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NINE MONTHS RESULTS

Jammu & Kashmir Bank Ltd.
( in Crs.)

ParticularsDec 23Dec 22Dec 21Dec 20Dec 19
Interest Earned     
Int. /Disc. on Adv/Bills6372.035137.464518.044633.694916.53
Income on Investment1693.531511.351242.961291.011198.22
Int. on balances With RBI30.5256.54238.97234.80175.37
Others206.11137.640.560.030.09
Total Interest Earned8302.196842.996000.536159.536290.21
Other Income600.92590.53588.20540.90425.01
Total Income8903.117433.526588.736700.436715.22
      
EXPENDITURE     
Interest Expended4404.623347.263064.803306.173570.77
Employee Cost2087.621982.951821.611514.381396.33
Other Expenses797.82694.42661.43583.00605.21
Total Expenses7290.066024.635547.845403.555572.31
      
Operating Profit Before Provisions And Contingencies1613.051408.891040.891296.881142.91
Provisions And Contingencies57.36249.34416.711048.902004.61
P/L Before Tax1555.691159.55624.18247.98-861.70
Tax427.09438.50234.82131.61-16.39
P/L After Tax from Ordinary Activities1128.60721.05389.36116.37-845.31
Net Profit/Loss For the Period1128.60721.05389.36116.37-845.31
      
Equity Share Capital110.1396.1693.3071.3655.70
      
ANALYTICAL RATIOS     
(%) of Share by Govt.59.4068.0370.1268.1859.23
EPS Before Extra Ordinary *     
Basic EPS (Rs.)10.917.504.881.63-15.18
Diluted EPS (Rs.)10.917.504.881.63-15.18
EPS After Extra Ordinary *     
Basic EPS (Rs.) 10.917.504.881.63-15.18
Diluted EPS (Rs.) 10.917.504.881.63-15.18
      
NPA Ratios:     
Gross NPA4526.485945.976508.806196.067711.60
Net NPA740.831613.612067.761664.322810.32
(%) of Gross NPA4.847.258.938.7111.10
(%) of Net NPA0.832.083.022.504.36
Return on Assets %1.080.720.430.14-1.10
      
OPBPC Margin (%)19.4220.5817.3421.0518.16
PBT Margin (%)18.7316.9410.404.02-13.69
PAT Margin (%)13.5910.536.481.88-13.43
ParticularsDec 23
Interest Earned 
Int. /Disc. on Adv/Bills6372.03
Income on Investment1693.53
Int. on balances With RBI30.52
Others206.11
Total Interest Earned8302.19
Other Income600.92
Total Income8903.11
  
EXPENDITURE 
Interest Expended4404.62
Employee Cost2087.62
Other Expenses797.82
Total Expenses7290.06
Operating Profit Before Provisions And Contingencies1613.05
Provisions And Contingencies57.36
P/L Before Tax1555.69
Tax427.09
P/L After Tax from Ordinary Activities1128.60
Net Profit/Loss For the Period1128.60
Equity Share Capital110.13
ANALYTICAL RATIOS 
(%) of Share by Govt.59.40
EPS Before Extra Ordinary * 
Basic EPS (Rs.)10.91
Diluted EPS (Rs.)10.91
EPS After Extra Ordinary * 
Basic EPS (Rs.) 10.91
Diluted EPS (Rs.) 10.91
NPA Ratios: 
Gross NPA4526.48
Net NPA740.83
(%) of Gross NPA4.84
(%) of Net NPA0.83
Return on Assets %1.08
OPBPC Margin (%)19.42
PBT Margin (%)18.73
PAT Margin (%)13.59