The Jammu & Kashmir Bank Ltd.
Snapshot View

52.35 -3.95 ▼-7.0%

27 January 2023, 04:01:00 PM
Volume: 1,385,834

Overview View Details >>

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.jkbank.com
Market Cap 5,033.35 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 8.60 Trailing Twelve Months Ending 2022-12
Price-Earning Ratio (PE) 6.09 Trailing Twelve Months Ending 2022-12
Industry PE 17.92 Trailing Twelve Months Ending 2022-12
Book Value / Share 81.49 Trailing Twelve Months Ending 2022-12
Price to Book Value 0.64 Calculated using Price: 52.35
Dividend Yield 0.00 Period Ending 2022-03
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.

Delivery View Details >>

Delivered Qty
Traded Qty

Performance View Details >>

1 Day
-7.02%
1 Week
-5.25%
1 Month
-4.47%
3 Month
+35.27%
6 Month
+85.31%
1 Year
+27.22%
2 Year
+93.17%
5 Year
-30.20%
10 Year
-59.14%
9 years 2014-03 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03 2022-03
Return on Equity (%) 22.31 8.60 6.61 -28.50 3.83 8.03 -20.82 7.78 7.84
Return on Assets (%) 1.57 0.66 0.53 -2.01 0.24 0.49 -1.13 0.38 0.40
Net Interest Margin 3.50 3.73 3.68 3.29 3.42 3.55 3.81 3.52 3.46
Interest Spread (%) 8.85 9.36 7.86 7.76 7.04 6.93 8.37 8.19 7.88
Yield on Advances (%) 14.59 15.84 13.63 13.42 11.63 11.58 13.12 12.13 11.38

Balance Sheet View Details >>

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. 2022-12* Rs. Cr.
Shh. Funds 5,722 6,108 6,421 5,673 6,158 6,622 6,346 6,802 8,077 8,785
Minority Int.
Deposits 69,328 65,736 69,379 72,459 80,005 89,637 97,786 108,047 114,703 117,925
Borrowings 1,765 2,340 2,240 1,276 1,628 2,624 2,020 2,015 2,371 3,274
Other Liab. 1,797 1,726 2,214 2,604 1,894 2,522 2,678 3,408 5,425 3,920
Total Liab. 78,613 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 133,904
Fixed Assets 535 690 764 1,544 1,615 1,675 2,071 2,013 1,954 1,941
Investments 26,185 22,740 20,334 21,271 18,860 23,141 22,990 30,774 33,785 33,410
Advances 46,385 44,586 50,193 49,816 56,913 66,272 64,399 66,842 70,393 77,636
Cash & Bank 4,216 3,735 3,204 5,393 8,260 5,872 9,793 9,504 8,792 6,441
Other Assets 1,292 4,160 5,758 3,989 4,037 4,445 9,576 11,141 15,652 14,476
Total Assets 78,613 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 133,904

Profit Loss View Details >>

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. 2022-12 Rs. Cr. TTM
Interest Earned 6,767 7,061 6,844 6,686 6,621 7,676 8,446 8,111 8,013 8,855
Other Income 393 599 509 497 501 817 509 701 790 540
Total Income 7,160 7,660 7,352 7,183 7,122 8,493 8,955 8,813 8,803 9,396
Operating Exp. -1,181 -1,416 -1,554 -1,716 -1,990 -2,485 -2,735 -2,884 -3,599 -3,539
Provisions -147 -1,015 -976 -2,800 -1,261 -1,058 -2,625 -1,052 -358 -193
PBIT 5,832 5,229 4,822 2,666 3,871 4,950 3,595 4,877 4,847 5,664
Interest -4,082 -4,409 -4,132 -4,173 -3,750 -4,291 -4,739 -4,340 -4,101 -4,384
Tax -569 -312 -276 -126 82 -195 -39 -102 -241 -445
PAT 1,181 508 414 -1,633 203 464 -1,183 435 504 835
Minority Interest
Share Associate -6 -10 -8
Other Related Items
Consolidated Net Profit 1,181 508 414 -1,633 203 464 -1,183 428 495 827
Adjusted EPS 2 10 9 -31 4 8 -17 6 5 9

Cash Flow View Details >>

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.
Cash Fr. Operatn. 1,280 -683 118 -219 2,457 2,363 -2,992 4,374 -14 -1,568
Cash Fr. Inv. -86 -169 -261 -136 -861 -164 -165 -115 -76 -85
Cash Fr. Finan. -243 -338 -338 -176 593 668 769 -339 -199 941
Net Change 951 -1,189 -480 -531 2,189 2,867 -2,388 3,920 -289 -712
Cash & Cash Eqvt 5,404 4,216 3,735 3,204 5,393 8,260 5,872 9,793 9,504 8,792

Shareholding Pattern View Details >>

9 Qtrs 2020-12 (%) 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%)
Promoter 68.18 68.18 68.18 74.23 70.12 70.12 68.03 68.03 68.03
Public 31.82 31.82 31.82 25.77 29.88 29.88 31.97 31.97 31.97
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

Announcements View Details >>

Fri, 27 Jan 2023
Shareholder Meeting / Postal Ballot-Notice of Postal Ballot
Notice of Postal Ballot
Wed, 25 Jan 2023
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 consequent upon Government of Jammu & Kashmirorder no. FDBkg/84/2021-09 dated 25th January 2023 Mr. Vivek Bharadwaj IAS (DIN:02847409) has ceased to be a Director on the Board of Directors of the Bank
Tue, 24 Jan 2023
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate
Compliance under Regulation 39(3) of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015

Technical Scans View Details >>

Fri, 27 Jan 2023
Close Crossing Last Week Low Close Crossing Last Week Low
Closing Below Previous Low Closing Below Previous Low
Close Below Last Week Low Close Below Last Week Low
High Increase in 3 Months High Increase in 3 Months
High Increase in 6 Months High Increase in 6 Months

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