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JAMMU & KASHMIR BANK LTD.
Sector : Banks


BSE  17.6   0.6   (3.53%)   BSE Code : 532209   NSE Code : J&KBANK

PREV. CLOSE
17.0
OPEN PRICE
17.65
CLOSE PRICE
17.6
VOLUME
279944
TODAY's LOW
17.15
TODAY's HIGH
17.75




Important Levels
Pivot Points - 17.5
Resistance 1 17.85
Resistance 2 18.1
Support 1 17.25
Support 2 16.9

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 17.65 17.75 17.15 17.6 3.53 279944
11/08/2020 17.4 17.75 17.2 17.5 2.94 201629
10/08/2020 16.95 17.5 16.65 17.35 8.44 401890
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

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 16.91
10 Days 16.45
15 Days 16.58
25 Days 17.13
30 Days 17.36
Exponential Moving Average
5 Days 17.09
10 Days 16.83
12 Days 16.81
20 Days 16.8

MACD
12 Day EMA 16.81
26 Day EMA 16.74
MACD 0.07
Signal Line 0.02
Other Technical Indicators
Non - Smoothed RSI 98.09
Smoothed RSI 90.48
ROC 5.39
William %R -5.66
Upper Bollinger Band 18.38
Lower Bollinger Band 15.27
Middle Bollinger Band 16.82

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? Yes
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-15
Liabilities
Share Capital 71.36 55.7 55.7 52.15 48.49
Reserves & Surplus 5326.12 5964.65 5485.33 5624.35 6061.56
Net Worth 6393.48 6626.1 6161.21 5676.49 6110.05
Secured Loans 2019.58 2623.96 1628.34 1276.05 2339.67
Unsecured Loans 97788.23 89638.9 80006.5 72463.09 65756.19
TOTAL LIABILITIES 106201.29 98888.95 87796.05 79415.64 74205.91
Assets
Gross Block 2035.7 1645.73 1598.04 1478.97 654.75
(-) Acc. Depreciation 0 0 0 0 0
Net Block 2035.7 1645.73 1598.04 1478.97 654.75
Capital Work in Progress. 34.82 28.96 16.55 64.34 34.16
Investments 23052.24 23160.5 18880.03 21290.89 25124.3
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 9782.83 5861.88 8252.88 5385.94 3733.76
Loans And Advances 73966.51 70709.21 60940.11 53798.53 46538.48
Total Current Assets 83749.34 76571.09 69193 59184.47 50272.24
Current Liabilities 2670.81 2517.34 1891.57 2603.04 1879.54
Provisions 0 0 0 0 0
Total Current Liabilities 2670.81 2517.34 1891.57 2603.04 1879.54
NET CURRENT ASSETS 81078.53 74053.75 67301.43 56581.43 48392.7
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 107197.29 99494.7 88416.23 79415.64 74205.91

Profit and Loss

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
INCOME:
Sales Turnover 8446.29 7675.56 6621.40 6685.80 6843.57
Excise Duty .00 .00 0.00 0.00 0.00
NET SALES 8446.29 7675.56 6621.40 6685.80 6843.57
Other Income 545.9207 812.6265 0.00 0.00 0.00
TOTAL INCOME 8992.21 8488.19 7116.71 7178.66 7347.60
EXPENDITURE:
Manufacturing Expenses .00 .00 0.00 0.00 0.00
Material Consumed .00 .00 0.00 0.00 0.00
Personal Expenses 1886.05 1646.18 1286.88 1122.54 1019.59
Selling Expenses 11.81 20.14 22.85 15.09 0.00
Administrative Expenses 3329.37 1766.41 577.94 487.75 462.62
Expenses Capitalised .00 .00 0.00 0.00 0.00
Provisions Made 2625.10 1058.17 1260.92 2800.30 976.23
TOTAL EXPENDITURE 7852.33 4490.90 3148.59 4425.69 2458.44
Operating Profit -1520.57 -48.81 983.12 886.56 1227.88
EBITDA 6390.07 6113.62 5229.03 5553.27 5865.39
Depreciation 125.40 104.09 96.55 85.08 63.99
Other Write-offs .00 .00 0.00 0.00 0.00
EBIT 6264.67 6009.53 5132.48 5468.19 5801.40
Interest 4739.62 4291.63 3750.61 4173.86 4133.48
EBT -1100.05 659.73 120.96 2667.89 691.68
Taxes 39.36 194.85 -81.76 126.32 275.65
Profit and Loss for the Year -1139.41 464.88 202.72 2541.57 416.03
Non Recurring Items .00 .00 0.00 0.00 0.00
Other Non Cash Adjustments .00 .00 0.00 0.00 0.00
Other Adjustments .00 .00 0.00 -4173.86 0.00
REPORTED PAT -1139.41 464.88 202.72 -1632.29 416.03
KEY ITEMS
Preference Dividend .00 .00 0.00 0.00 0.00
Equity Dividend .00 .00 0.00 0.00 67.56
Equity Dividend (%) .00 .00 0.00 0.00 139.32
Shares in Issue (Lakhs) 7134.51 5568.58 5568.58 5213.33 4847.78
EPS - Annualised (Rs) -15.97040301 8.34826832 3.64 -31.31 8.58

