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JAMMU & KASHMIR BANK LTD.
Sector : Banks


BSE  16.05   0.05   (0.31%)   BSE Code : 532209   NSE Code : J&KBANK

PREV. CLOSE
16.0
OPEN PRICE
16.05
CLOSE PRICE
16.05
VOLUME
153618
TODAY's LOW
16.0
TODAY's HIGH
16.25




Important Levels
Pivot Points - 16.1
Resistance 1 16.2
Resistance 2 16.35
Support 1 15.95
Support 2 15.85

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
05/08/2020 16.05 16.25 16.0 16.05 0.31 153618
04/08/2020 16.2 16.3 15.9 16.05 0.31 216997
03/08/2020 16.35 16.35 15.6 16.05 7 186993
31/07/2020 15.95 16.05 15.6 15.75 5 162216
30/07/2020 16.2 16.3 15.6 15.95 -0.31 256812
29/07/2020 15.1 16.25 15.1 16.2 8 721094
27/07/2020 16.55 16.65 15.85 16.05 0.31 377162
24/07/2020 16.75 16.75 16.4 16.65 4.06 213322
23/07/2020 17.1 17.15 16.5 16.75 4.69 422951
22/07/2020 17.4 17.4 16.6 16.7 4.38 171038

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 434.85 425.8 479.05 418.0 447.3
Gain / Loss % 1.6 2.13 -9.23 4.03 -2.78
BANK OF BARODA Price 46.4 46.0 48.7 49.05 50.75
Gain / Loss % 0.87 0.87 -4.72 -5.4 -8.57
BANK OF INDIA Price 48.3 46.4 48.5 46.7 49.55
Gain / Loss % 0.62 4.09 -0.41 3.43 -2.52
BANK OF MAHARASHTRA Price 11.88 12.11 11.62 10.95 10.91
Gain / Loss % 8 -1.9 2.24 8.49 8.89
CANARA BANK Price 103.15 99.3 102.05 100.75 104.4
Gain / Loss % -0.82 3.88 1.08 2.38 -1.2
CENTRAL BANK OF INDIA Price 17.5 18.5 17.85 16.65 17.45
Gain / Loss % 2.94 -5.41 -1.96 5.11 0.29
CITY UNION BANK LTD. Price 116.2 122.75 124.35 124.85 130.85
Gain / Loss % -0.68 -5.34 -6.55 -6.93 -11.2
DEVELOPMENT CREDIT BANK LTD. Price 81.8 77.9 81.4 79.85 87.3
Gain / Loss % 2.25 5.01 0.49 2.44 -6.3
Dhanlaxmi Bank Limited Price 12.29 12.67 12.98 13.05 13.74
Gain / Loss % 2.42 -3 -5.32 -5.82 -10.55
FEDERAL BANK LTD. Price 52.35 54.15 56.65 51.1 55.9
Gain / Loss % 0.67 -3.32 -7.59 2.45 -6.35
HDFC BANK LTD. Price 1027.85 1050.45 1126.4 1059.2 1105.0
Gain / Loss % -1.26 -2.15 -8.75 -2.96 -6.98
ICICI BANK LTD. Price 352.2 345.05 381.1 345.6 375.7
Gain / Loss % 0.34 2.07 -7.58 1.91 -6.25
IDBI BANK LTD. Price 38.95 40.55 38.8 39.15 50.45
Gain / Loss % 2.5 -3.95 0.39 -0.51 -22.79
INDIAN BANK Price 58.15 58.25 61.05 61.0 65.1
Gain / Loss % 0.26 -0.17 -4.75 -4.67 -10.68
INDIAN OVERSEAS BANK Price 10.41 10.49 10.92 10.27 10.62
Gain / Loss % 4.1 -0.76 -4.67 1.36 -1.98
INDUSIND BANK LTD. Price 492.85 519.85 513.45 510.85 526.2
Gain / Loss % 0.17 -5.19 -4.01 -3.52 -6.34
JAMMU & KASHMIR BANK LTD. Price 16.05 15.95 16.7 17.3 18.25
Gain / Loss % 0.31 0.63 -3.89 -7.23 -12.05
KARNATAKA BANK LTD. Price 42.05 42.15 45.55 45.45 44.4
Gain / Loss % 0.12 -0.24 -7.68 -7.48 -5.29
KARUR VYSYA BANK LTD. Price 32.95 34.4 31.45 32.65 34.6
Gain / Loss % 2.97 -4.22 4.77 0.92 -4.77
KOTAK MAHINDRA BANK LTD. Price 1333.85 1388.05 1341.8 1298.35 1368.35
Gain / Loss % 0.82 -3.9 -0.59 2.73 -2.52
LAKSHMI VILAS BANK LTD. Price 19.15 20.7 20.4 22.6 23.75
Gain / Loss % 6.39 -7.49 -6.13 -15.27 -19.37
PUNJAB & SIND BANK Price 13.35 13.55 14.1 13.1 13.95
Gain / Loss % 2.69 -1.48 -5.32 1.91 -4.3
PUNJAB NATIONAL BANK Price 32.6 31.75 34.25 33.6 36.75
Gain / Loss % 1.87 2.68 -4.82 -2.98 -11.29
SOUTH INDIAN BANK LTD. Price 6.95 6.94 7.36 7.56 8.04
Gain / Loss % 15.83 0.14 -5.57 -8.07 -13.56
STATE BANK OF INDIA Price 191.5 186.55 192.0 186.1 188.55
Gain / Loss % 0.26 2.65 -0.26 2.9 1.56
UCO BANK Price 13.85 14.18 14.14 13.31 13.94
Gain / Loss % 6.54 -2.33 -2.05 4.06 -0.65
UNION BANK OF INDIA Price 29.35 29.25 30.8 30.4 32.1
Gain / Loss % 1.21 0.34 -4.71 -3.45 -8.57
YES BANK LTD. Price 12.83 11.95 18.25 20.95 25.75
Gain / Loss % 6.92 7.36 -29.7 -38.76 -50.17

