The Jammu & Kashmir Bank Ltd.

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114.55 +0.40 ▲0.4%

08 December 2023, 11:50:50 AM
Volume: 1,448,185

Company Profile

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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 11,867.18 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 14.49 Trailing Twelve Months Ending 2023-09
Price-Earning Ratio (PE) 7.94 Trailing Twelve Months Ending 2023-09
Industry PE 19.74 Trailing Twelve Months Ending 2023-09
Book Value / Share 90.45 Trailing Twelve Months Ending 2023-09
Price to Book Value 1.27 Calculated using Price: 115.05
Dividend Yield 0.43 Period Ending 2023-03
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
+0.35%
1 Week
+4.61%
1 Month
+5.24%
3 Month
+13.25%
6 Month
+96.48%
1 Year
+101.67%
2 Year
+208.76%
5 Year
+204.65%
10 Year
-8.54%

The Jammu & Kashmir Bank Ltd. Fundamental Ratios

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9 years 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03 2022-03 2023-03
Return on Equity (%) 8.60 6.61 -28.50 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 0.40 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

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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. 2023-09* Rs. Cr.
Shh. Funds 6,108 6,421 5,673 6,158 6,622 6,346 6,802 8,077 9,896 10,611
Minority Int.
Deposits 65,736 69,379 72,459 80,005 89,637 97,786 108,047 114,703 122,027 126,579
Borrowings 2,340 2,240 1,276 1,628 2,624 2,020 2,015 2,371 2,892 3,783
Other Liab. 1,726 2,214 2,604 1,894 2,522 2,678 3,408 5,425 11,097 4,610
Total Liab. 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 145,584
Fixed Assets 690 764 1,544 1,615 1,675 2,071 2,013 1,954 2,272 2,274
Investments 22,740 20,334 21,271 18,860 23,141 22,990 30,774 33,785 34,780 32,562
Advances 44,586 50,193 49,816 56,913 66,272 64,399 66,842 70,393 82,278 87,813
Cash & Bank 3,735 3,204 5,393 8,260 5,872 9,793 9,504 8,792 8,899 7,465
Other Assets 4,160 5,758 3,989 4,037 4,445 9,576 11,141 15,652 17,684 15,470
Total Assets 75,910 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 145,584

The Jammu & Kashmir Bank Ltd. Profit and Loss

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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. 2023-09 Rs. Cr. TTM
Interest Earned 7,061 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355 10,375
Other Income 599 509 497 501 817 509 701 753 765 835
Total Income 7,660 7,352 7,183 7,122 8,493 8,955 8,813 8,766 10,120 11,210
Operating Exp. -1,416 -1,554 -1,716 -1,990 -2,485 -2,735 -2,884 -3,599 -3,651 -3,902
Provisions -1,015 -976 -2,800 -1,261 -1,058 -2,625 -1,052 -321 -75 81
PBIT 5,229 4,822 2,666 3,871 4,950 3,595 4,877 4,847 6,395 7,389
Interest -4,409 -4,132 -4,173 -3,750 -4,291 -4,739 -4,340 -4,101 -4,609 -5,249
Tax -312 -276 -126 82 -195 -39 -102 -241 -587 -643
PAT 508 414 -1,633 203 464 -1,183 435 504 1,199 1,497
Minority Interest
Share Associate -6 -10 -18 -2
Other Related Items
Consolidated Net Profit 508 414 -1,633 203 464 -1,183 428 495 1,181 1,495
Adjusted EPS 10 9 -31 4 8 -17 6 5 11 15

The Jammu & Kashmir Bank Ltd. Cash Flow

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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.
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

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9 Qtrs 2021-09 (%) 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%)
Promoter 74.23 70.12 70.12 68.03 68.03 68.03 63.41 63.41 63.41
Public 25.77 29.88 29.88 31.97 31.97 31.97 36.59 36.59 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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Thu, 07 Dec 2023
Copy of Newspaper Publication
The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication
Wed, 06 Dec 2023
Copy of Newspaper Publication
The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication
Wed, 06 Dec 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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Thu, 07 Dec 2023
Opening at High Opening at High
Close Within 52 Week High Zone Close Within 52 Week High Zone
Close Above Last Week High Close Above Last Week High
High Increase in 3 Months High Increase in 3 Months
High Increase in 6 Months High Increase in 6 Months

The Jammu & Kashmir Bank Ltd. Related Stocks

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Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
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IndusInd Bank Ltd. Consolidated 2023-03 7,443.13 1,510.35 +0.4%
Bank Of Baroda Consolidated 2023-03 14,687.88 211.50 +0.2%

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