Quarterly

(Rs. in Crores)

Particulars 2020-09 2020-06 2020-03 2019-12 2019-09
INCOME:
Net Sales Turnover 2044.84 2038.32 2156.09 2067.36 2150.78
Other Income 149.63 119.62 120.91 128.66 112.16
TOTAL INCOME 2194.47 2157.94 2277 2196.02 2262.94
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 501.46 508.44 489.72 468.13 464.32
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 188.86 185.31 236.29 199.62 193.95
Provisions Made 324.92 266.37 620.49 283.22 1428.17
TOTAL EXPENSES 1015.24 960.12 1346.5 950.97 2086.44
Operating Profit 1029.6 1078.2 809.59 1116.39 64.34
EBITDA 1179.23 1197.82 930.5 1245.05 176.5
Depreciation 0 0 0 0 0
EBIT 1504.15 1464.19 1550.99 1528.27 1604.67
Interest 1100.96 1133.97 1168.85 1192.71 1208.17
EBT 403.19 330.22 382.14 335.56 396.5
Taxes 34.34 57.35 55.75 2.7 -114.86
Profit and Loss for the Year 368.85 272.87 326.39 332.86 511.36
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -324.92 -266.37 -620.49 -283.22 -1428.17
REPORTED PAT 43.93 6.5 -294.1 49.64 -916.81
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 71.36 71.36 71.36 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 68.18 68.18 68.18 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-20 Mar-19 Mar-18 Mar-17 Mar-16
Key Stats
Earnings Per Share -15.97 8.35 3.64 -31.31 8.58
Profitability Ratios
Operating Profit Margin(%) -18 -0.64 14.85 13.26 17.94
Profit Before Interest And Tax Margin(%) 74.17 78.29 77.51 81.79 84.77
Net Profit Margin(%) -13.49 6.06 3.06 -24.41 6.08
Return On Capital Employed(%) -1.09 0.48 0.23 3.31 0.58
Return On Net Worth(%) -17.82 7.02 3.29 -28.76 6.81
Return on Assets(%) -1.06 0.47 0.23 -2.06 0.56
Tax Rate(%) -3.58 29.53 -67.59 4.73 39.85
Liquidity And Solvency Ratios
Current Ratio 31.36 30.42 36.58 22.74 26.75
Quick Ratio 31.36 30.42 36.58 22.74 26.75
Debt Equity Ratio 15.61 13.92 13.25 12.99 11.14
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.32 1.4 1.37 1.31 1.4
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.08 0.08 0.07 0.08 0.09
Margin Ratios
Core EBITDA Margin(%) 71.06 72.03 73.48 77.36 79.83
EBIT Margin(%) 69.67 70.8 72.12 76.17 78.96
PAT Margin(%) -13.49 6.06 3.06 -24.41 6.08

DISCLAIMER
Copyright 2018 -- All Rights Reserved. Stock trading involves high risk. The predictions made herein do not constitute an offer to sell or solicitation to buy any of the securities mentioned. No representations shall be entertained that the predictions made herein will be profitable or otherwise. Readers using the information contained herein are solely responsible for their actions. The information is based on our personal assessment / judgement and we shall not be liable for any losses and damages.