Jammu and Kashmir Bank Financial Statements

Jammu and Kashmir Bank Annually Results

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income (7.30) 2.23 (1.30) 15.90
Total op income (6.50) (0.90) 5.53 9.82
Op profit (pre-provision) (22) (9.10) (3.40) 4.92
Net profit (492) (18) (57) 12.10
Advances (0.80) 12.60 (3.90) 18.30
Deposits 4.43 4.57 (5.10) 7.89
Total assets 2.18 5.71 (3.40) 9.58
Profitability Ratios (%)        
NIM 3.38 2.99 3.81 4.16
Non-int inc/Total inc 16.40 15.70 18.30 12.70
Return on Avg Equity (27) 6.64 8.60 22.30
Return on Avg Assets (2) 0.53 0.66 1.57
Per share ratios ()        
EPS -- 8.22 10.10 23.50
Adj.BVPS -- -- -- --
DPS -- 1.75 2.10 5
Other key ratios (%)        
Credit/Deposits 0.69 0.72 0.67 0.66
Cost/Income 111 110 120 119
CASA 51.70 44.10 41.80 39.10
CAR 10.80 11.80 12.60 12.70
Tier-I capital 8.70 10.60 11.30 11.20
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 5.60 2.06 2.23 0.35
Net NPLs/Net loans -- -- -- --
Tax rate (0.10) 0.66 0.61 0.48
Dividend yield -- 2.88 2.20 32.50
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 6,686 6,844 7,061 6,767
Interest expense (4,174) (4,133) (4,410) (4,083)
Net interest income 2,512 2,710 2,651 2,684
Non-interest income 493 504 594 390
Total op income 3,005 3,214 3,245 3,075
Total op expenses (1,710) (1,546) (1,409) (1,175)
Op profit (pre-prov) 1,294 1,668 1,836 1,900
Provisions (2,800) (976) (1,016) (148)
Exceptionals -- -- -- --
Profit before tax (1,506) 692 820 1,752
Taxes (126) (276) (312) (569)
Net profit (1,632) 416 509 1,182
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 9,498 9,783 5,862 8,253
Investments 30,814 23,052 23,161 18,880
Advances 66,842 64,399 66,272 56,913
Total int-earning assets 107,154 97,234 95,294 84,046
Fixed assets 2,012 2,071 1,675 1,615
Other assets 11,126 9,567 4,438 4,027
Total assets 120,292 108,872 101,406 89,688
Net worth 6,826 6,393 6,626 6,161
Deposits 108,061 97,788 89,639 80,007
Borrowings 2,015 2,020 2,624 1,628
Total int-bearing liabs 110,076 99,808 92,263 81,635
Non-int-bearing liabs 3,390 2,671 2,517 1,892
Total liabilities 113,466 102,479 94,780 83,526
Equity + Total liabilities 120,292 108,872 101,406 89,688
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Particulars ( Rupees In Crores.) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Interest Earned 8,111 8,446 7,676 6,621
Other Income 719 546 813 495
Total Income 8,830 8,992 8,488 7,117
Operating Expenses ** 7,219 7,467 6,770 5,973
Operating Profit Before Prov. & Cont. 1,611 1,525 1,718 1,144
Provisions & Contingencies 1,077 2,625 1,058 1,023
Depreciation -- -- -- --
Provision For Taxes 36.70 71.90 272 (82)
Fringe Benefit Tax  -- -- -- --
Deferred Tax 65.30 (33) (77) --
Net Profit 432 (1,139) 465 203
Extra-ordinary Items -- -- -- (238)
Adjusted Profit After Extra-ordinary item 432 (1,139) 465 441
EPS (Unit Curr.) 6.06 (16) 8.35 3.64
EPS (Adj) (Unit Curr.) 6.06 (16) 8.35 3.64
Calculated EPS (Unit Curr.)  6.06 (16) 8.35 3.64
Calculated EPS (Adj) (Unit Curr.) 6.06 (16) 8.35 3.64
Calculated EPS (Ann.) (Unit Curr.)  6.06 (16) 8.35 3.64
Calculated EPS (Adj) (Ann.) (Unit Curr.)  6.06 (16) 8.35 3.64
Book Value (Unit Curr.) 54.40 44.20 49.90 60.50
Dividend (%) -- -- -- --
Equity 71.40 71.40 55.70 55.70
Reserve & Surplus  6,754 6,322 6,570 6,106
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  227,025,360 227,025,360 227,025,360 227,025,360
Public Shareholding (% in Equity) 31.80 31.80 40.80 40.80
(%) of shares held by GOI 68.20 68.20 59.20 59.20
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares 486,425,578 486,425,578 329,833,032 329,833,032
Non Encumbered - % in Total Promoters Holding 100 100 100 100
Non Encumbered - % in Total Equity 68.20 68.20 59.20 59.20
PBIDTM(%) 60.10 43.10 64.50 58.50
PBDTM(%) 6.58 (13) 8.60 1.83
PATM(%) 5.33 (13) 6.06 3.06
Capital Adequacy Ratio -- 11.40 12.50 --
Tier I Capital -- 9.88 10.60 --
Tier II Capital -- 1.52 1.86 --
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