Nifty
Sensex
:
:
11566.20
39036.92
-34.00 (-0.29%)
-53.11 (-0.14%)

Bank - Private

Rating :
63/99

BSE: 532209 | NSE: J&KBANK

35.05
23-Sep-2019
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  36.50
  •  37.40
  •  34.70
  •  35.90
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1424801
  •  516.47
  •  65.75
  •  31.10

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,951.79
  • 4.50
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • -299.22
  • N/A
  • 0.32

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 59.23%
  • 1.37%
  • 14.57%
  • FII
  • DII
  • Others
  • 2.82%
  • 4.94%
  • 17.07%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.70
  • 5.00
  • 10.44

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -40.20

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -0.97
  • -1.78
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 6.07
  • 7.52
  • 4.48

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.84
  • 0.64
  • 0.58

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.88
  • 2.06
  • 0.86

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated
Description
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Dec 18
Dec 17
Var%
Sep 18
Sep 17
Var%
Interest Earned
2,072.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest Exp.
1,169.77
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Interest Income
902.29
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NIM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
185.36
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Income
2,257.42
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Exp.
677.84
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit
409.81
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision
293.21
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBT
116.60
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBTM
5.63
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TAX
95.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT
21.15
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PATM
1.02%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
EPS
0.38
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA
6,030.84
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA%
8.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA
2,962.30
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA%
4.36
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CASA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Net Interest Income
-
3,384.43
2,871.21
2,512.79
2,711.37
2,652.54
2,685.11
2,316.73
1,838.84
1,543.92
1,119.61
Interest Earned
-
7,675.56
6,621.40
6,685.80
6,843.57
7,061.13
6,767.00
6,136.80
4,835.58
3,713.13
3,056.88
Interest Expended
-
4,291.13
3,750.19
4,173.01
4,132.20
4,408.59
4,081.89
3,820.07
2,996.74
2,169.21
1,937.27
Int. income Growth
-
17.87%
14.26%
-7.32%
2.22%
-1.21%
15.90%
25.99%
19.10%
37.90%
 
Other Income
-
817.48
500.84
497.27
508.71
599.04
393.21
485.29
335.03
364.76
416.24
Total Income
-
4,201.91
3,372.05
3,010.06
3,220.08
3,251.58
3,078.32
2,802.02
2,173.87
1,908.68
1,535.85
Total Expenditure
-
3,438.94
3,154.44
4,431.45
2,466.31
2,336.41
1,249.66
1,225.85
928.98
936.23
707.13
Employee Cost
-
1,650.11
1,290.62
1,126.35
1,025.19
897.56
747.13
654.16
522.67
523.61
366.36
% Of Sales
-
21.50%
19.49%
16.85%
14.98%
12.71%
11.04%
10.66%
10.81%
14.10%
11.98%
Opt. & Establishment Exp.
-
939.20
796.26
675.36
593.45
613.34
511.68
387.18
325.07
273.33
247.95
% Of Sales
-
12.24%
12.03%
10.10%
8.67%
8.69%
7.56%
6.31%
6.72%
7.36%
8.11%
Provisions
-
1,058.17
1,260.92
2,800.30
976.23
1,015.47
147.21
284.09
169.16
215.15
166.68
% Of Sales
-
13.79%
19.04%
41.88%
14.26%
14.38%
2.18%
4.63%
3.50%
5.79%
5.45%
EBITDA
-
762.97
217.61
-1,421.39
753.77
915.17
1,828.66
1,576.17
1,244.89
972.45
828.72
EBITDA Margin
-
22.54%
7.58%
-56.57%
27.80%
34.50%
68.10%
68.03%
67.70%
62.99%
74.02%
Depreciation
-
104.27
96.68
85.28
64.28
94.98
78.18
49.79
43.96
37.93
36.93
PBT
-
658.70
120.93
-1,506.67
689.49
820.19
1,750.49
1,526.38
1,200.93
934.52
791.78
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
-
194.85
-81.76
126.32
275.65
311.71
569.41
471.49
397.85
319.19
279.23
Tax Rate
-
29.58%
-67.61%
-8.38%
39.98%
38.00%
32.53%
30.89%
33.13%
34.16%
35.27%
PAT
-
463.85
202.69
-1,632.99
413.84
508.48
1,181.08
1,054.89
803.08
615.33
512.55
PAT before Minority Interest
-
463.85
202.69
-1,632.99
413.84
508.48
1,181.08
1,054.89
803.08
615.33
512.55
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
-
11.04%
6.01%
-54.25%
12.85%
15.64%
38.37%
37.65%
36.94%
32.24%
33.37%
PAT Growth
-
128.85%
0
-494.59%
-18.61%
-56.95%
11.96%
31.36%
30.51%
20.05%
 
