Jammu and Kashmir Bank Balance Sheet Health
Financial Health criteria checks 4/6
Jammu and Kashmir Bank has total assets of ₹1,594.6B and total equity of ₹133.1B. Total deposits are ₹1,379.1B, and total loans are ₹961.2B earning a Net Interest Margin of 3.9%. It has insufficient allowance for bad loans, which are currently at 4.1% of total loans. Cash and short-term investments are ₹75.5B.
Key information
12x
Asset to equity ratio
3.9%
Net interest margin
| Total deposits | ₹1.38t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.1% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹75.51b |
Recent financial health updates
No updates
Recent updates
If EPS Growth Is Important To You, Jammu and Kashmir Bank (NSE:J&KBANK) Presents An Opportunity
Sep 25
Why We Think The CEO Of The Jammu and Kashmir Bank Limited (NSE:J&KBANK) May Soon See A Pay Rise
Aug 11We Ran A Stock Scan For Earnings Growth And Jammu and Kashmir Bank (NSE:J&KBANK) Passed With Ease
Jun 10Does Jammu and Kashmir Bank (NSE:J&KBANK) Deserve A Spot On Your Watchlist?
Mar 06Does Jammu and Kashmir Bank (NSE:J&KBANK) Deserve A Spot On Your Watchlist?
Oct 07With EPS Growth And More, Jammu and Kashmir Bank (NSE:J&KBANK) Makes An Interesting Case
May 11How Much Did Jammu and Kashmir Bank's(NSE:J&KBANK) Shareholders Earn From Share Price Movements Over The Last Five Years?
Jan 30How Many The Jammu and Kashmir Bank Limited (NSE:J&KBANK) Shares Do Institutions Own?
Dec 07
Jammu and Kashmir Bank's (NSE:J&KBANK) Stock Price Has Reduced 84% In The Past Five Years
Oct 15Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: J&KBANK's Assets to Equity ratio (12x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if J&KBANK has a sufficient allowance for bad loans.
Low Risk Liabilities: 94% of J&KBANK's liabilities are made up of primarily low risk sources of funding.
Loan Level: J&KBANK has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: J&KBANK's Loans to Deposits ratio (70%) is appropriate.
Level of Bad Loans: J&KBANK has a high level of bad loans (4.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/03 19:07 |
| End of Day Share Price | 2025/01/03 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
The Jammu and Kashmir Bank Limited is covered by 18 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Yuvraj Choudhary | Anand Rathi Shares and Stock Brokers Limited |
| Vaibhav Agrawal | Angel Broking Private Limited |
| Abhinesh Vijayaraj | Avendus Spark |