The Jammu & Kashmir Bank Ltd.

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55.65 +0.50 ▲0.9%

29 May 2023, 11:33:53 AM
Volume: 1,914,955

Company Profile

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Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.jkbank.com
Market Cap 5,719.56 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 11.44 Trailing Twelve Months Ending 2023-03
Price-Earning Ratio (PE) 4.84 Trailing Twelve Months Ending 2023-03
Industry PE 19.60 Trailing Twelve Months Ending 2023-03
Book Value / Share 95.94 Trailing Twelve Months Ending 2023-03
Price to Book Value 0.58 Calculated using Price: 55.45
Dividend Yield 0.90 Period Ending 2022-03
No. of Shares Subscribed 103.15 Cr. 1,031,479,861 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

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Delivered Qty
Traded Qty

The Jammu & Kashmir Bank Ltd. Performance

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1 Day
+0.91%
1 Week
+3.25%
1 Month
-4.38%
3 Month
+13.11%
6 Month
+19.81%
1 Year
+91.90%
2 Year
+93.57%
5 Year
-3.89%
10 Year
-55.21%

The Jammu & Kashmir Bank Ltd. Fundamental Ratios

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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

The Jammu & Kashmir Bank Ltd. Balance Sheet

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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.
Shh. Funds 5,722 6,108 6,421 5,673 6,158 6,622 6,346 6,802 8,077 9,896
Minority Int.
Deposits 69,328 65,736 69,379 72,459 80,005 89,637 97,786 108,047 114,703 122,027
Borrowings 1,765 2,340 2,240 1,276 1,628 2,624 2,020 2,015 2,371 2,892
Other Liab. 1,797 1,726 2,214 2,604 1,894 2,522 2,678 3,408 5,425 11,097
Total Liab. 78,613 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913
Fixed Assets 535 690 764 1,544 1,615 1,675 2,071 2,013 1,954 2,272
Investments 26,185 22,740 20,334 21,271 18,860 23,141 22,990 30,774 33,785 34,780
Advances 46,385 44,586 50,193 49,816 56,913 66,272 64,399 66,842 70,393 82,278
Cash & Bank 4,216 3,735 3,204 5,393 8,260 5,872 9,793 9,504 8,792 8,899
Other Assets 1,292 4,160 5,758 3,989 4,037 4,445 9,576 11,141 15,652 17,684
Total Assets 78,613 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913

The Jammu & Kashmir Bank Ltd. Profit and Loss

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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. TTM
Interest Earned 6,767 7,061 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355
Other Income 393 599 509 497 501 817 509 701 790 765
Total Income 7,160 7,660 7,352 7,183 7,122 8,493 8,955 8,813 8,803 10,120
Operating Exp. -1,181 -1,416 -1,554 -1,716 -1,990 -2,485 -2,735 -2,884 -3,599 -3,651
Provisions -147 -1,015 -976 -2,800 -1,261 -1,058 -2,625 -1,052 -358 -74
PBIT 5,832 5,229 4,822 2,666 3,871 4,950 3,595 4,877 4,847 6,395
Interest -4,082 -4,409 -4,132 -4,173 -3,750 -4,291 -4,739 -4,340 -4,101 -4,609
Tax -569 -312 -276 -126 82 -195 -39 -102 -241 -587
PAT 1,181 508 414 -1,633 203 464 -1,183 435 504 1,199
Minority Interest
Share Associate -6 -10 -18
Other Related Items
Consolidated Net Profit 1,181 508 414 -1,633 203 464 -1,183 428 495 1,181
Adjusted EPS 2 10 9 -31 4 8 -17 6 5 12

The Jammu & Kashmir Bank Ltd. Cash Flow

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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

The Jammu & Kashmir Bank Ltd. Shareholding Pattern

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9 Qtrs 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%)
Promoter 68.18 68.18 74.23 70.12 70.12 68.03 68.03 68.03 63.41
Public 31.82 31.82 25.77 29.88 29.88 31.97 31.97 31.97 36.59
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

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Fri, 26 May 2023
Copy of Newspaper Publication
The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication
Thu, 25 May 2023
Copy of Newspaper Publication
The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication
Wed, 24 May 2023
Loss of Share Certificates
The Jammu & Kashmir Bank Limited has informed the Exchange about Loss of Share Certificates

The Jammu & Kashmir Bank Ltd. Technical Scans

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Fri, 26 May 2023
Close Within 52 Week High Zone Close Within 52 Week High Zone
High Increase in 3 Months High Increase in 3 Months
High Increase in 1 Year High Increase in 1 Year
High Increase in 2 Years High Increase in 2 Years
RSI Trending Up RSI Trending Up

The Jammu & Kashmir Bank Ltd. Related Stocks

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IndusInd Bank Ltd. Consolidated 2022-03 4,804.64 1,292.45 +1.9%
Bank Of Baroda Consolidated 2022-03 7,700.23 184.70 +0.6%

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