JMFINANCIL Financial Statements

JMFINANCIL Annual Results

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Y/e 31 Mar Mar-2022 Mar-2021 Mar-2020 Mar-2018
Growth matrix (%)        
Net interest income 63.20 36.40 213 936
Total op income 66.90 24.40 40.80 70
Op profit (pre-provision) 85.80 37.40 7.15 46.20
Net profit 83.30 35 (0.80) 27.60
Advances (3.90) 229 5.81 (32)
Borrowings 0.18 14.50 285 (84)
Total assets 6.41 34.90 6.45 31.50
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc 9.64 7.60 15.80 62.10
Return on Avg Equity 9.24 6.01 5.34 6.46
Return on Avg Assets 8.83 5.71 5.12 6.05
Per share ratios ()        
EPS 3.44 1.84 1.51 2.29
Adj.BVPS -- -- -- --
DPS 1.65 0.50 0.20 1.80
Other key ratios (%)        
Loans/Borrowings 402 419 146 530
Cost/Income 136 108 238 319
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate 0.26 0.23 0.22 0.10
Dividend yield 2.44 0.59 0.31 1.40
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Y/e 31 Mar ( In .Cr) Mar-2022 Mar-2021 Mar-2020 Mar-2018
Interest income 561 347 257 114
Interest expense (6.80) (7.20) (7.80) (35)
Net interest income 554 339 249 79.50
Non-interest income 59.10 27.90 46.50 130
Total op income 613 367 295 210
Total op expenses (188) (138) (129) (54)
Op profit (pre-prov) 425 229 167 155
Provisions (2.40) (4.80) (2.30) (6)
Exceptionals -- -- -- --
Profit before tax 423 224 164 150
Taxes (88) (42) (29) (13)
Net profit 335 182 135 136
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Y/e 31 Mar ( In .Cr) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Equity Capital 95.40 95.30 84.10 84
Reserves 3,641 3,408 2,489 2,398
Net worth 3,737 3,503 2,573 2,482
Long-term borrowings 66 71.80 0.72 1.29
Other Long-term liabilities -- -- -- --
Long term provisions -- -- -- --
Total Non-current liabilities 66 71.80 0.72 1.29
Short Term Borrowings -- -- -- --
Trade payables 9.05 5.03 3.72 3.03
Other current liabilities 85.90 79.90 132 34.50
Short term provisions 9.66 12.10 11.30 10.80
Total Current liabilities 105 97 147 48.20
Total Equities and Liabilities 3,907 3,672 2,721 2,531
Fixed Assets 60.60 68.80 77.10 5.27
Non-current investments 3,251 3,021 2,528 2,389
Deferred tax assets (Net) (130) (119) (122) (126)
Long-term loans and advances 439 450 -- 36
Other non-current assets -- -- -- --
Total Non-current assets 3,621 3,421 2,483 2,304
Current investments -- -- -- --
Trade receivables 28.40 49.90 22.40 10
Cash and cash equivalents 86 15.10 21.90 15.30
Short-term loans and advances 172 186 193 202
Other current assets -- -- -- --
Total Current assets 287 251 238 227
Total Assets 3,907 3,672 2,721 2,531
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Particulars ( Rupees In Crores.) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Gross Sales 561 347 257 150
Excise Duty -- -- -- --
Net Sales 561 347 257 150
Other Operating Income -- -- -- --
Other Income 59.10 27.90 46.50 121
Total Income 620 374 303 271
Total Expenditure ** 186 138 127 133
PBIDT 433 236 176 137
Interest 6.76 7.24 7.81 19.60
PBDT 427 229 169 118
Depreciation 10.70 11.90 12.20 1.86
Tax 77.50 42.50 32.30 6.99
Fringe Benefit Tax -- -- -- --
Deferred Tax 10.60 (0.90) (3.10) (2.60)
Reported Profit After Tax 328 175 127 111
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 328 175 127 111
EPS (Unit Curr.) 3.44 1.88 1.51 1.33
EPS (Adj) (Unit Curr.) 3.44 1.88 1.51 1.33
Calculated EPS (Unit Curr.) 3.44 1.84 1.51 1.33
Calculated EPS (Adj) (Unit Curr.)  3.44 1.84 1.51 1.33
Calculated EPS (Ann.) (Unit Curr.) 3.44 1.84 1.51 1.33
Calculated EPS (Adj) (Ann.) (Unit Curr.)  3.44 1.84 1.51 1.33
Book Value (Unit Curr.) -- -- -- --
Dividend (%) 165 50 20 100
Equity 95.40 95.30 84.10 84
Reserve & Surplus 3,641 3,408 2,489 2,398
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity)  -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 77.30 68.10 68.80 91.60
PBDTM(%) 76.10 66 65.70 78.50
PATM(%) 58.50 50.60 49.60 74.40
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