J&K Bank

Market Cap: Mid Cap
Industry: Public Banks
ISIN: INE168A01041
NSEID: J&KBANK
BSEID: 532209

INR

91.90

0.4 (0.44%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 33.15 lacs

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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

3,206.08

3,123.55

2,994.38

2,910.18

2,880.96

2,764.15

2,657.08

Income On Investments

695.48

649.41

610.39

571.90

564.87

558.84

569.82

Interest On Balances With Rbi Other Inter Bank Funds

10.42

18.52

4.31

6.39

9.24

1.96

19.32

Interest / Discount On Advances / Bills

2,398.41

2,357.76

2,282.68

2,236.64

2,228.88

2,134.77

2,008.38

Others

101.77

97.86

97.00

95.25

77.97

68.58

59.56

Other Income

242.32

296.08

194.10

224.56

182.34

190.31

228.27

Total Income

3,448.40

3,419.63

3,188.48

3,134.74

3,063.30

2,954.46

2,885.35

Interest Expended

1,697.40

1,687.62

1,625.16

1,604.06

1,600.52

1,430.32

1,373.78

Net Interest Income

1,508.68

1,435.93

1,369.22

1,306.12

1,280.44

1,333.83

1,283.30

Total Expenditure (Excl Depreciation)

1,002.89

945.02

968.65

866.85

912.25

989.67

983.52

Employee Cost

701.21

657.89

689.53

483.94

634.61

721.73

731.28

Other Operating Expenses

301.68

287.13

279.12

382.91

277.64

267.94

252.24

Operating Profit Before Provisions and Contingencies

748.11

786.99

594.67

663.83

550.53

534.47

528.05

Exceptional Items

0.00

Provisions and contingencies

-9.80

32.53

-17.48

-165.05

-9.43

-9.94

76.73

Profit Before Tax

757.91

754.46

612.15

828.88

559.96

544.41

451.32

Tax

226.40

203.54

196.66

190.21

138.88

163.34

124.87

Profit After Tax

531.51

550.92

415.49

638.67

421.08

381.07

326.45

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

531.51

550.92

415.49

638.67

421.08

381.07

326.45

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

4.83

5.0

3.77

5.8

3.82

3.69

3.16

Diluted Earnings per share

4.83

5.0

3.77

5.8

4.03

3.69

3.16

Operating Profit Margin (Excl OI)

69.02%

68.7%

68.23%

75.88%

68.66%

64.56%

60.1%

Gross Profit Margin

23.64%

24.15%

20.44%

28.48%

19.44%

19.7%

16.99%

PAT Margin

16.58%

17.64%

13.88%

21.95%

14.62%

13.79%

12.29%

Net Interest Margin

1.01%

0.98%

0.96%

0.94%

0.96%

1.02%

1.0%

Return on Assets

0.0%

CASA (%)

48.17%

48.6%

49.77%

50.51%

50.59%

50.61%

53.29%

CASA Amount

67,887.38

67,035.00

65,980.96

68,073.00

65,035.00

64,069.27

64,645.24

Capital Adequacy Ratio (Total)

15.09%

14.99%

15.07%

15.33%

14.18%

14.53%

14.83%

Capital Adequacy Ratio (Tier 1)

12.71%

12.7%

12.81%

13.09%

11.74%

11.68%

11.87%

Provision Coverage Ratio (%)

89.67%

90.54%

91.57%

91.58%

91.61%

89.99%

87.55%

Amount of Gross NPAs

4,041.04

3,916.26

3,857.59

3,956.19

4,526.48

4,826.68

5,103.68

Amount of Net NPAs

898.08

813.39

727.58

736.85

740.83

917.36

1,176.91

% of Net NPAs

0.94%

0.85%

0.76%

0.79%

0.83%

1.04%

1.39%

% of Gross NPAs

4.08%

3.95%

3.91%

4.08%

4.84%

5.26%

5.77%

Public Share Holdings (%)

40.6%

36.59%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1423.0

1424.0

1425.0

1417.0

1414.0

1411.0

1414.0

Number of Branches

1012.0

1008.0

1006.0

832.0

1001.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 2.64% vs 4.31% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is -3.52% vs 32.60% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is -4.94% vs 32.34% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is 0.09% vs 0.09% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is 0.13% vs 0.04% in Sep 2024

Compare Quarterly Results Of J&K Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,206.08

1,17,426.63

-1,14,220.55

-97.27%

Income On Investments

695.48

29,286.30

-28,590.82

-97.63%

Interest On Balances With Rbi Other Inter Bank Funds

10.42

1,243.90

-1,233.48

-99.16%

Interest / Discount On Advances / Bills

2,398.41

83,399.48

-81,001.07

-97.12%

Others

101.77

3,496.95

-3,395.18

-97.09%

Other Income

242.32

11,040.76

-10,798.44

-97.81%

Total Income

3,448.40

1,28,467.39

-1,25,018.99

-97.32%

Interest Expended

1,697.40

75,981.12

-74,283.72

-97.77%

Net Interest Income

1,508.68

41,445.51

-39,936.83

-96.36%

Total Expenditure (Excl Depreciation)

1,002.89

28,935.46

-27,932.57

-96.53%

Employee Cost

701.21

16,073.72

-15,372.51

-95.64%

Other Operating Expenses

301.68

12,861.74

-12,560.06

-97.65%

Operating Profit Before Provisions and Contingencies

748.11

23,550.81

-22,802.70

-96.82%

Exceptional Items

0.00

Provisions and contingencies

-9.80

911.06

-920.86

-101.08%

Profit Before Tax

757.91

22,639.75

-21,881.84

-96.65%

Tax

226.40

5,748.31

-5,521.91

-96.06%

Profit After Tax

531.51

16,891.44

-16,359.93

-96.85%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

531.51

16,891.44

-16,359.93

-96.85%

Face Value

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.83

18.93

-14.10

-74.48%

Diluted Earnings per share

4.83

18.93

-14.10

-74.48%

Operating Profit Margin (Excl OI)

69.02%

74.58%

0.00

-5.56%

Gross Profit Margin

23.64%

19.28%

0.00

4.36%

PAT Margin

16.58%

14.38%

0.00

2.20%

Net Interest Margin

1.01%

3.01%

-2.00

-2.00%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

48.17%

39.20%

8.97

8.97%

CASA Amount

67,887.38

19,65,237.00

-18,97,349.62

-96.55%

Capital Adequacy Ratio (Total)

15.09%

13.03%

2.06

2.06%

Capital Adequacy Ratio (Tier 1)

12.71%

10.85%

1.86

1.86%

Provision Coverage Ratio (%)

89.67%

74.66%

15.01

15.01%

Amount of Gross NPAs

4,041.04

84,360.38

-80,319.34

-95.21%

Amount of Net NPAs

898.08

21,377.64

-20,479.56

-95.8%

% of Net NPAs

0.94%

0.53%

0.41

0.41%

% of Gross NPAs

4.08%

2.07%

2.01

2.01%

Public Share Holdings (%)

40.60%

0.00%

40.60

40.60%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,423.00

0.00

1,423.00

Number of Branches

1,012.00

0.00

1,012.00

Quarterly - Interest Earned

Interest Earned 3206.08 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 2.64% vs 4.31% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 11.29% vs 18.03% in Dec 2023

Quarterly - Net Profit

Net Profit 531.51 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -3.52% vs 32.60% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 26.23% vs 35.14% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 748.11 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -4.94% vs 32.34% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 35.89% vs 1.18% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.94%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.09% vs 0.09% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 0.11% vs -1.25% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 4.08%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.13% vs 0.04% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.76% vs -2.41% in Dec 2023