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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   |   14-Aug-2025 Hrs IST
BSE NSE
Rs. 104.15
0.4 ( 0.39% )
 
Prev Close ( Rs.)
103.75
Open ( Rs.)
104.05
 
High ( Rs.)
105.00
Low ( Rs.)
103.50
 
Volume
134983
Week Avg.Volume
138585
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 104.03
0.34 ( 0.33% )
 
Prev Close ( Rs.)
103.69
Open ( Rs.)
104.56
 
High ( Rs.)
105.03
Low ( Rs.)
103.52
 
Volume
1062916
Week Avg.Volume
1590857
 
52 WK High-Low Range(Rs.)
86.61
117.25
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 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 Advances12.03  11.96  11.37  11.38  12.13  
   Yield on Investments6.73  6.64  6.09  5.32  6.44  
   Cost of Liabilities4.47  4.36  3.69  3.50  3.94  
   NIM3.73  3.80  3.77  3.46  3.52  
   Interest Spread7.56  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 Ratio57.73  62.24  66.22  77.18  64.50  
   Core Cost Income Ratio58.18  63.32  66.70  78.66  67.93  
   Operating Costs to Assets2.36  2.43  2.50  2.75  2.39  
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)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 / Sales0.81  1.32  0.54  0.38  0.23  
Growth Ratio          
   Core Operating Income Growth11.34  9.66  21.32  3.72  1.73  
   Operating Profit Growth-5.08  -28.27  15.90  11.74  34.82  
   Net Profit Growth17.84  47.59  138.73  16.07  137.93  
   BVPS Growth18.66  18.59  10.90  -7.70  8.44  
   Advances Growth11.13  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)0.02  0.02  0.02  0.02  0.02  
   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(%)70.13  69.57  67.43  61.37  61.86  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.79  0.79  1.62  2.49  2.95