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J&K Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE168A01041
  • NSEID: J&KBANK
  • BSEID: 532209
INR
103.25
-0.35 (-0.34%)
BSENSE

Dec 05

BSE+NSE Vol: 16.65 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
12,535.86
11,212.37
9,355.11
8,013.48
8,111.09
8,446.29
7,675.56
Income On Investments
2,669.23
2,265.43
2,070.92
1,676.86
1,730.79
1,607.61
1,551.99
Interest On Balances With Rbi Other Inter Bank Funds
50.02
36.91
94.68
168.69
317.22
266.03
159.79
Interest / Discount On Advances / Bills
9,422.99
8,608.67
6,997.55
6,015.38
6,063.02
6,572.50
5,935.24
Others
393.62
301.36
191.96
152.55
0.06
0.15
28.54
Other Income
1,136.81
825.48
756.81
744.01
692.08
545.92
812.63
Total Income
13,672.67
12,037.85
10,111.92
8,757.49
8,803.17
8,992.21
8,488.19
Interest Expended
6,742.04
6,008.68
4,609.83
4,102.25
4,340.31
4,739.63
4,291.63
Net Interest Income
5,793.82
5,203.69
4,745.28
3,911.23
3,770.78
3,706.66
3,383.93
Total Expenditure (Excl Depreciation)
4,000.84
3,752.29
3,643.60
3,322.78
2,878.54
2,727.54
2,478.66
Employee Cost
2,780.36
2,571.56
2,703.66
2,401.93
2,059.38
1,886.05
1,646.18
Other Operating Expenses
1,220.48
1,180.73
939.94
920.85
819.16
841.49
832.48
Operating Profit Before Provisions and Contingencies
2,929.79
2,276.88
1,858.49
1,332.46
1,584.32
1,525.04
1,717.90
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
-3.91
-107.69
74.13
319.76
1,050.25
2,625.09
1,058.16
Profit Before Tax
2,933.70
2,384.57
1,784.36
742.70
534.07
-1,100.05
659.74
Tax
851.24
617.30
586.98
241.14
101.95
39.36
194.85
Profit After Tax
2,082.46
1,767.27
1,197.38
501.56
432.12
-1,139.41
464.89
Extraordinary Items
0.00
0.00
0.00
-182.34
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
2,082.46
1,767.27
1,197.38
683.90
432.12
-1,139.41
464.89
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
12,903.12
10,856.64
8,558.81
6,970.62
5,781.63
6,322.12
6,570.40
Earnings per share (EPS)
18.91
16.05
11.61
5.38
6.06
-15.97
8.35
Diluted Earnings per share
18.91
16.8
12.43
6.04
6.06
-15.97
8.35
Operating Profit Margin (Excl OI)
68.12%
67.49%
60.26%
51.18%
51.56%
36.63%
53.92%
Gross Profit Margin
23.4%
21.27%
19.07%
9.27%
6.58%
-13.02%
8.6%
PAT Margin
16.61%
15.76%
12.8%
6.26%
5.33%
-13.49%
6.06%
Net Interest Margin
3.92%
3.92%
3.89%
3.5%
3.51%
3.92%
3.84%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
47.01%
50.51%
54.1%
56.56%
56.84%
53.66%
50.7%
CASA Amount
69,844.00
68,073.00
66,017.98
64,874.61
61,424.94
52,469.32
45,442.63
Capital Adequacy Ratio (Total)
16.29%
15.33%
15.38%
13.23%
12.2%
11.4%
12.46%
Capital Adequacy Ratio (Tier 1)
13.96%
13.09%
12.34%
11.73%
10.28%
9.88%
10.6%
Provision Coverage Ratio (%)
90.28%
91.58%
86.2%
84.26%
81.97%
78.59%
64.3%
Amount of Gross NPAs
3,604.84
3,956.19
5,204.43
6,520.54
6,954.75
7,671.63
6,221.35
Amount of Net NPAs
818.07
736.85
1,334.24
1,750.10
1,969.33
2,243.82
3,239.61
% of Net NPAs
0.79%
0.79%
1.62%
2.49%
2.95%
3.48%
4.89%
% of Gross NPAs
3.37%
4.08%
6.04%
8.67%
9.67%
10.97%
8.97%
Public Share Holdings (%)
40.6%
40.6%
36.59%
29.88%
31.82%
31.82%
40.77%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1424.0
1417.0
1419.0
1403.0
1383.0
1354.0
1291.0
Number of Branches
1019.0
832.0
993.0
980.0
955.0
955.0
940.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2025 is 11.8% vs 19.85% in Mar 2024

stock-summary

Net Profit

YoY Growth in year ended Mar 2025 is 17.83% vs 47.59% in Mar 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 28.68% vs 22.51% in Mar 2024

