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About the company
Jammu and Kashmir Bank Limited (the Bank) is engaged in banking and financial services. Its segments include Retail, Corporate and Treasury. The Bank offers a range of products and services, such as loans, personal accounts, term deposits, insurance, cards, business accounts, agriculture loans and others. The Bank offers a range of retail credit products, including home finance, personal loans, education loans, agriculture lending, trade credit and consumer credit and a number of financial products tailored to the needs of various customer segments. It provides loans, such as housing loan, consumer loan, JK bank personal, consumption loan scheme, laptop/ pc finance, festival advance scheme, education loan scheme and others. It operates through over 955 branches, which include approximately 174 metro branches, over 110 urban branches, 162 semi-urban branches and 544 rural branches, which are spread over 18 states and four union territories.
- Revenue in INR (TTM)112.12bn
- Net income in INR17.71bn
- Incorporated1938
- Employees12.79k
- LocationJammu and Kashmir Bank LtdM A RoadSRINAGAR 190001IndiaIND
- Phone+91 1 942481930
- Fax+91 1 942481902
- Websitehttps://www.jkbank.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DCB Bank Ltd | 53.62bn | 5.36bn | 40.11bn | 11.33k | 7.54 | 0.7901 | -- | 1.67 | 16.99 | 16.99 | 76.16 | 162.12 | -- | -- | -- | -- | 0.9289 | 0.8736 | -- | -- | -- | -- | 22.31 | 20.15 | -- | -- | -- | -- | 27.66 | 12.01 | 15.12 | 10.50 | 11.58 | 4.56 |
| CSB Bank Ltd | 29.28bn | 5.67bn | 55.72bn | 6.84k | 10.09 | 1.50 | -- | 2.69 | 32.67 | 32.67 | 119.21 | 219.25 | -- | -- | -- | -- | 1.74 | 1.46 | -- | -- | -- | -- | 27.41 | 24.82 | -- | -- | -- | -- | 26.21 | 16.79 | 3.55 | -- | 39.21 | -- |
| Utkarsh Small Finance Bank Ltd | 31.78bn | 4.98bn | 56.53bn | 15.42k | 11.33 | 1.90 | -- | 2.47 | 4.54 | 4.54 | 20.84 | 27.04 | -- | -- | -- | -- | -- | 1.78 | -- | -- | -- | -- | 21.77 | 17.60 | -- | -- | -- | 4.36 | 26.88 | 29.31 | 23.02 | 39.59 | 17.84 | -- |
| Jana Small Finance Bank Ltd | 40.13bn | 6.70bn | 60.89bn | -- | 9.09 | -- | -- | 2.18 | 64.02 | 64.02 | 267.53 | -- | -- | -- | -- | -- | -- | 1.04 | -- | -- | -- | -- | 23.93 | 10.73 | -- | -- | -- | -- | 30.51 | 26.26 | 161.57 | -- | -0.0433 | -- |
| South Indian Bank Ltd | 86.13bn | 10.70bn | 70.50bn | 9.48k | 5.63 | 0.7987 | -- | 1.45 | 4.79 | 4.79 | 21.63 | 33.74 | -- | -- | -- | -- | 0.9508 | 0.4083 | -- | -- | -- | -- | 22.08 | 10.88 | -- | -- | -- | -- | 19.07 | 4.61 | 38.03 | 34.02 | 13.24 | 5.49 |
| Tamilnad Mercantile Bank Ltd | 48.48bn | 10.72bn | 72.20bn | 4.51k | 6.73 | 0.9115 | -- | 2.58 | 67.70 | 67.70 | 176.56 | 500.23 | -- | -- | -- | -- | 1.79 | 1.56 | -- | -- | -- | -- | 38.34 | 32.29 | -- | -- | -- | 8.05 | 18.79 | 8.50 | 4.16 | 32.90 | 24.20 | -- |
