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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

3,313.44

3,291.82

3,268.27

3,211.85

3,206.08

3,123.55

2,994.38

Income On Investments

745.93

767.03

723.30

713.95

695.48

649.41

610.39

Interest On Balances With Rbi Other Inter Bank Funds

8.74

24.49

10.87

16.77

10.42

18.52

4.31

Interest / Discount On Advances / Bills

2,435.10

2,390.92

2,430.12

2,384.14

2,398.41

2,357.76

2,282.68

Others

123.67

109.38

103.98

96.99

101.77

97.86

97.00

Other Income

279.46

154.89

250.30

404.31

242.32

296.08

194.10

Total Income

3,592.90

3,446.71

3,518.57

3,616.16

3,448.40

3,419.63

3,188.48

Interest Expended

1,824.56

1,857.83

1,802.84

1,731.86

1,697.40

1,687.62

1,625.16

Net Interest Income

1,488.88

1,433.99

1,465.43

1,479.99

1,508.68

1,435.93

1,369.22

Total Expenditure (Excl Depreciation)

988.09

966.26

1,042.89

1,084.28

1,002.89

945.02

968.65

Employee Cost

656.54

645.89

660.90

731.73

701.21

657.89

689.53

Other Operating Expenses

331.55

320.37

381.99

352.55

301.68

287.13

279.12

Operating Profit Before Provisions and Contingencies

780.25

622.62

672.84

800.02

748.11

786.99

594.67

Exceptional Items

0.00

Provisions and contingencies

-25.81

-10.93

15.09

-9.16

-9.80

32.53

-17.48

Profit Before Tax

806.06

633.55

657.75

809.18

757.91

754.46

612.15

Tax

219.33

139.44

172.91

224.64

226.40

203.54

196.66

Profit After Tax

586.73

494.11

484.84

584.54

531.51

550.92

415.49

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

586.73

494.11

484.84

584.54

531.51

550.92

415.49

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

5.33

4.49

4.4

5.31

4.83

5.0

3.77

Diluted Earnings per share

5.33

4.49

4.4

5.31

4.83

5.0

3.77

Operating Profit Margin (Excl OI)

70.96%

70.98%

67.63%

66.53%

69.02%

68.7%

68.23%

Gross Profit Margin

24.33%

19.25%

20.13%

25.19%

23.64%

24.15%

20.44%

PAT Margin

17.71%

15.01%

14.83%

18.2%

16.58%

17.64%

13.88%

Net Interest Margin

3.62%

3.56%

3.72%

3.88%

4.04%

3.9%

3.86%

Return on Assets

0.0%

CASA (%)

44.1%

45.89%

45.71%

47.01%

48.17%

48.6%

49.77%

CASA Amount

68,736.00

69,774.00

67,901.00

69,844.00

67,888.00

67,035.00

65,981.00

Capital Adequacy Ratio (Total)

15.0%

15.27%

15.98%

16.29%

15.09%

14.99%

15.07%

Capital Adequacy Ratio (Tier 1)

12.77%

13.06%

13.68%

13.96%

12.71%

12.7%

12.81%

Provision Coverage Ratio (%)

90.46%

90.39%

90.09%

90.28%

89.67%

90.54%

91.57%

Amount of Gross NPAs

3,487.12

3,585.26

3,638.19

3,604.84

4,041.04

3,916.26

3,857.59

Amount of Net NPAs

776.36

795.94

829.02

818.07

898.08

813.39

727.58

% of Net NPAs

0.68%

0.76%

0.82%

0.79%

0.94%

0.85%

0.76%

% of Gross NPAs

3.0%

3.32%

3.5%

3.37%

4.08%

3.95%

3.91%

Public Share Holdings (%)

40.6%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1436.0

1428.0

1424.0

1423.0

1424.0

1425.0

Number of Branches

1017.0

1015.0

1019.0

1012.0

1008.0

1006.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 0.66% vs 0.72% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 18.74% vs 1.91% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 25.32% vs -7.46% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.08% vs -0.06% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.32% vs -0.18% in Sep 2025

Compare Quarterly Results Of J&K Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,313.44

2,517.53

795.91

31.61%

Income On Investments

745.93

497.60

248.33

49.91%

Interest On Balances With Rbi Other Inter Bank Funds

8.74

48.30

-39.56

-81.9%

Interest / Discount On Advances / Bills

2,435.10

1,963.00

472.10

24.05%

Others

123.67

8.63

115.04

1333.02%

Other Income

279.46

485.93

-206.47

-42.49%

Total Income

3,592.90

3,003.46

589.44

19.63%

Interest Expended

1,824.56

1,636.85

187.71

11.47%

Net Interest Income

1,488.88

880.68

608.20

69.06%

Total Expenditure (Excl Depreciation)

988.09

782.28

205.81

26.31%

Employee Cost

656.54

428.69

227.85

53.15%

Other Operating Expenses

331.55

353.59

-22.04

-6.23%

Operating Profit Before Provisions and Contingencies

780.25

584.33

195.92

33.53%

Exceptional Items

0.00

Provisions and contingencies

-25.81

80.41

-106.22

-132.1%

Profit Before Tax

806.06

503.92

302.14

59.96%

Tax

219.33

129.60

89.73

69.24%

Profit After Tax

586.73

374.32

212.41

56.75%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

586.73

374.32

212.41

56.75%

Face Value

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

5.33

1.43

3.90

272.73%

Diluted Earnings per share

5.33

1.43

3.90

272.73%

Operating Profit Margin (Excl OI)

70.96%

65.73%

0.00

5.23%

Gross Profit Margin

24.33%

20.02%

0.00

4.31%

PAT Margin

17.71%

14.87%

0.00

2.84%

Net Interest Margin

3.62%

2.86%

0.76

0.76%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

44.10%

31.84%

12.26

12.26%

CASA Amount

68,736.00

37,640.00

31,096.00

82.61%

Capital Adequacy Ratio (Total)

15.00%

17.84%

-2.84

-2.84%

Capital Adequacy Ratio (Tier 1)

12.77%

16.88%

-4.11

-4.11%

Provision Coverage Ratio (%)

90.46%

91.57%

-1.11

-1.11%

Amount of Gross NPAs

3,487.12

2,581.50

905.62

35.08%

Amount of Net NPAs

776.36

425.90

350.46

82.29%

% of Net NPAs

0.68%

0.45%

0.23

0.23%

% of Gross NPAs

3.00%

2.67%

0.33

0.33%

Public Share Holdings (%)

40.60%

0.00%

40.60

40.60%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,436.00

1,269.00

167.00

13.16%

Number of Branches

1,017.00

948.00

69.00

7.28%

Quarterly - Interest Earned

Interest Earned 3313.44 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 0.66% vs 0.72% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 3.35% vs 11.29% in Dec 2024

Quarterly - Net Profit

Net Profit 586.73 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 18.74% vs 1.91% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 10.39% vs 26.23% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 780.25 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 25.32% vs -7.46% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 4.30% vs 35.89% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.68%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.08% vs -0.06% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.26% vs 0.11% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 3.00%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.32% vs -0.18% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -1.08% vs -0.76% in Dec 2024