Ratnakar Securities

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Profit & Loss

THE JAMMU & KASHMIR BANK LTD.

NSE : J&KBANKBSE : 532209ISIN CODE : INE168A01041Industry : Bank - PrivateHouse : PSU
BSE130.051 (+0.77 %)
PREV CLOSE ( ) 129.05
OPEN PRICE ( ) 129.80
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 21955
TODAY'S LOW / HIGH ( )129.15 130.30
52 WK LOW / HIGH ( )53.05 152.45
Select year
(Rs.in Million)
Particulars
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
I. INCOME
  
  
  
  
  
Interest Earned
93552.28
80129.79
81110.88
84462.89
76755.61
     Interest / Discount on advances / Bills
69975.54
60148.83
60630.15
65724.97
59352.43
     Interest on balances with RBI and other Inter-bank funds
941.71
1686.91
3172.25
2660.32
1597.88
     Income on investments
20709.24
16768.54
17307.93
16076.09
15519.90
     Others
1925.79
1525.50
0.55
1.50
285.39
Other Income
7652.42
7534.83
7014.94
5085.97
8174.78
     Commission,exchange and brokerage
1590.92
2007.74
2158.20
2377.20
2300.76
     Profit / (loss)on sale of investments(net)
516.67
1230.96
2521.64
816.26
1942.91
     Profit on sale of Fixed Assets
11.93
2.86
2.84
4.37
1.72
     Foreign Exchange Gains
142.02
163.66
104.81
7.79
6.85
     Income earned from subsidiaries/joint venture
-417.69
     Rent / Lease Income
     Provisions Written Back
     Miscellaneous income
5390.87
4129.61
2227.46
2298.05
3922.54
Total Income
101204.70
87664.62
88125.82
89548.86
84930.38
II. EXPENDITURE
Interest Expended
46094.38
41013.37
43398.80
47392.43
42911.26
     Intereston Deposits
43512.42
39013.37
41398.65
44965.20
40185.95
     Interest on RBI / inter-bank borrowings
364.80
14.36
12.65
37.69
411.40
     Other Interest
2217.16
1985.64
1987.50
2389.54
2313.90
Operating Expenses
36508.70
35986.53
28841.63
27345.72
24850.51
     Payments to and provisions for employees
27085.63
26750.79
20624.30
18906.39
16501.05
     Rent,Taxes and lighting
1046.55
979.73
965.77
998.90
972.05
     Depreciation on Banks property
1324.68
1243.33
1342.81
1256.74
1042.75
     Depreciation on leased assets
251.87
197.53
     Auditor's fees and expenses
131.35
221.55
180.82
177.54
195.29
     Law charges
187.19
128.20
113.51
96.90
85.88
     Communication Expenses
49.64
40.77
48.21
40.89
47.15
     Repairs and Maintenance
308.34
340.06
200.13
198.03
234.48
     Insurance
1441.45
1293.85
1188.22
903.37
857.95
     Other expenses
4681.99
4790.73
4177.87
4766.96
4913.91
Provisions and Contingencies
745.95
3208.94
10517.94
26250.97
10581.66
     Provision for investments
834.60
-206.60
313.30
1516.80
869.10
     Provision for advances
-282.40
-217.90
-134.00
-306.70
-444.40
     Others Provisions
193.75
3633.44
10338.64
25040.87
10156.96
Profit Before Tax
17855.67
7455.78
5367.45
-11440.25
6586.96
Taxes
5869.80
2411.40
1019.50
393.60
1948.50
     Current Income Tax
5305.50
2153.40
366.50
719.10
2722.40
     Deferred Tax
564.30
258.00
653.00
-325.50
-773.90
     Other taxes
0.00
0.00
0.00
0.00
0.00
Profit After Tax
11985.87
5044.38
4347.95
-11833.85
4638.46
Extra items
0.00
0.00
0.00
0.00
0.00
Minority Interest
Share of Associate
-180.70
-95.87
-63.49
Other Consolidated Items
Consolidated Net Profit
11805.17
4948.51
4284.47
-11833.85
4638.46
Adjustments to PAT
IV. APPROPRIATIONS
11805.17
4948.51
4284.47
-11833.85
4638.46
     Transfer to Statutory Reserve
2993.45
1253.91
1080.31
1159.62
     Appropriation to General Reserve
     Appropriation to Revenue Reserve
8295.98
3359.46
1865.41
-12138.45
2899.53
     Appropriation to Other Reserves
     Equity Dividend
515.74
     Corporate dividend tax
     Other appropriations
0.00
335.15
1338.75
304.60
579.32
Equity Dividend %
50.00
Earnings Per Share
11.44
5.30
6.01
-16.59
8.33
Adjusted EPS
11.44
5.30
6.01
-16.59
8.33
FAQs
079-49005200 / 01 / 02
info@ratnakarsecurities.com
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Ratnakar Securities Pvt. Ltd. : SEBI Registration No. of NSE, BSE & MSEI : INZ000191735 | SEBI Registration No. of NSDL : IN-DP-NSDL-66-88
Ratnakar Commodities Pvt. Ltd : SEBI Registration No. of MCX & NCDEX : INZ000024138
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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.
Source: SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.