Nifty
Sensex
:
:
24509.25
80502.08
-21.65 (-0.09%)
-102.57 (-0.13%)

Bank - Private

Rating :
60/99

BSE: 532209 | NSE: J%26KBANK

112.10
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  113.96
  •  114.69
  •  111.75
  •  113.97
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  4847293
  •  5477.03
  •  152.50
  •  66.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 12,157.05
  • 6.86
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 7,255.30
  • 1.95%
  • 1.00

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.40%
  • 2.41%
  • 21.07%
  • FII
  • DII
  • Others
  • 7.16%
  • 6.41%
  • 3.55%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -2.81
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.15
  • 20.91
  • 40.21

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.60
  • 0.75

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.70
  • 5.25
  • 6.29

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.60
  • 0.60
  • 0.75

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.20
  • 1.51
  • 2.75

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Interest Earned
2,910.35
2,512.30
15.84%
2,881.20
2,440.87
18.04%
2,764.44
2,298.90
20.25%
2,657.21
2,103.16
26.34%
Interest Exp.
1,603.86
1,262.40
27.05%
1,600.29
1,183.22
35.25%
1,430.17
1,094.74
30.64%
1,373.61
1,069.08
28.49%
Net Interest Income
1,306.49
1,249.90
4.53%
1,280.91
1,257.65
1.85%
1,334.27
1,204.16
10.81%
1,283.60
1,034.08
24.13%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
228.69
168.38
35.82%
185.77
243.85
-23.82%
192.90
147.95
30.38%
230.31
205.06
12.31%
Total Income
3,139.04
2,680.68
17.10%
3,066.97
2,684.72
14.24%
2,957.34
2,446.85
20.86%
2,887.52
2,308.22
25.10%
Operating Exp.
869.82
968.11
-10.15%
915.25
956.78
-4.34%
991.92
868.56
14.20%
985.57
857.41
14.95%
Operating Profit
665.36
450.17
47.80%
551.43
544.72
1.23%
535.25
483.55
10.69%
528.34
381.73
38.41%
Provision
-165.05
-175.20
-
-9.43
27.04
-
-9.95
76.91
-
76.74
145.38
-47.21%
PBT
830.41
625.37
32.79%
560.86
517.68
8.34%
545.20
406.64
34.07%
451.60
236.35
91.07%
PBTM
28.53
24.89
14.62%
19.47
21.21
-8.20%
19.72
17.69
11.48%
17.00
11.24
51.25%
TAX
190.61
148.64
28.24%
139.07
205.64
-32.37%
163.56
163.00
0.34%
124.93
70.17
78.04%
PAT
639.80
476.73
34.21%
421.79
312.04
35.17%
381.64
243.64
56.64%
326.67
166.18
96.58%
PATM
21.98%
18.98%
14.64%
12.78%
13.81%
10.60%
12.29%
7.90%
EPS
5.81
4.33
34.18%
3.83
2.83
35.34%
3.47
2.21
57.01%
2.97
1.51
96.69%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Net Interest Income
5,205.27
4,745.79
3,911.64
3,771.21
3,707.05
3,384.43
2,871.21
2,512.79
2,711.37
2,652.54
2,685.11
Interest Earned
11,213.20
9,355.23
8,012.98
8,111.09
8,446.29
7,675.56
6,621.40
6,685.80
6,843.57
7,061.13
6,767.00
Interest Expended
6,007.93
4,609.44
4,101.34
4,339.88
4,739.24
4,291.13
3,750.19
4,173.01
4,132.20
4,408.59
4,081.89
Int. income Growth
9.68%
21.32%
3.72%
1.73%
9.53%
17.87%
14.26%
-7.32%
2.22%
-1.21%
 
