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Financials Ratios
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The Jammu & Kashmir Bank Ltd.
BSE CODE: 532209   |   NSE CODE: J&KBANK   |   ISIN CODE : INE168A01041   |   30-Apr-2025 Hrs IST
BSE NSE
Rs. 94.37
-3.01 ( -3.09% )
 
Prev Close ( Rs.)
97.38
Open ( Rs.)
96.01
 
High ( Rs.)
97.66
Low ( Rs.)
94.00
 
Volume
344018
Week Avg.Volume
776918
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 94.38
-2.88 ( -2.96% )
 
Prev Close ( Rs.)
97.26
Open ( Rs.)
97.02
 
High ( Rs.)
97.74
Low ( Rs.)
94.00
 
Volume
3457783
Week Avg.Volume
10588615
 
52 WK High-Low Range(Rs.)
86.61
147.2
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Operational & Financial Ratios          
   Earnings Per Share (Rs)16.05  11.61  5.38  6.06  -15.97  
   DPS(Rs)2.15  0.50  0.00  0.00  0.00  
   Book NAV/Share(Rs)99.59  83.98  75.72  82.04  75.65  
Margin Ratios          
   Yield on Advances11.96  11.37  11.38  12.13  13.12  
   Yield on Investments6.64  6.09  5.32  6.44  7.33  
   Cost of Liabilities4.36  3.69  3.50  3.94  4.75  
   NIM3.80  3.77  3.46  3.52  3.81  
   Interest Spread7.59  7.68  7.88  8.19  8.37  
Performance Ratios          
   ROA(%)1.18  0.87  0.40  0.38  -1.08  
   ROE(%)18.01  15.23  7.77  7.68  -19.96  
   ROCE(%)19.37  17.52  9.76  8.51  -9.71  
Efficiency Ratios          
   Cost Income Ratio62.24  66.22  77.18  64.50  64.14  
   Core Cost Income Ratio63.32  66.70  78.66  67.93  65.04  
   Operating Costs to Assets2.43  2.50  2.75  2.39  2.51  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)8.35  4.23  6.01  4.24  0.00  
   PCE(x)7.43  3.74  4.67  3.24  -0.87  
   Price/Book(x)1.35  0.59  0.43  0.31  0.16  
   Yield(%)1.60  1.02  0.00  0.00  0.00  
   EV/Net Sales(x)1.57  0.85  0.67  0.47  0.34  
   EV/Core EBITDA(x)7.75  4.28  5.07  2.43  1.90  
   EV/EBIT(x)2.10  1.25  1.11  0.79  0.80  
   EV/CE(x)1.27  0.69  0.57  0.03  0.03  
   M Cap / Sales1.32  0.54  0.38  0.23  0.10  
Growth Ratio          
   Core Operating Income Growth9.66  21.32  3.72  1.73  9.54  
   Operating Profit Growth-28.27  15.90  11.74  34.82  -60.79  
   Net Profit Growth47.59  138.73  16.07  137.93  -345.10  
   BVPS Growth18.59  10.90  -7.70  8.44  -30.02  
   Advances Growth13.95  16.88  5.32  3.79  -2.83  
   EPS Growth(%)38.25  115.91  -11.23  137.93  -291.30  
Liquidity Ratios          
   Loans/Deposits(x)0.02  0.02  0.02  0.02  0.02  
   Cash / Deposits(x)0.05  0.06  0.07  0.03  0.03  
   Investment / Deposits(x)0.26  0.29  0.29  0.29  0.24  
   IncLoan / Deposits(x)2.14  2.37  2.07  1.86  2.07  
   Credit/Deposits(%)69.57  67.43  61.37  61.86  65.86  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.79  1.62  2.49  2.95  3.48