Unadjusted EPS
-
8.35
3.63
-33.59
8.58
10.49
24.39
217.65
165.66
126.93
105.69

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Shareholder's Funds
6,621.76
6,157.59
5,672.89
6,420.86
6,108.45
5,722.12
4,864.59
4,093.29
3,478.97
3,010.62
Share Capital
55.70
55.70
52.15
48.49
48.49
48.49
48.49
48.49
48.49
48.49
Total Reserves
6,566.05
6,101.89
5,620.74
6,372.36
6,059.95
5,673.63
4,816.10
4,044.80
3,430.48
2,962.13
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
89,636.83
80,004.53
72,458.97
69,378.81
65,736.16
69,328.35
64,212.18
53,341.76
44,670.41
37,231.89
Borrowings
2,623.96
1,628.34
1,276.05
2,240.00
2,339.67
1,765.00
1,075.00
1,240.96
1,104.65
1,100.21
Other Liabilities & Provisions
2,522.28
1,893.98
2,604.22
2,213.87
1,725.51
1,797.34
1,582.57
1,587.77
1,248.95
1,199.06
Total Liabilities
101,404.83
89,684.44
82,012.13
80,253.54
75,909.79
78,612.81
71,734.34
60,263.78
50,502.98
42,541.78
Net Block
1,646.36
1,598.33
1,479.35
705.66
655.40
507.85
444.00
415.09
391.64
202.81
Gross Block
2,646.19
2,497.28
2,285.62
1,430.01
1,318.61
1,076.21
934.21
855.52
788.10
561.35
Accumulated Depreciation
999.83
898.95
806.27
724.35
663.20
568.37
490.21
440.42
396.47
358.54
Total Non-Current Assets
96,959.64
85,647.69
78,023.49
74,495.38
71,750.11
77,320.41
70,791.99
59,570.88
49,826.98
41,826.84
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
28.96
16.55
64.34
58.60
34.16
27.29
12.68
5.18
2.13
1.32
Cash and balance with RBI
4,874.97
4,328.36
3,590.97
3,126.74
2,373.05
3,045.59
2,695.15
2,783.65
2,974.96
2,744.73
Balance with banks and money at call
997.34
3,931.68
1,801.83
77.47
1,362.09
1,170.01
2,709.28
1,670.22
573.85
1,869.51
Investments
23,140.50
18,860.03
21,270.89
20,333.62
22,739.59
26,185.07
25,731.07
21,619.32
19,690.77
13,951.25
Advances
66,271.51
56,912.74
49,816.11
50,193.29
44,585.82
46,384.60
39,199.81
33,077.42
26,193.63
23,057.22
Other Assets
4,445.19
4,036.74
3,988.64
5,758.16
4,159.67
1,292.41
942.37
692.89
675.99
714.94
Total Assets
101,404.83
89,684.43
82,012.13
80,253.54
75,909.78
78,612.82
71,734.36
60,263.77
50,502.97
42,541.78
Contingent Liabilities
6,392.54
5,795.12
6,108.99
16,864.11
21,697.24
16,140.72
32,282.80
15,066.08
25,517.66
11,499.25
Bills for collection
1,443.66
1,193.53
1,190.86
1,208.82
1,173.09
1,235.89
896.00
920.34
1,461.68
592.26
Adjusted Book Value
108.03
99.44
96.64
132.45
126.00
11.80
100.35
84.44
71.76
62.10

