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Detailed Financials		Profit & Loss Account

		Balance Sheet


		Ratio Analysis

Profit & Loss Account in Rs Cr.

Particulars	Q 4	Q 4	% Change	Year Ended	Year Ended	% Change
	FY 07-08	FY 06-07		Mar 2008	Mar 2007
Interest Earned	644.19	521.04	23.64	2434.23	1899.33	28.16
Interest Expended	419.84	318.66	31.75	1623.79	1131.48	43.51
Net Interest Income	224.35	202.38	10.86	810.44	767.85	5.55
Other Income	80.63	53.98	49.37	245.01	160.21	52.93
Operating Income	304.98	256.36	18.97	1055.45	928.06	13.73
Operating Expenses	102.07	109.37	-6.67	403.61	372.44	8.37
Operating Profit	202.91	146.99	38.04	651.84	555.62	17.32
Provisions & Contingencies	44.07	46.00	-4.20	75.86	140.42	-45.98
PBT	158.84	100.99	57.28	575.98	415.20	38.72
Tax Provision	99.04	55.71	77.78	215.98	140.71	53.49
Net Profit	59.80	45.28	32.07	360.00	274.49	31.15
Share Capital	48.49	48.49	0	48.49	48.49	0
EPS in Rs.	12.34	9.34	32.12	74.26	56.62	31.16
Net Interest Margins	0.79%	0.84 %	-	2.95%	2.97%	-

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Balance Sheet in Rs Cr.

Particulars	As on Mar. 31, 2008	As on Mar. 31, 2007	Growth (%)
Capital & Liabilities
Capital	48.49	48.49	0
Equity Share Warrants	28.10
Reserves & Surplus	2232.33	1960.24	13.88
Deposits	28593.26	25194.29	13.49
Borrowings	751.79	620.19	21.22
Other Liabilities & Provisions	1102.01	823.31	33.85
Total	32755.98	28646.52	14.35
Assets
Cash & Bank Balance	3219.97	1854.77	73.60
Balance with Bank and Money at Call & Short Notice	1217.27	1758.99	-30.80
Investments	8757.66	7392.19	18.47
Advances	18882.61	17079.94	10.55
Fixed Assets	192.00	183.44	4.67
Other Assets	486.47	377.19	28.97
Total	32755.98	28646.52	14.35

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Ratio Analysis

Particulars	Q 4 FY 07-08	Q 4 FY 06-07	Year Ended Mar 2008	Year Ended Mar 2007
Net Interest Margins (%) Annualized	3.18	3.36	2.95	2.97y6
Yield on Advances (%) Annualized	10.68	9.41	10.44	8.58
Yield on Investments (%) Annualized	6.89	7.61	6.70	6.20
Cost of Deposits (%) Annualized	5.91	4.74	5.85	4.50
Post Tax Return on Assets (%) Annualized	0.73	0.63	1.10	0.96
Post Tax Return on Average Net-worth (%) Annualized	10.36	8.97	16.68	14.42
Cost to Income Ratio (%)	33.47	42.66	38.24	40.13
Credit/Deposit (CD) Ratio (%)	66.04	67.79	66.04	67.79
CASA Ratio (%)	39.16	37.02	39.16	37.02
Business per Employee (Rs. In Lakh)	628.15	617.41	628.15	617.41
Net Profit per Employee (Rs. In Lakh)
Annualized	3.16	2.65	4.76	4.01
Number of Employees	7558	6847	7558	6847
Business Per Branch (Rs. In Crore)	93.46	93.73	93.46	93.73
Net Profit per Branch (Rs. in Lakh) Annualized	47.09	40.16	70.87	60.86
Branches- Excluding Extension Counters / Controlling Offices	508	451	508	451
Gross NPAs (Rs. in Crore)	485.23	501.83	485.23	501.83
Net NPAs (Rs. in Crore)	203.55	193.57	203.55	193.57
Gross NPA Ratio (%)	2.53	2.89	2.53	2.89
Net NPA Ratio (%)	1.08	1.13	1.08	1.13
NPA Coverage Ratio (%)	58.05	61.43	58.05	61.43
Capital Adequacy Ratio (%)	12.80	13.24	12.80	13.24
i. Tier I	12.14	12.60	12.14	12.60
ii. Tier II	0.66	0.64	0.66	0.64
Earning per Share (Rs.) Annualized	49.34	37.36	74.26	56.62
Net Asset Value (Rs.)	494.42	427.82	476.28	414.36
Adjusted Book Value (Rs.)	452.43	387.89	434.30	374.43

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::Welcome to Jammu and Kashmir Bank Limited ::