| Karnataka Bank Limited | 82.99bn | 13.07bn | 80.86bn | 8.65k | 5.37 | 0.7453 | -- | 1.75 | 39.89 | 39.89 | 140.10 | 287.54 | -- | -- | -- | -- | 1.21 | 0.855 | -- | -- | -- | -- | 28.30 | 20.44 | -- | -- | -- | 13.92 | 14.93 | 7.04 | 10.76 | 22.32 | 10.08 | 11.57 |
| Ujjivan Small Finance Bank Ltd | 56.77bn | 12.82bn | 96.11bn | 21.80k | 7.69 | 1.74 | -- | 2.29 | 6.47 | 6.47 | 21.18 | 28.66 | -- | -- | -- | -- | 3.48 | 1.89 | -- | -- | -- | -- | 30.54 | 17.15 | -- | -- | -- | -- | 36.31 | 25.39 | 16.51 | 49.31 | 10.52 | -- |
| Equitas Small Finance Bank Ltd | 54.86bn | 7.99bn | 105.15bn | 21.00k | 13.21 | 1.76 | -- | 2.71 | 7.01 | 7.01 | 34.03 | 52.59 | -- | -- | -- | -- | 1.99 | 1.67 | -- | -- | -- | -- | 20.60 | 16.70 | -- | -- | -- | -- | 31.83 | 20.94 | 39.29 | 30.57 | 47.75 | -- |
| City Union Bank Ltd | 52.71bn | 10.16bn | 105.99bn | 6.02k | 10.51 | 1.26 | -- | 3.70 | 13.61 | 13.61 | 38.39 | 113.43 | -- | -- | -- | -- | 1.48 | 1.31 | -- | -- | -- | -- | 35.45 | 28.22 | -- | -- | -- | 8.80 | 11.80 | 6.95 | 8.35 | 8.27 | 13.47 | 24.57 |
| Jammu and Kashmir Bank Ltd | 112.12bn | 17.71bn | 145.03bn | 12.79k | 7.88 | 1.19 | -- | 2.40 | 16.72 | 16.72 | 57.38 | 110.71 | -- | -- | -- | -- | 1.18 | 0.43 | -- | -- | -- | -- | 29.29 | 10.94 | -- | -- | -- | -- | 19.85 | 7.87 | 50.04 | 30.73 | 2.44 | -- |
| RBL Bank Ltd | 123.94bn | 12.60bn | 148.88bn | 10.76k | 11.90 | 1.00 | -- | 1.64 | 20.64 | 20.64 | 149.13 | 245.21 | -- | -- | -- | -- | 0.991 | 0.5841 | -- | -- | -- | -- | 13.84 | 8.67 | -- | -- | -- | 8.45 | 28.08 | 14.48 | 37.01 | 7.99 | -0.0196 | -11.09 |
| Karur Vysya Bank Ltd | 82.04bn | 16.05bn | 158.57bn | 7.40k | 9.88 | 1.58 | -- | 2.90 | 19.95 | 19.95 | 67.97 | 124.82 | -- | -- | -- | -- | 1.64 | 0.9932 | -- | -- | -- | -- | 29.35 | 19.66 | -- | -- | -- | 13.09 | 25.89 | 7.12 | 45.09 | 50.07 | -8.86 | 31.95 |
Data as of May 30 2024. Currency figures normalised to Jammu and Kashmir Bank Ltd's reporting currency: Indian Rupee INR
8.54%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Kotak Mahindra Asset Management Co. Ltd.as of 30 Apr 2024 | 21.89m | 1.99% |
| Life Insurance Corporation of India (Investment Portfolio)as of 15 Dec 2023 | 14.69m | 1.33% |
| The Vanguard Group, Inc.as of 09 May 2024 | 13.65m | 1.24% |
| quant Money Managers Ltd.as of 30 Apr 2024 | 12.50m | 1.14% |
| Dimensional Fund Advisors LPas of 09 May 2024 | 6.54m | 0.59% |
| Kotak Mahindra Life Insurance Co., Ltd.as of 30 Apr 2024 | 6.43m | 0.58% |
| Goldman Sachs Asset Management LPas of 29 Feb 2024 | 6.04m | 0.55% |
| Aditya Birla Sun Life Amc Ltd. (Investment Management)as of 30 Apr 2024 | 4.44m | 0.40% |
| BlackRock Fund Advisorsas of 09 May 2024 | 4.04m | 0.37% |
| Mahindra Manulife Investment Management Pvt Ltd.as of 30 Apr 2024 | 3.84m | 0.35% |
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Data from 31 Mar 2024 - 15 May 2024Source: FactSet Research Systems Inc.