Technical Indicators

Simple Moving Average
5 Days 15.97
10 Days 16.22
15 Days 16.48
25 Days 17.17
30 Days 17.29
Exponential Moving Average
5 Days 16.07
10 Days 16.28
12 Days 16.37
20 Days 16.55

MACD
12 Day EMA 16.37
26 Day EMA 16.55
MACD -0.18
Signal Line 0.03
Other Technical Indicators
Non - Smoothed RSI 90.91
Smoothed RSI 86.44
ROC -2.73
William %R -68.33
Upper Bollinger Band 19.32
Lower Bollinger Band 14.79
Middle Bollinger Band 17.06

Technical Analysis
Over Bought by RSI? Yes
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? No
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-15 Mar-14 Mar-13
Liabilities
Share Capital 55.7 52.15 48.49 48.49 48.49
Reserves & Surplus 5485.33 5624.35 6061.56 5675.12 4816.2
Net Worth 6161.21 5676.49 6110.05 5723.61 4864.69
Secured Loans 1628.34 1276.05 2339.67 1765 1075
Unsecured Loans 80006.5 72463.09 65756.19 69335.86 64220.62
TOTAL LIABILITIES 87796.05 79415.64 74205.91 76824.47 70160.31
Assets
Gross Block 1598.04 1478.97 654.75 506.52 456.18
(-) Acc. Depreciation 0 0 0 0 0
Net Block 1598.04 1478.97 654.75 506.52 456.18
Capital Work in Progress. 16.55 64.34 34.16 27.29 0
Investments 18880.03 21290.89 25124.3 26195.07 25741.07
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 8252.88 5385.94 3733.76 4213.9 5404.33
Loans And Advances 60940.11 53798.53 46538.48 47676.95 40141.74
Total Current Assets 69193 59184.47 50272.24 51890.85 45546.07
Current Liabilities 1891.57 2603.04 1879.54 1795.25 1583
Provisions 0 0 0 0 0
Total Current Liabilities 1891.57 2603.04 1879.54 1795.25 1583
NET CURRENT ASSETS 67301.43 56581.43 48392.7 50095.6 43963.07
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 88416.23 79415.64 74205.91 76824.47 70160.31

