THE JAMMU & KASHMIR BANK LTD.

NSE : J&KBANKBSE : 532209ISIN CODE : INE168A01041Industry : Bank - PrivateHouse : PSU

BSE94.37-3.01 (-3.09 %)

PREV CLOSE ( ) 97.38

OPEN PRICE ( ) 96.01

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 344018

TODAY'S LOW / HIGH ( )94.00 97.66

52 WK LOW / HIGH ( )82.01 147

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Particulars	Mar2024	Mar2023	Mar2022	Mar2021	Mar2020
Operational & Financial Ratios
Earnings Per Share (Rs)	16.08	11.44	5.30	6.01	-16.59
DPS(Rs)	2.15	0.50	0.00	0.00	0.00
Book NAV/Share(Rs)	99.20	83.52	75.40	81.71	74.99
Margin Ratios
Yield on Advances	11.96	11.37	11.38	12.13	13.12
Yield on Investments
Cost of Liabilities	4.36	3.69	3.50	3.94	4.75
NIM	3.80	3.77	3.46	3.52	3.81
Interest Spread	7.60	7.68	7.88	8.19	8.37
Performance Ratios
ROA(%)	1.18	0.87	0.40	0.38	-1.13
ROE(%)	18.12	15.32	7.84	7.78	-20.82
ROCE(%)	19.45	17.59	9.82	8.58	-10.24
Efficiency Ratios
Cost Income Ratio	62.26	66.25	77.14	64.48	64.87
Core Cost Income Ratio	63.35	66.72	78.62	67.90	65.79
Operating Costs to Assets	2.44	2.50	2.76	2.40	2.51
Capitalisation Ratios
Tier 1 ratio
Tier 2 ratio
CAR
Valuation Parameters
PER(x)	8.33	4.30	6.09	4.28	0.00
PCE(x)	7.46	3.81	4.79	3.22	-0.84
Price/Book(x)	1.35	0.59	0.43	0.31	0.17
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)	7.74	4.28	5.05	2.42	1.96
EV/EBIT(x)	2.10	1.25	1.11	0.79	0.81
EV/CE(x)	1.28	0.69	0.04	0.03	0.03
M Cap / Sales	1.32	0.54	0.38	0.23	0.10
Growth Ratio
Core Operating Income Growth	9.68	21.32	3.72	1.73	9.53
Operating Profit Growth
Net Profit Growth	47.67	137.61	16.02	136.74	-355.12
BVPS Growth	18.77	10.77	-7.73	8.97	-30.59
Advances Growth	13.95	16.88	5.31	3.79	-2.83
EPS Growth(%)	40.54	115.76	-11.67	136.21	-299.13
Liquidity Ratios
Loans/Deposits(x)
Cash / Deposits(x)	0.05	0.06	0.07	0.03	0.03
Investment / Deposits(x)	0.26	0.29	0.29	0.28	0.24
IncLoan / Deposits(x)	2.14	2.37	2.07	1.87	2.07
Credit/Deposits(%)
Total Debt/Mcap(x)
Net NPAs (funded) to Net Advances (%)			2.49	2.95

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THE JAMMU & KASHMIR BANK LTD.

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