The Jammu & Kashmir Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

3,271.67

3,313.44

3,291.82

3,268.27

3,211.85

3,206.08

3,123.55

Income On Investments

685.36

745.93

767.03

723.30

713.95

695.48

649.41

Interest On Balances With Rbi Other Inter Bank Funds

8.63

8.74

24.49

10.87

16.77

10.42

18.52

Interest / Discount On Advances / Bills

2,452.17

2,435.10

2,390.92

2,430.12

2,384.14

2,398.41

2,357.76

Others

125.51

123.67

109.38

103.98

96.99

101.77

97.86

Other Income

259.39

277.91

154.89

250.30

401.68

242.32

296.08

Total Income

3,531.06

3,591.35

3,446.71

3,518.57

3,613.53

3,448.40

3,419.63

Interest Expended

1,784.19

1,824.56

1,857.83

1,802.84

1,731.86

1,697.40

1,687.62

Net Interest Income

1,487.48

1,488.88

1,433.99

1,465.43

1,479.99

1,508.68

1,435.93

Total Expenditure (Excl Depreciation)

836.08

986.54

966.26

1,042.89

1,081.65

1,002.89

945.02

Employee Cost

509.16

658.72

645.89

660.90

734.33

701.21

657.89

Other Operating Expenses

326.92

327.82

320.37

381.99

347.32

301.68

287.13

Operating Profit Before Provisions and Contingencies

910.79

780.25

622.62

672.84

800.02

748.11

786.99

Exceptional Items

0.00

Provisions and contingencies

50.27

-25.81

-10.93

15.09

-9.16

-9.80

32.53

Profit Before Tax

860.52

806.06

633.55

657.75

809.18

757.91

754.46

Tax

62.72

219.33

139.44

172.91

224.64

226.40

203.54

Profit After Tax

797.80

586.73

494.11

484.84

584.54

531.51

550.92

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

797.80

586.73

494.11

484.84

584.54

531.51

550.92

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

7.24

5.33

4.49

4.4

5.31

4.83

5.0

Diluted Earnings per share

7.24

5.33

4.49

4.4

5.31

4.83

5.0

Operating Profit Margin (Excl OI)

72.91%

71.01%

70.98%

67.63%

66.61%

69.02%

68.7%

Gross Profit Margin

26.3%

24.33%

19.25%

20.13%

25.19%

23.64%

24.15%

PAT Margin

24.39%

17.71%

15.01%

14.83%

18.2%

16.58%

17.64%

Net Interest Margin

0.0%

3.62%

3.56%

3.72%

3.88%

4.04%

3.9%

Return on Assets

0.0%

CASA (%)

0.0%

44.1%

45.89%

45.71%

47.01%

48.17%

48.6%

CASA Amount

0.00

68,736.00

69,774.00

67,901.00

69,844.00

67,888.00

67,035.00

Capital Adequacy Ratio (Total)

16.55%

15.0%

15.27%

15.98%

16.29%

15.09%

14.99%

Capital Adequacy Ratio (Tier 1)

14.44%

12.77%

13.06%

13.68%

13.96%

12.71%

12.7%

Provision Coverage Ratio (%)

0.0%

90.46%

90.39%

90.09%

90.28%

89.67%

90.54%

Amount of Gross NPAs

3,124.84

3,487.12

3,585.26

3,638.19

3,604.84

4,041.04

3,916.26

Amount of Net NPAs

785.13

776.36

795.94

829.02

818.07

898.08

813.39

% of Net NPAs

0.64%

0.68%

0.76%

0.82%

0.79%

0.94%

0.85%

% of Gross NPAs

2.5%

3.0%

3.32%

3.5%

3.37%

4.08%

3.95%

Public Share Holdings (%)

0.0%

40.6%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

1436.0

1428.0

1424.0

1423.0

1424.0

Number of Branches

0.0

1017.0

1015.0

1019.0

1012.0

1008.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is -1.26% vs 0.66% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 35.97% vs 18.74% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 16.73% vs 25.32% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.04% vs -0.08% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.50% vs -0.32% in Dec 2025

Compare Quarterly Results Of J&K Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,271.67

1,855.62

1,416.05

76.31%

Income On Investments

685.36

311.41

373.95

120.08%

Interest On Balances With Rbi Other Inter Bank Funds

8.63

28.52

-19.89

-69.74%

Interest / Discount On Advances / Bills

2,452.17

1,515.47

936.70

61.81%

Others

125.51

0.22

125.29

56950.0%

Other Income

259.39

290.48

-31.09

-10.7%

Total Income

3,531.06

2,146.09

1,384.97

64.53%

Interest Expended

1,784.19

1,069.78

714.41

66.78%

Net Interest Income

1,487.48

785.84

701.64

89.29%

Total Expenditure (Excl Depreciation)

836.08

496.74

339.34

68.31%

Employee Cost

509.16

234.61

274.55

117.02%

Other Operating Expenses

326.92

262.13

64.79

24.72%

Operating Profit Before Provisions and Contingencies

910.79

579.56

331.23

57.15%

Exceptional Items

0.00

Provisions and contingencies

50.27

120.00

-69.73

-58.11%

Profit Before Tax

860.52

459.56

400.96

87.25%

Tax

62.72

100.00

-37.28

-37.28%

Profit After Tax

797.80

359.56

438.24

121.88%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

797.80

359.56

438.24

121.88%

Face Value

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

7.24

4.84

2.40

49.59%

Diluted Earnings per share

7.24

4.83

2.41

49.9%

Operating Profit Margin (Excl OI)

72.91%

66.76%

0.00

6.15%

Gross Profit Margin

26.30%

24.77%

0.00

1.53%

PAT Margin

24.39%

19.38%

0.00

5.01%

Net Interest Margin

0.00%

3.87%

-3.87

-3.87%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

0.00

0.00%

CASA Amount

0.00

21,644.10

-21,644.10

-100.0%

Capital Adequacy Ratio (Total)

16.55%

21.92%

-5.37

-5.37%

Capital Adequacy Ratio (Tier 1)

14.44%

20.82%

-6.38

-6.38%

Provision Coverage Ratio (%)

0.00%

84.00%

-84.00

-84.00%

Amount of Gross NPAs

3,124.84

1,273.08

1,851.76

145.46%

Amount of Net NPAs

785.13

449.42

335.71

74.7%

% of Net NPAs

0.64%

0.68%

-0.04

-0.04%

% of Gross NPAs

2.50%

1.91%

0.59

0.59%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

1,764.00

-1,764.00

-100.0%

Number of Branches

0.00

949.00

-949.00

-100.0%

Quarterly - Interest Earned

Interest Earned 3271.67 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -1.26% vs 0.66% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 1.86% vs 10.37% in Mar 2025

Quarterly - Net Profit

Net Profit 797.80 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 35.97% vs 18.74% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 36.48% vs -8.48% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 910.79 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 16.73% vs 25.32% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 13.85% vs 20.52% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.64%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.04% vs -0.08% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.15% vs 0.00% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.50%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.50% vs -0.32% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.87% vs -0.71% in Mar 2025