How has been the historical performance of J&K Bank?

Answer:The historical performance of J&K Bank shows a significant upward trend in key financial metrics over the years, particularly from March 2021 to March 2025.

Breakdown:
J&K Bank's interest earned has steadily increased from INR 8,446.29 crore in March 2020 to INR 12,535.86 crore in March 2025, reflecting a strong growth trajectory. The net interest income also rose from INR 3,706.66 crore in March 2020 to INR 5,793.82 crore in March 2025. Total income followed suit, climbing from INR 8,992.21 crore in March 2020 to INR 13,672.67 crore in March 2025. The bank's profit before tax surged from a loss of INR 1,100.05 crore in March 2020 to a profit of INR 2,933.70 crore in March 2025, while profit after tax increased from a loss of INR 1,139.41 crore to INR 2,082.46 crore in the same period. The net profit margin improved significantly, reaching 16.61% in March 2025, up from negative margins in previous years. The bank's total assets grew from INR 1,01,406.30 crore in March 2019 to INR 1,54,526.58 crore in March 2024, indicating robust asset management. Additionally, the capital adequacy ratio improved to 16.29% in March 2025 from 11.4% in March 2020, showcasing a solid capital position. Overall, J&K Bank has demonstrated a remarkable recovery and growth in its financial performance over the past several years.