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NINE MONTHS RESULTS

Jammu & Kashmir Bank Ltd.

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May 06, 04:01 BSE 93.28 ( -3.13 -3.25%)

Volume634418

Prev. Close
96.41

Open Price
98.39

Today's Low / High

92.85 98.39

Bid. Price (Qty.)0.00 (0)

Offer Price (Qty.)
0.00 (0)

52 Wk Low / High

82.01 147.00

May 06, 03:59 NSE 93.20( -3.15 -3.27%)

Volume4153642

Prev. Close
96.35

Open Price
97.13

Today's Low / High

92.80 97.53

Bid Price (Qty.)0.00 (0)

Offer Price (Qty.) 93.20 (26891)

52 Wk Low / High

86.61 147.20

Standalone

(₹ in Crs.)

Particulars	Dec 24	Dec 23	Dec 22	Dec 21	Dec 20
Interest Earned
Int. /Disc. on Adv/Bills	7038.85	6372.03	5137.46	4518.04	4633.69
Income on Investment	1955.28	1693.53	1511.35	1242.96	1291.01
Int. on balances With RBI	33.25	30.52	56.54	238.97	234.80
Others	296.63	206.11	137.64	0.56	0.03
Total Interest Earned	9324.01	8302.19	6842.99	6000.53	6159.53
Other Income	732.50	600.92	590.53	588.20	540.90
Total Income	10056.51	8903.11	7433.52	6588.73	6700.43

EXPENDITURE
Interest Expended	5010.18	4404.62	3347.26	3064.80	3306.17
Employee Cost	2048.63	2087.62	1982.95	1821.61	1514.38
Other Expenses	867.93	797.82	694.42	661.43	583.00
Total Expenses	7926.74	7290.06	6024.63	5547.84	5403.55

Operating Profit Before Provisions And Contingencies	2129.77	1613.05	1408.89	1040.89	1296.88
Provisions And Contingencies	5.25	57.36	249.34	416.71	1048.90
P/L Before Tax	2124.52	1555.69	1159.55	624.18	247.98
Tax	626.60	427.09	438.50	234.82	131.61
P/L After Tax from Ordinary Activities	1497.92	1128.60	721.05	389.36	116.37
Net Profit/Loss For the Period	1497.92	1128.60	721.05	389.36	116.37

Equity Share Capital	110.13	110.13	96.16	93.30	71.36

ANALYTICAL RATIOS
(%) of Share by Govt.	59.40	59.40	68.03	70.12	68.18
EPS Before Extra Ordinary *
Basic EPS (Rs.)	13.60	10.91	7.50	4.88	1.63
Diluted EPS (Rs.)	13.60	10.91	7.50	4.88	1.63
EPS After Extra Ordinary *
Basic EPS (Rs.)	13.60	10.91	7.50	4.88	1.63
Diluted EPS (Rs.)	13.60	10.91	7.50	4.88	1.63

NPA Ratios:
Gross NPA	4041.04	4526.48	5945.97	6508.80	6196.06
Net NPA	898.08	740.83	1613.61	2067.76	1664.32
(%) of Gross NPA	4.08	4.84	7.25	8.93	8.71
(%) of Net NPA	0.94	0.83	2.08	3.02	2.50
Return on Assets %	1.28	1.08	0.72	0.43	0.14

OPBPC Margin (%)	22.84	19.42	20.58	17.34	21.05
PBT Margin (%)	22.78	18.73	16.94	10.40	4.02
PAT Margin (%)	16.06	13.59	10.53	6.48	1.88

Particulars	Dec 24
Interest Earned
Int. /Disc. on Adv/Bills	7038.85
Income on Investment	1955.28
Int. on balances With RBI	33.25
Others	296.63
Total Interest Earned	9324.01
Other Income	732.50
Total Income	10056.51

EXPENDITURE
Interest Expended	5010.18
Employee Cost	2048.63
Other Expenses	867.93
Total Expenses	7926.74
Operating Profit Before Provisions And Contingencies	2129.77
Provisions And Contingencies	5.25
P/L Before Tax	2124.52
Tax	626.60
P/L After Tax from Ordinary Activities	1497.92
Net Profit/Loss For the Period	1497.92
Equity Share Capital	110.13
ANALYTICAL RATIOS
(%) of Share by Govt.	59.40
EPS Before Extra Ordinary *
Basic EPS (Rs.)	13.60
Diluted EPS (Rs.)	13.60
EPS After Extra Ordinary *
Basic EPS (Rs.)	13.60
Diluted EPS (Rs.)	13.60
NPA Ratios:
Gross NPA	4041.04
Net NPA	898.08
(%) of Gross NPA	4.08
(%) of Net NPA	0.94
Return on Assets %	1.28
OPBPC Margin (%)	22.84
PBT Margin (%)	22.78
PAT Margin (%)	16.06