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The Jammu & Kashmir Bank Ltd.
 
BSE Code 532209
ISIN Demat INE168A01041
Book Value 111.11
NSE Code J&KBANK
Dividend Yield(%) 1.66
Market Cap(Million) 143043.60
P/E(X) 8.09
EPS(Rs.) 16.05
Face Value(Rs.) 1  
Particulars Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Operational & Financial Ratios          
   Earnings Per Share (Rs)11.61  5.38  6.06  -15.97  8.35  
   DPS(Rs)0.50  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)83.98  75.72  82.04  75.65  108.11  
Margin Ratios          
   Yield on Advances11.37  11.38  12.13  13.12  11.58  
   Yield on Investments6.09  5.32  6.44  7.33  7.54  
   Cost of Liabilities3.69  3.50  3.94  4.75  4.65  
   NIM3.77  3.46  3.52  3.81  3.55  
   Interest Spread7.68  7.88  8.19  8.37  6.93  
Performance Ratios          
   ROA(%)0.87  0.40  0.38  -1.08  0.49  
   ROE(%)15.23  7.77  7.68  -19.96  8.04  
   ROCE(%)17.52  9.76  8.51  -9.71  10.94  
Efficiency Ratios          
   Cost Income Ratio66.22  77.18  64.50  64.14  59.06  
   Core Cost Income Ratio66.70  78.66  67.93  65.04  62.21  
   Operating Costs to Assets2.50  2.75  2.39  2.51  2.44  
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)4.23  6.01  4.24  0.00  6.44  
   PCE(x)3.74  4.67  3.24  -0.87  5.26  
   Price/Book(x)0.59  0.43  0.31  0.16  0.50  
   Yield(%)1.02  0.00  0.00  0.00  0.00  
   EV/Net Sales(x)0.85  0.67  0.47  0.34  0.73  
   EV/Core EBITDA(x)4.28  5.07  2.43  1.90  3.27  
   EV/EBIT(x)1.25  1.11  0.79  0.80  1.13  
   EV/CE(x)0.05  0.04  0.03  0.03  0.06  
   M Cap / Sales0.54  0.38  0.23  0.10  0.39  
Growth Ratio          
   Core Operating Income Growth21.32  3.72  1.73  9.54  17.87  
   Operating Profit Growth15.90  11.74  34.82  -60.79  -0.06  
   Net Profit Growth138.73  16.07  137.93  -345.10  129.32  
   BVPS Growth10.90  -7.70  8.44  -30.02  8.65  
   Advances Growth16.88  5.32  3.79  -2.83  16.44  
   EPS Growth(%)115.91  -11.23  137.93  -291.30  129.32  
Liquidity Ratios          
   Loans/Deposits(x)0.02  0.02  0.02  0.02  0.03  
   Cash / Deposits(x)0.06  0.07  0.03  0.03  0.05  
   Investment / Deposits(x)0.29  0.29  0.29  0.24  0.26  
   IncLoan / Deposits(x)2.37  2.07  1.86  2.07  2.93  
   Credit/Deposits(%)67.43  61.37  61.86  65.86  73.93  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)1.62  2.49  2.95  3.48  4.89