Nifty
Sensex
:
:
14371.90
48878.54
-218.45(-1.50%)
-746.22(-1.50%)

Bank - Private

Rating :
52/99   (View)

BSE: 532209 | NSE: J&KBANK

28.45
-1.10 (-3.72%)
22-Jan-2021 | 4:00PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 29.75
  • 29.90
  • 28.25
  • 29.55
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  4005858
  •  1139.67
  •  31.80
  •  11.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 2,029.77
  • N/A
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,101.86
  • N/A
  • 0.37

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 68.18%
  • 2.07%
  • 19.99%
  • FII
  • DII
  • Others
  • 5.85%
  • 0.12%
  • 3.79%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.15
  • 6.46
  • 8.89

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 34.18

PAT CAGR (%)

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

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 6.20
  • 4.54
  • 3.59

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.75
  • 0.52
  • 0.45

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.85
  • 0.93
  • -0.77

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 20
Sep 19
Var%
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Interest Earned
2,044.84
2,150.78
-4.93%
2,038.32
2,072.06
-1.63%
2,156.08
2,069.90
4.16%
2,067.37
2,002.72
3.23%
Interest Exp.
1,100.85
1,208.07
-8.88%
1,133.88
1,169.77
-3.07%
1,168.80
1,138.13
2.69%
1,192.60
1,120.83
6.40%
Net Interest Income
943.99
942.71
0.14%
904.44
902.29
0.24%
987.28
931.77
5.96%
874.77
881.89
-0.81%
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
152.40
112.88
35.01%
122.19
185.36
-34.08%
122.50
408.42
-70.01%
129.63
167.05
-22.40%
Total Income
2,197.24
2,263.66
-2.93%
2,160.51
2,257.42
-4.29%
2,278.58
2,478.32
-8.06%
2,197.00
2,169.77
1.25%
Operating Exp.
691.77
659.96
4.82%
695.11
677.84
2.55%
727.36
740.63
-1.79%
669.41
624.95
7.11%
Operating Profit
404.62
395.63
2.27%
331.52
409.81
-19.10%
382.42
599.56
-36.22%
334.99
423.99
-20.99%
Provision
324.91
1,428.17
-77.25%
266.37
293.21
-9.15%
620.49
377.95
64.17%
283.23
252.83
12.02%
PBT
79.71
-1,032.54
-
65.15
116.60
-44.13%
-238.07
221.61
-
51.76
171.15
-69.76%
PBTM
3.90
-48.01
-
3.20
5.63
-43.16%
-11.04
10.71
-
2.50
8.55
-70.76%
TAX
35.32
-114.54
-
57.85
95.45
-39.39%
55.75
7.85
610.19%
2.70
68.35
-96.05%
PAT
44.39
-918.00
-
7.30
21.15
-65.48%
-293.82
213.76
-
49.06
102.80
-52.28%
PATM
2.17%
-42.68%
0.36%
1.02%
-13.63%
10.33%
2.37%
5.13%
EPS
0.62
-12.87
-
0.10
0.30
-66.67%
-4.12
3.00
-
0.69
1.44
-52.08%
Gross NPA
6,317.09
7,473.29
-15.47%
7,607.32
6,030.84
26.14%
7,671.63
6,221.35
23.31%
7,711.80
6,859.73
12.42%
Gross NPA%
8.87
10.64
-16.64%
10.73
8.48
26.53%
10.97
8.97
22.30%
11.10
9.94
11.67%
Net NPA
2,023.32
2,942.04
-31.23%
1,986.00
2,962.30
-32.96%
2,243.82
3,239.61
-30.74%
2,810.32
3,049.18
-7.83%
Net NPA%
3.03
4.48
-32.37%
3.05
4.36
-30.05%
3.48
4.89
-28.83%
4.36
4.69
-7.04%
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 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Interest Income
3,710.48
3,707.05
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
Interest Earned
8,306.61
8,446.29
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
Interest Expended
4,596.13
4,739.24
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
Int. income Growth
1.42%
9.53%
17.87%
14.26%
-7.32%
2.22%
-1.21%
15.90%
25.99%
19.10%
 
