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
|
|