Date 13.08.2025
Jammu and Kashmir Bank
Timeframe : Weekly Chart
Business Segments
(1) Retail Banking: 60%
(2) Treasury: 21%
(3) Corporate Banking: 19%
Key Ratios
Yield: 9.5%
CoF: 4.42%
NIM: 4%
CRAR: 15%
NIM: 3.90%
GNPA: 3.95%
NNPA: 0.85%
PCR: 90.54%
Branch Break-Up
(1) Rural: 54%
(2) Metro: 19%
(3) Semi-Urban: 16%
(4) Urban: 11%
Loan Book
Gross advances of the bank stood at Rs. 99,242 Cr
Gross Advance Mix
(1) Personal Finance: 39%
(2) Trade & Services: 21%
(3) Agriculture: 10%
(4) Financial Markets: 10%
(5) Manufacturing: 7%
(6) Others: 13%
Deposits
Bank has total deposits of Rs. 1,37,918 Cr
Deposits Mix
(1) Term Deposits: 51%
(2) CASA: 49%
Sponsored Regional Rural Bank (RRB)
(1) The bank sponsors J&K Grameen Bank and holds a stake of 35%.
(2) The operations of J&K Grameen Bank are carried out in 13 districts of the UT of J&K
(3) UT of Ladakh including Baramulla, Bandipora, Kupwara, Ganderbal, Srinagar Jammu
(4) It has 216 branches and 1,226 employees
Valuations
(1) Market Cap = ₹ 11,474 Cr.
(2) Stock P/E = 5.27
(3) Book Value = 0.81X
(4) ROCE = 6.15 %
(5) ROE =15.8 %
(6) EPS = 19
(7) Financial Margin = 12%
Regards,
Ankur
Jammu and Kashmir Bank
Timeframe : Weekly Chart
Business Segments
(1) Retail Banking: 60%
(2) Treasury: 21%
(3) Corporate Banking: 19%
Key Ratios
Yield: 9.5%
CoF: 4.42%
NIM: 4%
CRAR: 15%
NIM: 3.90%
GNPA: 3.95%
NNPA: 0.85%
PCR: 90.54%
Branch Break-Up
(1) Rural: 54%
(2) Metro: 19%
(3) Semi-Urban: 16%
(4) Urban: 11%
Loan Book
Gross advances of the bank stood at Rs. 99,242 Cr
Gross Advance Mix
(1) Personal Finance: 39%
(2) Trade & Services: 21%
(3) Agriculture: 10%
(4) Financial Markets: 10%
(5) Manufacturing: 7%
(6) Others: 13%
Deposits
Bank has total deposits of Rs. 1,37,918 Cr
Deposits Mix
(1) Term Deposits: 51%
(2) CASA: 49%
Sponsored Regional Rural Bank (RRB)
(1) The bank sponsors J&K Grameen Bank and holds a stake of 35%.
(2) The operations of J&K Grameen Bank are carried out in 13 districts of the UT of J&K
(3) UT of Ladakh including Baramulla, Bandipora, Kupwara, Ganderbal, Srinagar Jammu
(4) It has 216 branches and 1,226 employees
Valuations
(1) Market Cap = ₹ 11,474 Cr.
(2) Stock P/E = 5.27
(3) Book Value = 0.81X
(4) ROCE = 6.15 %
(5) ROE =15.8 %
(6) EPS = 19
(7) Financial Margin = 12%
Regards,
Ankur
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Disclaimer
The information and publications are not meant to be, and do not constitute, financial, investment, trading, or other types of advice or recommendations supplied or endorsed by TradingView. Read more in the Terms of Use.