Jammu and Kashmir Bank Ltd

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Jammu and Kashmir Bank Ltd

₹ 106 0.09%
31 Oct 10:49 a.m.
jkbank.net BSE: 532209 NSE: J&KBANK
About

Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations.[1]
It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level Bankers’ Committee (SLBC/UTLBC) meetings. The Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri.[2]

Key Points

Business Segments H1 FY25
1.Retail Banking: 60%
2.Treasury: 21%
3.Corporate Banking: 19% [1]

Website BSE NSE
  • Market Cap ₹ 11,662 Cr.
  • Current Price ₹ 106
  • High / Low ₹ 117 / 82.0
  • Stock P/E 5.57
  • Book Value ₹ 138
  • Dividend Yield 2.03 %
  • ROCE 6.14 %
  • ROE 15.7 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 0.77 times its book value
  • Company has delivered good profit growth of 30.8% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.7,081 Cr.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -8.63%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 500 BSE PSU Nifty 500 BSE SmallCap BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
2,299 2,441 2,512 2,657 2,764 2,881 2,910 2,994 3,124 3,206 3,212 3,268 3,292
Interest 1,095 1,183 1,263 1,374 1,430 1,601 1,604 1,625 1,688 1,697 1,732 1,803 1,858
943 982 791 1,060 980 903 702 951 978 993 1,075 1,058 955
Financing Profit 261 275 459 223 354 378 604 418 458 516 405 407 479
Financing Margin % 11% 11% 18% 8% 13% 13% 21% 14% 15% 16% 13% 12% 15%
146 242 166 228 190 182 225 194 296 242 404 250 155
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 406 517 625 451 544 560 829 612 754 758 809 658 634
Tax % 40% 40% 24% 28% 30% 25% 23% 32% 27% 30% 28% 26% 22%
243 312 476 326 381 421 639 415 551 532 585 485 494
EPS in Rs 2.53 3.24 4.62 3.16 3.69 3.82 5.80 3.77 5.00 4.83 5.31 4.40 4.49
Gross NPA % 7.67% 7.25% 6.04% 5.77% 5.26% 4.84% 4.08% 3.91% 3.95% 4.08% 3.37% 3.50% 3.32%
Net NPA % 2.10% 2.08% 1.62% 1.39% 1.04% 0.83% 0.79% 0.76% 0.85% 0.94% 0.79% 0.82% 0.76%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
6,767 7,061 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355 11,212 12,536 12,978
Interest 4,083 4,410 4,133 4,174 3,751 4,292 4,740 4,340 4,102 4,610 6,009 6,742 7,090
1,245 2,330 2,458 4,426 3,149 3,433 5,227 3,795 3,769 3,560 3,427 3,829 4,082
Financing Profit 1,439 321 252 -1,914 -278 -49 -1,521 -24 143 1,185 1,777 1,965 1,807
Financing Margin % 21% 5% 4% -29% -4% -1% -18% -0% 2% 13% 16% 16% 14%
390 594 504 493 495 813 546 692 744 757 825 1,137 1,052
Depreciation 78 94 64 85 97 104 125 134 144 158 218 168 0
Profit before tax 1,752 820 692 -1,506 121 660 -1,100 534 743 1,784 2,385 2,934 2,858
Tax % 32% 38% 40% 8% -68% 30% 4% 19% 32% 33% 26% 29%
1,182 509 416 -1,632 203 465 -1,139 432 502 1,197 1,767 2,082 2,095
EPS in Rs 24.39 10.49 8.58 -31.31 3.64 8.35 -15.97 6.06 5.38 11.61 16.05 18.91 19.03
Dividend Payout % 20% 20% 20% 0% 0% 0% 0% 0% 0% 4% 13% 11%
Compounded Sales Growth
10 Years: 6%
5 Years: 8%
3 Years: 16%
TTM: 9%
Compounded Profit Growth
10 Years: 15%
5 Years: 31%
3 Years: 61%
TTM: 3%
Stock Price CAGR
10 Years: 2%
5 Years: 49%
3 Years: 38%
1 Year: 5%
Return on Equity
10 Years: 5%
5 Years: 13%
3 Years: 15%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 48 48 48 52 56 56 71 71 93 103 110 110 110
Reserves 5,675 6,062 6,375 5,624 6,106 6,570 6,322 6,754 8,014 9,840 12,126 14,142 15,070
Deposits 69,936 66,356 69,390 72,463 80,006 89,639 97,788 108,061 114,710 122,038 134,776 148,569 152,030
Borrowing 1,165 1,740 2,240 1,276 1,628 2,624 2,020 2,015 2,371 2,892 2,885 2,383 2,382
1,795 1,725 2,214 2,603 1,892 2,517 2,671 3,390 5,414 11,089 4,630 4,264 5,278
Total Liabilities 78,620 75,931 80,268 82,019 89,688 101,406 108,872 120,292 130,602 145,962 154,527 169,468 174,870
507 655 705 1,479 1,598 1,646 2,036 1,971 1,907 2,224 2,208 2,126 2,187
CWIP 27 34 59 64 17 29 35 41 46 47 50 66 0
Investments 26,195 22,760 20,354 21,291 18,880 23,160 23,052 30,814 33,835 34,829 34,987 41,213 44,502
51,891 52,482 59,151 59,184 69,193 76,571 83,749 87,465 94,814 108,862 117,282 126,065 128,182
Total Assets 78,620 75,931 80,268 82,019 89,688 101,406 108,872 120,292 130,602 145,962 154,527 169,468 174,870

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-685 129 -219 2,451 2,362 -2,995 4,374 -11 -1,568 -421 -851 2,718
-167 -271 -136 -861 -164 -164 -114 -76 -85 -123 -257 -102
-338 -338 -176 593 668 769 -339 -199 941 638 407 -1,034
Net Cash Flow -1,190 -480 -531 2,183 2,867 -2,391 3,921 -285 -713 94 -701 1,582

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 22% 9% 7% -27% 3% 7% -18% 7% 7% 13% 16% 16%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
68.03% 63.41% 63.41% 63.41% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40% 59.40%
1.96% 2.24% 2.19% 2.61% 5.80% 6.99% 7.16% 6.47% 7.07% 7.64% 8.01% 7.85%
2.78% 2.66% 2.43% 4.92% 7.81% 7.90% 6.74% 6.41% 6.82% 6.69% 5.87% 5.76%
27.23% 31.69% 31.96% 29.06% 26.98% 25.71% 26.70% 27.72% 26.70% 26.26% 26.72% 26.98%
No. of Shareholders 1,69,5581,72,0741,72,1711,88,6092,04,1932,15,2942,54,6452,78,0502,82,7432,80,1872,65,9682,61,978

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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