Other Income
837.67
765.24
753.48
701.49
508.60
817.48
500.84
497.27
508.71
599.04
393.21
Total Income
12,050.87
5,511.03
4,665.12
4,472.70
4,215.65
4,201.91
3,372.05
3,010.06
3,220.08
3,251.58
3,078.32
Total Expenditure
3,762.56
3,592.99
3,795.21
3,801.68
5,234.00
3,438.94
3,154.44
4,431.45
2,466.31
2,336.41
1,249.66
Employee Cost
-
2,708.56
2,675.08
2,062.43
1,890.64
1,650.11
1,290.62
1,126.35
1,025.19
897.56
747.13
% Of Sales
-
28.95%
33.38%
25.43%
22.38%
21.50%
19.49%
16.85%
14.98%
12.71%
11.04%
Opt. & Establishment Exp.
-
1,074.77
1,047.90
956.02
969.60
939.20
796.26
675.36
593.45
613.34
511.68
% Of Sales
-
11.49%
13.08%
11.79%
11.48%
12.24%
12.03%
10.10%
8.67%
8.69%
7.56%
Provisions
-
74.60
320.89
1,051.79
2,625.10
1,058.17
1,260.92
2,800.30
976.23
1,015.47
147.21
% Of Sales
-
0.80%
4.00%
12.97%
31.08%
13.79%
19.04%
41.88%
14.26%
14.38%
2.18%
EBITDA
2,280.38
1,918.04
869.91
671.02
-1,018.35
762.97
217.61
-1,421.39
753.77
915.17
1,828.66
EBITDA Margin
66.45%
40.42%
22.24%
17.79%
-27.47%
22.54%
7.58%
-56.57%
27.80%
34.50%
68.10%
Depreciation
0.00
132.47
124.33
134.28
125.67
104.27
96.68
85.28
64.28
94.98
78.18
PBT
2,388.07
1,785.57
745.58
536.75
-1,144.03
658.70
120.93
-1,506.67
689.49
820.19
1,750.49
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
618.17
586.98
241.14
101.95
39.36
194.85
-81.76
126.32
275.65
311.71
569.41
Tax Rate
25.89%
32.87%
32.34%
18.99%
-3.44%
29.58%
-67.61%
-8.38%
39.98%
38.00%
32.53%
PAT
1,769.90
1,198.59
504.44
434.80
-1,183.39
463.85
202.69
-1,632.99
413.84
508.48
1,181.08
PAT before Minority Interest
1,769.90
1,198.59
504.44
434.80
-1,183.39
463.85
202.69
-1,632.99
413.84
508.48
1,181.08
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
29.29%
21.75%
10.81%
9.72%
-28.07%
11.04%
6.01%
-54.25%
12.85%
15.64%
38.37%
PAT Growth
47.67%
137.61%
16.02%
0
-355.12%
128.85%
0
-494.59%
-18.61%
-56.95%
 
EPS
16.07
10.88
4.58
3.95
-10.75
4.21
1.84
-14.83
3.76
4.62
10.73

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Shareholder's Funds
9,896.33
8,077.12
6,802.27
6,345.85
6,621.76
6,157.59
5,672.89
6,420.86
6,108.45
5,722.12
Share Capital
103.16
93.30
71.36
71.36
55.70
55.70
52.15
48.49
48.49
48.49
Total Reserves
9,793.16
7,890.31
6,730.91
6,274.49
6,566.05
6,101.89
5,620.74
6,372.36
6,059.95
5,673.63
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
122,027.18
114,702.77
108,047.30
97,785.83
89,636.83
80,004.53
72,458.97
69,378.81
65,736.16
69,328.35
Borrowings
2,892.31
2,370.82
2,015.20
2,019.58
2,623.96
1,628.34
1,276.05
2,240.00
2,339.67
1,765.00
Other Liabilities & Provisions
11,096.78
5,425.33
3,408.11
2,677.89
2,522.28
1,893.98
2,604.22
2,213.87
1,725.51
1,797.34
Total Liabilities
145,912.60
130,576.04
120,272.88
108,829.15
101,404.83
89,684.44
82,012.13
80,253.54
75,909.79
78,612.81
Net Block
2,224.43
1,907.51
1,971.42
2,036.32
1,646.36
1,598.33
1,479.35
705.66
655.40
507.85
Gross Block
3,775.81
3,302.41
3,226.74
3,159.14
2,646.19
2,497.28
2,285.62
1,430.01
1,318.61
1,076.21
Accumulated Depreciation
1,551.38
1,394.90
1,255.33
1,122.82
999.83
898.95
806.27
724.35
663.20
568.37
Total Non-Current Assets
128,228.62
114,924.16
109,132.37
99,253.28
96,959.64
85,647.69
78,023.49
74,495.38
71,750.11
77,320.41
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
47.32
46.43
41.42
34.82
28.96
16.55
64.34
58.60
34.16
27.29
Cash and balance with RBI
7,794.06
7,750.20
3,685.33
2,947.48
4,874.97
4,328.36
3,590.97
3,126.74
2,373.05
3,045.59
Balance with banks and money at call
1,104.80
1,041.70
5,818.37
6,845.12
997.34
3,931.68
1,801.83
77.47
1,362.09
1,170.01
Investments
34,780.40
33,785.25
30,774.10
22,990.47
23,140.50
18,860.03
21,270.89
20,333.62
22,739.59
26,185.07
Advances
82,277.61
70,393.07
66,841.73
64,399.07
66,271.51
56,912.74
49,816.11
50,193.29
44,585.82
46,384.60
Other Assets
17,683.97
15,651.86
11,140.50
9,575.87
4,445.19
4,036.74
3,988.64
5,758.16
4,159.67
1,292.41
Total Assets
145,912.59
130,576.02
120,272.87
108,829.15
101,404.83
89,684.43
82,012.13
80,253.54
75,909.78
78,612.82
Contingent Liabilities
5,233.77
5,524.94
4,866.94
5,756.78
6,392.54
5,795.12
6,108.99
16,864.11
21,697.24
16,140.72
Bills for collection
1,705.41
1,538.06
1,439.60
1,160.77
1,443.66
1,193.53
1,190.86
1,208.82
1,173.09
1,235.89
Adjusted Book Value
83.52
75.40
81.71
74.99
108.03
99.44
96.64
132.45
126.00
11.80