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 6621.40 6685.80 6843.57 7061.13 6767.00
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 6621.40 6685.80 6843.57 7061.13 6767.00
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 7116.71 7178.66 7347.60 7655.10 7157.27
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 1286.88 1122.54 1019.59 894.03 743.91
Selling Expenses 22.85 15.09 0.00 0.00 0.00
Administrative Expenses 577.94 487.75 462.62 420.52 353.23
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 1260.92 2800.30 976.23 1015.52 147.89
TOTAL EXPENDITURE 3148.59 4425.69 2458.44 2330.07 1245.02
Operating Profit 983.12 886.56 1227.88 1336.36 1587.35
EBITDA 5229.03 5553.27 5865.39 1930.33 1977.61
Depreciation 96.55 85.08 63.99 94.50 77.86
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 5132.48 5468.19 5801.40 1835.83 1899.76
Interest 3750.61 4173.86 4133.48 4410.22 4082.52
EBT 120.96 2667.89 691.68 820.31 1751.87
Taxes -81.76 126.32 275.65 311.71 569.40
Profit and Loss for the Year 202.72 2541.57 416.03 508.60 1182.47
Non Recurring Items 0.00 0.00 0.00 0.00 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -4173.86 0.00 0.00 0.00
REPORTED PAT 202.72 -1632.29 416.03 508.60 1182.47
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 0.00 67.56 81.45 201.20
Equity Dividend (%) 0.00 0.00 139.32 167.97 414.90
Shares in Issue (Lakhs) 5568.58 5213.33 4847.78 4847.78 484.78
EPS - Annualised (Rs) 3.64 -31.31 8.58 10.49 243.92

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-06 2019-03 2018-12 2018-09
INCOME:
Net Sales Turnover 2067.36 2072.06 2069.9 2002.71 1840.06
Other Income 128.66 184.19 403.57 163.51 111.2
TOTAL INCOME 2196.02 2256.25 2473.47 2166.22 1951.26
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 468.13 463.88 495.61 407.79 367.54
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 199.62 211.63 238.62 212.43 192.86
Provisions Made 283.22 293.21 377.95 252.82 172.38
TOTAL EXPENSES 950.97 968.72 1112.18 873.04 732.78
Operating Profit 1116.39 1103.34 957.72 1129.67 1107.28
EBITDA 1245.05 1287.53 1361.29 1293.18 1218.48
Depreciation 0 0 0 0 0
EBIT 1528.27 1580.74 1739.24 1546 1390.86
Interest 1192.71 1169.89 1138.64 1121.08 1048.21
EBT 335.56 410.85 600.6 424.92 342.65
Taxes 2.7 95.77 7.85 68.35 76.52
Profit and Loss for the Year 332.86 315.08 592.75 356.57 266.13
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -283.22 -293.21 -377.95 -252.82 -172.38
REPORTED PAT 49.64 21.87 214.8 103.75 93.75
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 55.7 55.7 55.7 55.7 55.7
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 59.23 59.23 59.23 59.23 59.23
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of JAMMU & KASHMIR BANK LTD. Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share 3.64 -31.31 8.58 10.49 243.92
Profitability Ratios
Operating Profit Margin(%) 14.85 13.26 17.94 18.93 23.46
Profit Before Interest And Tax Margin(%) 77.51 81.79 84.77 26 28.07
Net Profit Margin(%) 3.06 -24.41 6.08 7.2 17.47
Return On Capital Employed(%) 0.23 3.31 0.58 0.68 1.72
Return On Net Worth(%) 3.29 -28.76 6.81 8.89 24.31
Return on Assets(%) 0.23 -2.06 0.56 0.66 1.69
Tax Rate(%) -67.59 4.73 39.85 38 32.5
Liquidity And Solvency Ratios
Current Ratio 36.58 22.74 26.75 28.9 28.77
Quick Ratio 36.58 22.74 26.75 28.9 28.77
Debt Equity Ratio 13.25 12.99 11.14 12.42 13.42
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.37 1.31 1.4 0.42 0.47
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.07 0.08 0.09 0.09 0.1
Margin Ratios
Core EBITDA Margin(%) 73.48 77.36 79.83 25.22 27.63
EBIT Margin(%) 72.12 76.17 78.96 23.98 26.54
PAT Margin(%) 3.06 -24.41 6.08 7.2 17.47