Other Income
526.72
508.60
817.48
500.84
497.27
508.71
599.04
393.21
485.29
335.03
364.76
Total Income
8,833.33
4,215.65
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
Total Expenditure
2,783.65
5,234.00
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
Employee Cost
-
1,890.64
1,650.11
1,290.62
1,126.35
1,025.19
897.56
747.13
654.16
522.67
523.61
% Of Sales
-
22.38%
21.50%
19.49%
16.85%
14.98%
12.71%
11.04%
10.66%
10.81%
14.10%
Opt. & Establishment Exp.
-
969.60
939.20
796.26
675.36
593.45
613.34
511.68
387.18
325.07
273.33
% Of Sales
-
11.48%
12.24%
12.03%
10.10%
8.67%
8.69%
7.56%
6.31%
6.72%
7.36%
Provisions
-
2,625.10
1,058.17
1,260.92
2,800.30
976.23
1,015.47
147.21
284.09
169.16
215.15
% Of Sales
-
31.08%
13.79%
19.04%
41.88%
14.26%
14.38%
2.18%
4.63%
3.50%
5.79%
EBITDA
1,453.55
-1,018.35
762.97
217.61
-1,421.39
753.77
915.17
1,828.66
1,576.17
1,244.89
972.45
EBITDA Margin
66.49%
-27.47%
22.54%
7.58%
-56.57%
27.80%
34.50%
68.10%
68.03%
67.70%
62.99%
Depreciation
0.00
125.67
104.27
96.68
85.28
64.28
94.98
78.18
49.79
43.96
37.93
PBT
-41.45
-1,144.03
658.70
120.93
-1,506.67
689.49
820.19
1,750.49
1,526.38
1,200.93
934.52
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
151.62
39.36
194.85
-81.76
126.32
275.65
311.71
569.41
471.49
397.85
319.19
Tax Rate
-365.79%
-3.44%
29.58%
-67.61%
-8.38%
39.98%
38.00%
32.53%
30.89%
33.13%
34.16%
PAT
-193.07
-1,183.39
463.85
202.69
-1,632.99
413.84
508.48
1,181.08
1,054.89
803.08
615.33
PAT before Minority Interest
-193.07
-1,183.39
463.85
202.69
-1,632.99
413.84
508.48
1,181.08
1,054.89
803.08
615.33
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
-4.56%
-28.07%
11.04%
6.01%
-54.25%
12.85%
15.64%
38.37%
37.65%
36.94%
32.24%
PAT Growth
-66.73%
-355.12%
128.85%
0
-494.59%
-18.61%
-56.95%
11.96%
31.36%
30.51%
 
Unadjusted EPS
-2.71
-16.59
6.50
2.84
-22.89
5.80
7.13
16.55
14.78
11.26
8.62

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Shareholder's Funds
6,345.85
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
Share Capital
71.36
55.70
55.70
52.15
48.49
48.49
48.49
48.49
48.49
48.49
Total Reserves
6,274.49
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
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
97,785.83
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
Borrowings
2,019.58
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
Other Liabilities & Provisions
2,677.89
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
Total Liabilities
108,829.15
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
Net Block
2,036.32
1,646.36
1,598.33
1,479.35
705.66
655.40
507.85
444.00
415.09
391.64
Gross Block
3,159.14
2,646.19
2,497.28
2,285.62
1,430.01
1,318.61
1,076.21
934.21
855.52
788.10
Accumulated Depreciation
1,122.82
999.83
898.95
806.27
724.35
663.20
568.37
490.21
440.42
396.47
Total Non-Current Assets
99,253.28
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
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
34.82
28.96
16.55
64.34
58.60
34.16
27.29
12.68
5.18
2.13
Cash and balance with RBI
2,947.48
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
Balance with banks and money at call
6,845.12
997.34
3,931.68
1,801.83
77.47
1,362.09
1,170.01
2,709.28
1,670.22
573.85
Investments
22,990.47
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
Advances
64,399.07
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
Other Assets
9,575.87
4,445.19
4,036.74
3,988.64
5,758.16
4,159.67
1,292.41
942.37
692.89
675.99
Total Assets
108,829.15
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
Contingent Liabilities
5,756.78
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
Bills for collection
1,160.77
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
Adjusted Book Value
74.99
108.03
99.44
96.64
132.45
126.00
11.80
100.35
84.44
71.76