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2025 is 0.00% vs -0.83% in Mar 2024

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -0.71% vs -1.96% in Mar 2024

Compare Annual Results Of J&K Bank With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
12,535.86
14,039.07
-1,503.21
-10.71%
Income On Investments
2,669.23
2,147.28
521.95
24.31%
Interest On Balances With Rbi Other Inter Bank Funds
50.02
302.45
-252.43
-83.46%
Interest / Discount On Advances / Bills
9,422.99
11,224.76
-1,801.77
-16.05%
Others
393.62
364.58
29.04
7.97%
Other Income
1,136.81
3,806.18
-2,669.37
-70.13%
Total Income
13,672.67
17,845.25
-4,172.58
-23.38%
Interest Expended
6,742.04
7,576.05
-834.01
-11.01%
Net Interest Income
5,793.82
6,463.02
-669.20
-10.35%
Total Expenditure (Excl Depreciation)
4,000.84
6,642.41
-2,641.57
-39.77%
Employee Cost
2,780.36
1,734.44
1,045.92
60.3%
Other Operating Expenses
1,220.48
4,907.97
-3,687.49
-75.13%
Operating Profit Before Provisions and Contingencies
2,929.79
3,626.79
-697.00
-19.22%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
-3.91
2,958.66
-2,962.57
-100.13%
Profit Before Tax
2,933.70
668.13
2,265.57
339.09%
Tax
851.24
-27.24
878.48
3224.96%
Profit After Tax
2,082.46
695.37
1,387.09
199.48%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
2,082.46
695.37
1,387.09
199.48%
Face Value
1.00
10.00
0.00
Reserves
12,903.12
14,998.42
-2,095.30
-13.97%
Earnings per share (EPS)
18.91
11.44
7.47
65.3%
Diluted Earnings per share
18.91
11.40
7.51
65.88%
Operating Profit Margin (Excl OI)
68.12%
31.61%
0.00
36.51%
Gross Profit Margin
23.40%
4.76%
0.00
18.64%
PAT Margin
16.61%
4.95%
0.00
11.66%
Net Interest Margin
3.92%
0.00%
3.92
3.92%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
47.01%
34.10%
12.91
12.91%
CASA Amount
69,844.00
37,886.00
31,958.00
84.35%
Capital Adequacy Ratio (Total)
16.29%
15.54%
0.75
0.75%
Capital Adequacy Ratio (Tier 1)
13.96%
14.06%
-0.10
-0.10%
Provision Coverage Ratio (%)
90.28%
89.00%
1.28
1.28%
Amount of Gross NPAs
3,604.84
2,465.47
1,139.37
46.21%
Amount of Net NPAs
818.07
270.79
547.28
202.1%
% of Net NPAs
0.79%
0.29%
0.50
0.50%
% of Gross NPAs
3.37%
2.60%
0.77
0.77%
Public Share Holdings (%)
40.60%
0.00%
40.60
40.60%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,424.00
412.00
1,012.00
245.63%
Number of Branches
1,019.00
561.00
458.00
81.64%
Annual - Interest Earned
Interest Earned 12535.86 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 11.8% vs 19.85% in Mar 2024

Annual - Net Profit
Net Profit 2,082.46 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 17.83% vs 47.59% in Mar 2024

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,929.79 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 28.68% vs 22.51% in Mar 2024

Annual - % of Net NPAs
% of Net NPAs 0.79%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is 0.00% vs -0.83% in Mar 2024

Annual - % of Gross NPAs
% of Gross NPAs 3.37%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -0.71% vs -1.96% in Mar 2024

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