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Cash From Operating Activity
-2,991.71
2,362.68
2,457.10
-218.95
118.06
-682.73
1,279.51
1,176.50
-659.09
-1,109.18
PBT
658.69
120.93
-1,506.68
689.49
820.13
1,749.81
1,526.30
1,200.87
934.58
791.87
Adjustment
1,393.83
1,467.16
2,937.27
1,091.38
1,164.51
280.07
387.96
267.18
307.03
217.33
Adjustments for Liabilities & Assets
-5,008.48
955.79
1,098.57
-1,605.78
-1,525.80
-2,104.07
-100.85
110.80
-1,581.98
-1,839.11
Refund/(Payment) of direct taxes
-35.76
-181.20
-72.07
-394.04
-340.78
-608.54
-533.91
-402.35
-318.71
-279.27
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
-164.64
-163.87
-861.35
-135.84
-260.93
-168.51
-86.20
-70.46
-227.56
-41.65
Net Fixed Assets
-160.87
-163.82
-861.32
-135.66
-249.61
-155.48
-85.64
-70.47
-227.56
-41.64
Other Investment Activity
-2836.97
-3373.58
-2484.25
-1748.02
-1519.94
-1188.02
-1016.80
-1088.26
-831.88
-602.59
Cash from Financing Activity
768.61
668.43
592.85
-176.15
-337.58
-337.58
-242.76
-200.98
-178.78
490.31
Closing Cash & Equivalent
5,872.31
8,260.04
5,392.80
3,204.20
3,735.15
4,215.60
5,404.42
4,453.87
3,548.81
4,614.24
Net Cash Inflow / Outflow
-2,387.74
2,867.24
2,188.60
-530.94
-480.45
-1,188.82
950.55
905.06
-1,065.43
-660.52
Opening Cash & Equivalents
8,260.04
5,392.80
3,204.20
3,735.15
4,215.60
5,404.42
4,453.87
3,548.81
4,614.24
5,274.76

Financial Ratios

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Book Value
108.03
99.44
96.64
132.45
126.00
11.80
100.35
84.44
71.76
62.10
NIM
3.55
3.42
3.29
3.68
3.73
3.50
3.29
3.11
3.12
2.69
Yield on Advances
11.58
11.63
13.42
13.63
15.84
14.59
15.66
14.62
14.18
13.26
Yield on Investments
7.55
7.79
9.02
8.82
8.15
6.65
7.23
6.66
5.88
6.29
Cost of Liabilities
4.65
4.59
5.66
5.77
6.48
5.74
5.85
5.49
4.74
5.05
Interest Spread
6.93
7.04
7.76
7.86
9.36
8.85
9.80
9.13
9.44
8.20
ROCE
10.94%
3.52%
-18.09%
9.78%
12.87%
27.63%
28.49%
26.14%
23.80%
22.99%
Cost Income Ratio
59.14
59.02
57.02
48.27
43.55
38.35
35.39
36.97
39.77
37.59
Core Cost Income Ratio
62.29
59.87
59.74
50.58
45.16
39.16
37.38
37.60
41.79
42.38
Operating Costs to Assets
2.45
2.22
2.09
1.94
1.87
1.50
1.38
1.33
1.50
1.36
Loans/Deposits
0.03
0.02
0.02
0.03
0.04
0.03
0.02
0.02
0.02
0.03
Cash/Deposits
0.05
0.05
0.05
0.05
0.04
0.04
0.04
0.05
0.07
0.07
Investment/Deposits
0.26
0.24
0.29
0.29
0.35
0.38
0.40
0.41
0.44
0.37
Inc Loan/Deposits
2.93%
2.04%
1.76%
3.23%
3.56%
2.55%
1.67%
2.33%
2.47%
2.96%
Credit Deposits
73.93%
71.14%
68.75%
72.35%
67.83%
66.91%
61.05%
62.01%
58.64%
61.93%
Interest Expended / Interest earned
55.91%
56.64%
62.42%
60.38%
62.43%
60.32%
62.25%
61.97%
58.42%
63.37%
Interest income / Total funds
7.57%
7.38%
8.15%
8.53%
9.30%
8.61%
8.55%
8.02%
7.35%
7.19%
Interest Expended / Total funds
4.23%
4.18%
5.09%
5.15%
5.81%
5.19%
5.33%
4.97%
4.30%
4.55%
CASA
50.70%
50.89%
51.70%
44.13%
41.80%
39.06%
39.23%
40.71%
40.48%
40.69%

News Update:


  • Jammu & Kashmir Bank planning to raise up to Rs 550 crore via bonds
    20th Aug 2019, 10:30 AM

    The Bank’s board will put the fund raising proposal before the shareholders at its annual general meeting on September 7, 2019

    Read More
  • RBI imposes monetary penalty of Rs 0.5 crore on Jammu & Kashmir Bank
    6th Aug 2019, 10:48 AM

    This action is based on the deficiencies in regulatory compliance

    Read More
  • Jammu & Kashmir Bank reports 60% fall in Q1 consolidated net profit
    3rd Aug 2019, 15:19 PM

    Total consolidated income of the Bank increased by 18.92% at Rs 2257.42 crore for Q1FY20

    Read More
  • J&K Bank - Quarterly Results
    3rd Aug 2019, 14:38 PM

    Read More
  • J&K Bank to come under RTI, CVC
    17th Jun 2019, 11:10 AM

    The move will ensure greater transparency and accountability

    Read More

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.