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Cash From Operating Activity
4,373.94
-2,991.71
2,362.68
2,457.10
-218.95
118.06
-682.73
1,279.51
1,176.50
-659.09
PBT
-1,144.03
658.69
120.93
-1,506.68
689.49
820.13
1,749.81
1,526.30
1,200.87
934.58
Adjustment
2,989.73
1,393.83
1,467.16
2,937.27
1,091.38
1,164.51
280.07
387.96
267.18
307.03
Adjustments for Liabilities & Assets
2,661.02
-5,008.48
955.79
1,098.57
-1,605.78
-1,525.80
-2,104.07
-100.85
110.80
-1,581.98
Refund/(Payment) of direct taxes
-132.78
-35.76
-181.20
-72.07
-394.04
-340.78
-608.54
-533.91
-402.35
-318.71
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
-114.69
-164.64
-163.87
-861.35
-135.84
-260.93
-168.51
-86.20
-70.46
-227.56
Net Fixed Assets
-518.61
-160.87
-163.82
-861.32
-135.66
-249.61
-155.48
-85.64
-70.47
-227.56
Other Investment Activity
-3356.35
-2836.97
-3373.58
-2484.25
-1748.02
-1519.94
-1188.02
-1016.80
-1088.26
-831.88
Cash from Financing Activity
-338.95
768.61
668.43
592.85
-176.15
-337.58
-337.58
-242.76
-200.98
-178.78
Closing Cash & Equivalent
9,792.60
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
Net Cash Inflow / Outflow
3,920.29
-2,387.74
2,867.24
2,188.60
-530.94
-480.45
-1,188.82
950.55
905.06
-1,065.43
Opening Cash & Equivalents
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Book Value
74.99
108.03
99.44
96.64
132.45
126.00
11.80
100.35
84.44
71.76
NIM
3.81
3.55
3.42
3.29
3.68
3.73
3.50
3.29
3.11
3.12
Yield on Advances
13.12
11.58
11.63
13.42
13.63
15.84
14.59
15.66
14.62
14.18
Yield on Investments
7.35
7.55
7.79
9.02
8.82
8.15
6.65
7.23
6.66
5.88
Cost of Liabilities
4.75
4.65
4.59
5.66
5.77
6.48
5.74
5.85
5.49
4.74
Interest Spread
8.37
6.93
7.04
7.76
7.86
9.36
8.85
9.80
9.13
9.44
ROCE
-10.24%
10.94%
3.52%
-18.09%
9.78%
12.87%
27.63%
28.49%
26.14%
23.80%
Cost Income Ratio
64.87
59.14
59.02
57.02
48.27
43.55
38.35
35.39
36.97
39.77
Core Cost Income Ratio
65.79
62.29
59.87
59.74
50.58
45.16
39.16
37.38
37.60
41.79
Operating Costs to Assets
2.51
2.45
2.22
2.09
1.94
1.87
1.50
1.38
1.33
1.50
Loans/Deposits
0.02
0.03
0.02
0.02
0.03
0.04
0.03
0.02
0.02
0.02
Cash/Deposits
0.03
0.05
0.05
0.05
0.05
0.04
0.04
0.04
0.05
0.07
Investment/Deposits
0.24
0.26
0.24
0.29
0.29
0.35
0.38
0.40
0.41
0.44
Inc Loan/Deposits
2.07%
2.93%
2.04%
1.76%
3.23%
3.56%
2.55%
1.67%
2.33%
2.47%
Credit Deposits
65.86%
73.93%
71.14%
68.75%
72.35%
67.83%
66.91%
61.05%
62.01%
58.64%
Interest Expended / Interest earned
56.11%
55.91%
56.64%
62.42%
60.38%
62.43%
60.32%
62.25%
61.97%
58.42%
Interest income / Total funds
7.76%
7.57%
7.38%
8.15%
8.53%
9.30%
8.61%
8.55%
8.02%
7.35%
Interest Expended / Total funds
4.35%
4.23%
4.18%
5.09%
5.15%
5.81%
5.19%
5.33%
4.97%
4.30%
CASA
53.65%
50.70%
50.89%
51.70%
44.13%
41.80%
39.06%
39.23%
40.71%
40.48%

News Update


  • J&K Bank to transfer 8.23% stake of J&K government to UT of Ladakh
    21st Jan 2021, 12:21 PM

    The board decided to give its 'In-principle approval' for implementation of General Administration Department, Govt. of Jammu and Kashmir in terms of which ownership of 8.23 per cent

    Read More
  • J&K Bank - Quarterly Results
    6th Nov 2020, 16:39 PM

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