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Cash From Operating Activity
-407.13
-1,568.05
-14.17
4,373.94
-2,991.71
2,362.68
2,457.10
-218.95
118.06
-682.73
PBT
1,767.96
737.13
531.94
-1,144.03
658.69
120.93
-1,506.68
689.49
820.13
1,749.81
Adjustment
440.97
626.99
1,369.48
2,989.73
1,393.83
1,467.16
2,937.27
1,091.38
1,164.51
280.07
Adjustments for Liabilities & Assets
-2,160.97
-2,688.64
-1,827.85
2,661.02
-5,008.48
955.79
1,098.57
-1,605.78
-1,525.80
-2,104.07
Refund/(Payment) of direct taxes
-455.09
-243.53
-87.73
-132.78
-35.76
-181.20
-72.07
-394.04
-340.78
-608.54
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-123.51
-85.18
-75.98
-114.69
-164.64
-163.87
-861.35
-135.84
-260.93
-168.51
Net Fixed Assets
-474.23
-80.64
-74.17
-518.61
-160.87
-163.82
-861.32
-135.66
-249.61
-155.48
Other Investment Activity
-3905.93
-3422.50
-3380.57
-3356.35
-2836.97
-3373.58
-2484.25
-1748.02
-1519.94
-1188.02
Cash from Financing Activity
637.59
941.43
-198.75
-338.95
768.61
668.43
592.85
-176.15
-337.58
-337.58
Closing Cash & Equivalent
8,898.86
8,791.91
9,503.70
9,792.60
5,872.31
8,260.04
5,392.80
3,204.20
3,735.15
4,215.60
Net Cash Inflow / Outflow
106.95
-711.80
-288.90
3,920.29
-2,387.74
2,867.24
2,188.60
-530.94
-480.45
-1,188.82
Opening Cash & Equivalents
8,791.91
9,503.70
9,792.60
5,872.31
8,260.04
5,392.80
3,204.20
3,735.15
4,215.60
5,404.42

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Book Value
83.52
75.40
81.71
74.99
108.03
99.44
96.64
132.45
126.00
11.80
NIM
3.77
3.46
3.52
3.81
3.55
3.42
3.29
3.68
3.73
3.50
Yield on Advances
11.37
11.38
12.13
13.12
11.58
11.63
13.42
13.63
15.84
14.59
Yield on Investments
6.10
5.33
6.44
7.35
7.55
7.79
9.02
8.82
8.15
6.65
Cost of Liabilities
3.69
3.50
3.94
4.75
4.65
4.59
5.66
5.77
6.48
5.74
Interest Spread
7.68
7.88
8.19
8.37
6.93
7.04
7.76
7.86
9.36
8.85
ROCE
17.59%
9.82%
8.58%
-10.24%
10.94%
3.52%
-18.09%
9.78%
12.87%
27.63%
Cost Income Ratio
66.25
77.14
64.48
64.87
59.14
59.02
57.02
48.27
43.55
38.35
Core Cost Income Ratio
66.72
78.62
67.90
65.79
62.29
59.87
59.74
50.58
45.16
39.16
Operating Costs to Assets
2.50
2.76
2.40
2.51
2.45
2.22
2.09
1.94
1.87
1.50
Loans/Deposits
0.02
0.02
0.02
0.02
0.03
0.02
0.02
0.03
0.04
0.03
Cash/Deposits
0.06
0.07
0.03
0.03
0.05
0.05
0.05
0.05
0.04
0.04
Investment/Deposits
0.29
0.29
0.28
0.24
0.26
0.24
0.29
0.29
0.35
0.38
Inc Loan/Deposits
2.37%
2.07%
1.87%
2.07%
2.93%
2.04%
1.76%
3.23%
3.56%
2.55%
Credit Deposits
67.43%
61.37%
61.86%
65.86%
73.93%
71.14%
68.75%
72.35%
67.83%
66.91%
Interest Expended / Interest earned
49.27%
51.18%
53.51%
56.11%
55.91%
56.64%
62.42%
60.38%
62.43%
60.32%
Interest income / Total funds
6.41%
6.14%
6.74%
7.76%
7.57%
7.38%
8.15%
8.53%
9.30%
8.61%
Interest Expended / Total funds
3.16%
3.14%
3.61%
4.35%
4.23%
4.18%
5.09%
5.15%
5.81%
5.19%
CASA
54.10%
56.56%
56.84%
53.65%
50.70%
50.89%
51.70%
44.13%
41.80%
39.06%

News Update:


  • J&K Bank - Quarterly Results
    4th May 2024, 18:51 PM

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  • Jammu & Kashmir Bank enters into agreement with New India Assurance Company
    30th Apr 2024, 12:00 PM

    This is a MOU for servicing and soliciting the insurance products of New India Assurance Company through the branches of Jammu & Kashmir Bank

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.