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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-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
6,560.09
6,117.93
5,421.23
4,402.17
3,980.76
4,083.16
4,222.84
Income On Investments
1,490.33
1,259.80
1,128.66
984.28
834.17
865.21
800.89
Interest On Balances With Rbi Other Inter Bank Funds
35.36
22.83
21.28
54.63
162.78
160.73
97.28
Interest / Discount On Advances / Bills
4,821.04
4,640.44
4,143.15
3,283.64
2,983.54
3,057.22
3,324.62
Others
213.36
194.86
128.14
79.62
0.27
0.00
0.05
Other Income
405.19
490.18
418.58
348.68
377.36
269.25
296.35
Total Income
6,965.28
6,608.11
5,839.81
4,750.85
4,358.12
4,352.41
4,519.19
Interest Expended
3,660.67
3,312.78
2,804.10
2,163.82
2,038.33
2,234.93
2,378.08
Net Interest Income
2,899.42
2,805.15
2,617.13
2,238.35
1,942.43
1,848.23
1,844.76
Total Expenditure (Excl Depreciation)
2,009.15
1,913.67
1,973.19
1,722.25
1,648.72
1,384.07
1,333.76
Employee Cost
1,306.79
1,347.42
1,453.01
1,264.15
1,209.81
1,009.90
928.20
Other Operating Expenses
702.36
566.25
520.18
458.10
438.91
374.17
405.56
Operating Profit Before Provisions and Contingencies
1,295.46
1,381.66
1,062.52
864.78
671.07
733.41
807.35
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
4.16
15.05
66.79
222.29
353.88
591.29
1,721.38
Profit Before Tax
1,291.30
1,366.61
995.73
642.49
317.19
142.12
-914.03
Tax
312.35
400.20
288.21
233.03
101.78
91.69
-19.09
Profit After Tax
978.95
966.41
707.52
409.46
215.41
50.43
-894.94
Extraordinary Items
0.00
0.00
0.00
0.00
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
978.95
966.41
707.52
409.46
215.41
50.43
-894.94
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
8.89
8.78
6.86
4.26
2.31
0.71
-16.07
Diluted Earnings per share
8.89
8.78
6.86
4.26
2.95
0.71
-16.07
Operating Profit Margin (Excl OI)
69.31%
68.47%
62.37%
55.83%
49.69%
51.62%
27.65%
Gross Profit Margin
19.68%
22.34%
18.37%
14.59%
7.97%
3.48%
-21.64%
PAT Margin
14.92%
15.8%
13.05%
9.3%
5.41%
1.24%
-21.19%
Net Interest Margin
3.56%
3.9%
2.02%
1.87%
1.75%
1.81%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
45.89%
48.6%
50.61%
54.69%
55.34%
53.32%
0.0%
CASA Amount
69,774.00
67,035.00
64,069.27
63,279.94
58,807.69
53,574.15
0.00
Capital Adequacy Ratio (Total)
15.27%
14.99%
14.53%
12.86%
12.8%
11.86%
11.17%
Capital Adequacy Ratio (Tier 1)
13.06%
12.7%
11.68%
11.34%
11.04%
10.05%
9.46%
Provision Coverage Ratio (%)
90.39%
90.54%
89.99%
85.58%
81.57%
80.4%
71.46%
Amount of Gross NPAs
3,585.26
3,916.26
4,826.68
6,064.68
6,524.87
6,317.09
7,473.29
Amount of Net NPAs
795.94
813.39
917.36
1,566.77
2,063.65
2,023.32
2,942.04
% of Net NPAs
0.76%
0.85%
1.04%
2.1%
3.02%
3.03%
4.48%
% of Gross NPAs
3.32%
3.95%
5.26%
7.67%
8.95%
8.87%
10.64%
Public Share Holdings (%)
40.6%
40.6%
36.59%
31.97%
29.88%
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
1428.0
1424.0
1411.0
1422.0
1391.0
1374.0
0.0
Number of Branches
1015.0
1008.0
1001.0
983.0
973.0
955.0
0.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is 7.23% vs 12.85% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is 1.30% vs 36.59% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is -6.24% vs 30.04% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is -0.09% vs -0.19% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is -0.63% vs -1.31% in Sep 2024

Compare Half Yearly Results Of J&K Bank With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
6,560.09
6,948.56
-388.47
-5.59%
Income On Investments
1,490.33
1,068.85
421.48
39.43%
Interest On Balances With Rbi Other Inter Bank Funds
35.36
131.57
-96.21
-73.12%
Interest / Discount On Advances / Bills
4,821.04
5,640.28
-819.24
-14.52%
Others
213.36
107.86
105.50
97.81%
Other Income
405.19
2,002.18
-1,596.99
-79.76%
Total Income
6,965.28
8,950.74
-1,985.46
-22.18%
Interest Expended
3,660.67
3,917.22
-256.55
-6.55%
Net Interest Income
2,899.42
3,031.34
-131.92
-4.35%
Total Expenditure (Excl Depreciation)
2,009.15
3,602.18
-1,593.03
-44.22%
Employee Cost
1,306.79
959.46
347.33
36.2%
Other Operating Expenses
702.36
2,642.72
-1,940.36
-73.42%
Operating Profit Before Provisions and Contingencies
1,295.46
1,431.34
-135.88
-9.49%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
4.16
942.02
-937.86
-99.56%
Profit Before Tax
1,291.30
489.32
801.98
163.9%
Tax
312.35
110.47
201.88
182.75%
Profit After Tax
978.95
378.85
600.10
158.4%
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
978.95
378.85
600.10
158.4%
Face Value
1.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
8.89
6.18
2.71
43.85%
Diluted Earnings per share
8.89
6.14
2.75
44.79%
Operating Profit Margin (Excl OI)
69.31%
34.60%
0.00
34.71%
Gross Profit Margin
19.68%
7.04%
0.00
12.64%
PAT Margin
14.92%
5.45%
0.00
9.47%
Net Interest Margin
3.56%
0.00%
3.56
3.56%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
45.89%
31.90%
13.99
13.99%
CASA Amount
69,774.00
37,169.00
32,605.00
87.72%
Capital Adequacy Ratio (Total)
15.27%
14.71%
0.56
0.56%
Capital Adequacy Ratio (Tier 1)
13.06%
13.51%
-0.45
-0.45%
Provision Coverage Ratio (%)
90.39%
75.92%
14.47
14.47%
Amount of Gross NPAs
3,585.26
2,377.56
1,207.70
50.8%
Amount of Net NPAs
795.94
572.41
223.53
39.05%
% of Net NPAs
0.76%
0.57%
0.19
0.19%
% of Gross NPAs
3.32%
2.32%
1.00
1.00%
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
1,428.00
415.00
1,013.00
244.1%
Number of Branches
1,015.00
564.00
451.00
79.96%
Half Yearly - Interest Earned
Interest Earned 6560.09 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 7.23% vs 12.85% in Sep 2024

Half Yearly - Net Profit
Net Profit 978.95 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 1.30% vs 36.59% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,295.46 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -6.24% vs 30.04% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 0.76%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.09% vs -0.19% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 3.32%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.63% vs -1.31% in Sep 2024

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