| Key Financial Ratios of Jammu and Kashmir Bank (in Rs. Cr.) |
Mar 20 |
Mar 19 |
Mar 18 |
Mar 17 |
Mar 16 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
-15.97 |
8.35 |
3.64 |
-33.59 |
8.58 |
|
| Diluted EPS (Rs.) |
-15.97 |
8.35 |
3.64 |
-33.59 |
8.58 |
|
| Cash EPS (Rs.) |
-14.21 |
10.21 |
5.37 |
-29.67 |
9.90 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
75.64 |
108.08 |
99.48 |
108.85 |
132.47 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
89.60 |
118.96 |
110.61 |
108.85 |
132.47 |
|
| Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
1.75 |
|
| Operating Revenue / Share (Rs.) |
118.36 |
137.80 |
118.88 |
128.21 |
141.13 |
|
| Net Profit/Share (Rs.) |
-15.97 |
8.35 |
3.64 |
-31.30 |
8.58 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
7,194,453.92 |
7,304,492.29 |
6,574,067.12 |
6,671,123.73 |
69,548,494.92 |
|
| Net Profit/ Employee (Rs.) |
-970,538.50 |
442,406.55 |
201,270.65 |
-1,628,709.84 |
4,227,962.40 |
|
| Business/ Employee (Rs.) |
138,149,318.74 |
148,373,052.34 |
135,940,471.21 |
122,010,782.08 |
1,215,279,900.41 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
88,442,815.71 |
81,829,003.20 |
73,245,579.65 |
77,292,487.86 |
79,854,981.33 |
|
| Net Profit/ Branches (Rs.) |
-11,931,017.80 |
4,956,085.29 |
2,242,475.66 |
-18,870,439.31 |
4,854,509.92 |
|
| Business/ Branches (Rs.) |
1,698,296,337.17 |
1,662,157,818.76 |
1,514,593,391.59 |
1,413,632,436.99 |
1,395,373,887.98 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.43 |
1.73 |
1.57 |
1.62 |
2.13 |
|
| CASA (%) |
53.65 |
50.69 |
50.88 |
51.69 |
44.12 |
|
| Net Profit Margin (%) |
-13.49 |
6.05 |
3.06 |
-24.41 |
6.07 |
|
| Operating Profit Margin (%) |
-26.79 |
11.07 |
6.02 |
-54.32 |
12.94 |
|
| Return on Assets (%) |
-1.04 |
0.45 |
0.22 |
-1.99 |
0.51 |
|
| Return on Equity / Networth (%) |
-21.11 |
7.72 |
3.65 |
-28.75 |
6.47 |
|
| Net Interest Margin (X) |
3.40 |
3.33 |
3.20 |
3.06 |
3.37 |
|
| Cost to Income (%) |
64.13 |
59.06 |
58.94 |
56.92 |
48.10 |
|
| Interest Income/Total Assets (%) |
7.75 |
7.56 |
7.38 |
8.15 |
8.52 |
|
| Non-Interest Income/Total Assets (%) |
0.50 |
0.80 |
0.55 |
0.60 |
0.62 |
|
| Operating Profit/Total Assets (%) |
-1.54 |
-0.34 |
-0.32 |
-2.59 |
-0.10 |
|
| Operating Expenses/Total Assets (%) |
2.50 |
2.44 |
2.21 |
2.08 |
1.92 |
|
| Interest Expenses/Total Assets (%) |
4.35 |
4.23 |
4.18 |
5.08 |
5.14 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
97,745.18 |
90,381.77 |
80,673.55 |
74,056.64 |
71,446.99 |
|
| EV Per Net Sales (X) |
11.57 |
11.78 |
12.18 |
11.08 |
10.44 |
|
| Price To Book Value (X) |
0.16 |
0.50 |
0.61 |
0.69 |
0.46 |
|
| Price To Sales (X) |
0.10 |
0.39 |
0.51 |
0.58 |
0.43 |
|
| Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
79.60 |
|
| Earnings Yield (X) |
-1.29 |
0.16 |
0.06 |
-0.42 |
0.14 |
|
Source : Dion Global Solutions Limited
