THE JAMMU & KASHMIR BANK LTD.

NSE : J&KBANKBSE : 532209ISIN CODE : INE168A01041Industry : Bank - PrivateHouse : PSU
BSE134.656.1 (+4.75 %)
PREV CLOSE (Rs.) 128.55
OPEN PRICE (Rs.) 128.20
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 1062962
TODAY'S LOW / HIGH (Rs.)128.05 135.70
52 WK LOW / HIGH (Rs.)87.51 135
NSE134.646.12 (+4.76 %)
PREV CLOSE( Rs. ) 128.52
OPEN PRICE (Rs.) 128.50
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 134.64 (5007)
VOLUME 11378465
TODAY'S LOW / HIGH(Rs.) 128.21 135.68
52 WK LOW / HIGH (Rs.)87.3 135
Particulars
Mar 2025
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Operational & Financial Ratios
 
 
 
 
 
   Earnings Per Share (Rs)
18.91  
16.05  
11.61  
5.38  
6.06  
   DPS(Rs)
2.15  
2.15  
0.50  
0.00  
0.00  
   Book NAV/Share(Rs)
118.18  
99.59  
83.98  
75.72  
82.04  
Margin Ratios
 
 
 
 
 
   Yield on Advances
12.03  
11.96  
11.37  
11.38  
12.13  
   Yield on Investments
 
 
 
 
 
   Cost of Liabilities
4.47  
4.36  
3.69  
3.50  
3.94  
   NIM
3.73  
3.80  
3.77  
3.46  
3.52  
   Interest Spread
7.56  
7.59  
7.68  
7.88  
8.19  
Performance Ratios
 
 
 
 
 
   ROA(%)
1.29  
1.18  
0.87  
0.40  
0.38  
   ROE(%)
17.37  
18.01  
15.23  
7.77  
7.68  
   ROCE(%)
20.39  
19.37  
17.52  
9.76  
8.51  
Efficiency Ratios
 
 
 
 
 
   Cost Income Ratio
57.73  
62.24  
66.22  
77.18  
64.50  
   Core Cost Income Ratio
58.18  
63.32  
66.70  
78.66  
67.93  
   Operating Costs to Assets
2.36  
2.43  
2.50  
2.75  
2.39  
Capitalisation Ratios
 
 
 
 
 
   Tier 1 ratio
 
 
 
 
 
   Tier 2 ratio
NA  
NA  
NA  
NA  
NA  
   CAR
NA  
NA  
NA  
NA  
NA  
Valuation Parameters
 
 
 
 
 
   PER(x)
4.88  
8.35  
4.23  
6.01  
4.24  
   PCE(x)
4.52  
7.43  
3.74  
4.67  
3.24  
   Price/Book(x)
0.78  
1.35  
0.59  
0.43  
0.31  
   Yield(%)
2.33  
1.60  
1.02  
0.00  
0.00  
   EV/Net Sales(x)
1.00  
1.57  
0.85  
0.67  
0.47  
   EV/Core EBITDA(x)
4.28  
7.75  
4.28  
5.07  
2.43  
   EV/EBIT(x)
1.30  
2.10  
1.25  
1.11  
0.79  
   EV/CE(x)
0.81  
1.27  
0.69  
0.57  
0.03  
   M Cap / Sales
0.81  
1.32  
0.54  
0.38  
0.23  
Growth Ratio
 
 
 
 
 
   Core Operating Income Growth
11.34  
9.66  
21.32  
3.72  
1.73  
   Operating Profit Growth
 
 
 
 
 
   Net Profit Growth
17.84  
47.59  
138.73  
16.07  
137.93  
   BVPS Growth
18.66  
18.59  
10.90  
-7.70  
8.44  
   Advances Growth
11.13  
13.95  
16.88  
5.32  
3.79  
   EPS Growth(%)
17.84  
38.25  
115.91  
-11.23  
137.93  
Liquidity Ratios
 
 
 
 
 
   Loans/Deposits(x)
 
 
 
 
 
   Cash / Deposits(x)
0.05  
0.05  
0.06  
0.07  
0.03  
   Investment / Deposits(x)
0.28  
0.26  
0.29  
0.29  
0.29  
   IncLoan / Deposits(x)
1.60  
2.14  
2.37  
2.07  
1.86  
   Credit/Deposits(%)
 
 
 
 
 
   Total Debt/Mcap(x)
NA  
NA  
NA  
NA  
NA  
   Net NPAs (funded) to Net Advances (%)
0.79  
0.79  
1.62  
2.49  
2.95  
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