| Key Financial Ratios of Jammu and Kashmir Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
18.91 |
16.80 |
12.43 |
6.04 |
6.06 |
|
| Diluted EPS (Rs.) |
18.91 |
16.80 |
12.43 |
6.04 |
6.06 |
|
| Cash EPS (Rs.) |
20.43 |
18.02 |
13.13 |
6.92 |
7.93 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
118.16 |
99.58 |
83.96 |
75.71 |
82.02 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
129.41 |
111.10 |
96.38 |
85.89 |
95.65 |
|
| Dividend/Share (Rs.) |
2.15 |
2.15 |
0.50 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
113.83 |
101.81 |
90.68 |
85.89 |
113.67 |
|
| Net Profit/Share (Rs.) |
18.91 |
16.05 |
11.61 |
5.38 |
6.06 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
10,024,680.53 |
9,031,302.70 |
7,316,679.34 |
6,175,137.09 |
6,590,629.32 |
|
| Net Profit/ Employee (Rs.) |
1,665,303.96 |
1,423,494.32 |
936,477.40 |
386,500.81 |
351,120.50 |
|
| Business/ Employee (Rs.) |
202,133,689.24 |
184,081,680.23 |
159,802,275.61 |
142,645,491.95 |
142,116,585.20 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
123,021,226.69 |
111,676,915.34 |
94,496,022.22 |
81,770,157.14 |
84,932,853.40 |
|
| Net Profit/ Branches (Rs.) |
20,436,335.62 |
17,602,272.91 |
12,094,747.47 |
5,117,980.61 |
4,524,858.64 |
|
| Business/ Branches (Rs.) |
2,480,551,309.13 |
2,276,268,984.06 |
2,063,870,602.02 |
1,888,888,315.31 |
1,831,443,784.29 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.77 |
1.51 |
1.37 |
0.87 |
1.37 |
|
| CASA (%) |
47.01 |
50.50 |
54.09 |
56.55 |
56.84 |
|
| Net Profit Margin (%) |
16.61 |
15.76 |
12.79 |
6.25 |
5.32 |
|
| Operating Profit Margin (%) |
30.04 |
29.31 |
21.76 |
10.68 |
9.62 |
|
| Return on Assets (%) |
1.22 |
1.14 |
0.82 |
0.38 |
0.35 |
|
| Return on Equity / Networth (%) |
16.00 |
16.11 |
13.82 |
7.10 |
7.38 |
|
| Net Interest Margin (X) |
3.41 |
3.36 |
3.25 |
2.99 |
3.13 |
|
| Cost to Income (%) |
57.72 |
62.23 |
66.22 |
76.56 |
64.11 |
|
| Interest Income/Total Assets (%) |
7.39 |
7.25 |
6.40 |
6.13 |
6.74 |
|
| Non-Interest Income/Total Assets (%) |
0.67 |
0.53 |
0.51 |
0.59 |
0.59 |
|
| Operating Profit/Total Assets (%) |
0.55 |
0.60 |
0.30 |
-0.21 |
-0.23 |
|
| Operating Expenses/Total Assets (%) |
2.36 |
2.42 |
2.49 |
2.75 |
2.39 |
|
| Interest Expenses/Total Assets (%) |
3.97 |
3.88 |
3.15 |
3.14 |
3.60 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
153,729.86 |
145,167.58 |
122,207.45 |
118,699.68 |
108,224.95 |
|
| EV Per Net Sales (X) |
12.26 |
12.95 |
13.06 |
14.81 |
13.34 |
|
| Price To Book Value (X) |
0.78 |
1.35 |
0.59 |
0.43 |
0.31 |
|
| Price To Sales (X) |
0.81 |
1.32 |
0.54 |
0.38 |
0.23 |
|
| Retention Ratios (%) |
88.63 |
86.60 |
95.69 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.20 |
0.12 |
0.24 |
0.17 |
0.24 |
|
Source : Dion Global Solutions Limited
