwaj IAS {Financial Commissioner (Additional Chief Secretary) Finance Department} as Government Nominee Director on the Board of Directors of the Bank in place of Mr. Atal Dulloo IAS (Additional Chief Secretary) with effect from 17th May 2022. |
Fri, 27 May 2022 |
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