Quarterly Results Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Jun'26
Mar'26
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Interest Earned
3,546.00
3,271.67
3,313.44
3,291.82
3,268.27
3,211.85
3,206.08
Income On Investments
722.36
685.36
745.93
767.03
723.30
713.95
695.48
Interest On Balances With Rbi Other Inter Bank Funds
8.06
8.63
8.74
24.49
10.87
16.77
10.42
Interest / Discount On Advances / Bills
2,685.09
2,452.17
2,435.10
2,390.92
2,430.12
2,384.14
2,398.41
Others
130.49
125.51
123.67
109.38
103.98
96.99
101.77
Other Income
214.02
259.39
277.91
154.89
250.30
401.68
242.32
Total Income
3,760.02
3,531.06
3,591.35
3,446.71
3,518.57
3,613.53
3,448.40
Interest Expended
2,048.88
1,784.19
1,824.56
1,857.83
1,802.84
1,731.86
1,697.40
Net Interest Income
1,497.12
1,487.48
1,488.88
1,433.99
1,465.43
1,479.99
1,508.68
Total Expenditure (Excl Depreciation)
1,007.86
836.08
986.54
966.26
1,042.89
1,081.65
1,002.89
Employee Cost
651.16
509.16
658.72
645.89
660.90
734.33
701.21
Other Operating Expenses
356.70
326.92
327.82
320.37
381.99
347.32
301.68
Operating Profit Before Provisions and Contingencies
703.28
910.79
780.25
622.62
672.84
800.02
748.11
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
84.04
50.27
-25.81
-10.93
15.09
-9.16
-9.80
Profit Before Tax
619.24
860.52
806.06
633.55
657.75
809.18
757.91
Tax
195.06
62.72
219.33
139.44
172.91
224.64
226.40
Profit After Tax
424.18
797.80
586.73
494.11
484.84
584.54
531.51
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
424.18
797.80
586.73
494.11
484.84
584.54
531.51
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)
3.85
7.24
5.33
4.49
4.4
5.31
4.83
Diluted Earnings per share
3.85
7.24
5.33
4.49
4.4
5.31
4.83
Operating Profit Margin (Excl OI)
69.21%
72.91%
71.01%
70.98%
67.63%
66.61%
69.02%
Gross Profit Margin
17.46%
26.3%
24.33%
19.25%
20.13%
25.19%
23.64%
PAT Margin
11.96%
24.39%
17.71%
15.01%
14.83%
18.2%
16.58%
Net Interest Margin
3.28%
3.52%
3.62%
3.56%
3.72%
3.88%
4.04%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
42.06%
45.65%
44.1%
45.89%
45.71%
47.01%
48.17%
CASA Amount
72,944.00
75,478.00
68,736.00
69,774.00
67,901.00
69,844.00
67,888.00
Capital Adequacy Ratio (Total)
16.67%
16.55%
15.0%
15.27%
15.98%
16.29%
15.09%
Capital Adequacy Ratio (Tier 1)
14.78%
14.44%
12.77%
13.06%
13.68%
13.96%
12.71%
Provision Coverage Ratio (%)
90.53%
90.33%
90.46%
90.39%
90.09%
90.28%
89.67%
Amount of Gross NPAs
3,088.94
3,124.84
3,487.12
3,585.26
3,638.19
3,604.84
4,041.04
Amount of Net NPAs
769.31
785.13
776.36
795.94
829.02
818.07
898.08
% of Net NPAs
0.6%
0.64%
0.68%
0.76%
0.82%
0.79%
0.94%
% of Gross NPAs
2.37%
2.5%
3.0%
3.32%
3.5%
3.37%
4.08%
Public Share Holdings (%)
40.6%
40.6%
40.6%
40.6%
40.6%
40.6%
40.6%
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
1445.0
1437.0
1436.0
1428.0
1424.0
1424.0
1423.0
Number of Branches
1008.0
1017.0
1017.0
1015.0
1019.0
1019.0
1012.0
Quarterly Analysis Highlights - QoQ
Interest Earned
QoQ Growth in quarter ended Jun 2026 is 8.39% vs -1.26% in Mar 2026
Net Profit
QoQ Growth in quarter ended Jun 2026 is -46.83% vs 35.97% in Mar 2026
Operating Profit (PBDIT)
QoQ Growth in quarter ended Jun 2026 is -22.78% vs 16.73% in Mar 2026
% of Net NPAs
QoQ Growth in quarter ended Jun 2026 is -0.04% vs -0.04% in Mar 2026
% of Gross NPAs
QoQ Growth in quarter ended Jun 2026 is -0.13% vs -0.50% in Mar 2026
Compare Quarterly Results Of J&K Bank With
Figures in Cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
3,546.00
1,984.99
1,561.01
78.64%
Income On Investments
722.36
314.81
407.55
129.46%
Interest On Balances With Rbi Other Inter Bank Funds
8.06
40.95
-32.89
-80.32%
Interest / Discount On Advances / Bills
2,685.09
1,629.06
1,056.03
64.82%
Others
130.49
0.16
130.33
81456.25%
Other Income
214.02
243.59
-29.57
-12.14%
Total Income
3,760.02
2,228.57
1,531.45
68.72%
Interest Expended
2,048.88
1,164.85
884.03
75.89%
Net Interest Income
1,497.12
820.14
676.98
82.54%
Total Expenditure (Excl Depreciation)
1,007.86
483.15
524.71
108.6%
Employee Cost
651.16
234.73
416.43
177.41%
Other Operating Expenses
356.70
248.42
108.28
43.59%
Operating Profit Before Provisions and Contingencies
703.28
580.57
122.71
21.14%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
84.04
78.00
6.04
7.74%
Profit Before Tax
619.24
502.57
116.67
23.21%
Tax
195.06
120.00
75.06
62.55%
Profit After Tax
424.18
382.57
41.61
10.88%
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
424.18
382.57
41.61
10.88%
Face Value
1.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
3.85
3.86
-0.01
-0.26%
Diluted Earnings per share
3.85
3.85
0.00
Operating Profit Margin (Excl OI)
69.21%
71.73%
0.00
-2.52%
Gross Profit Margin
17.46%
25.32%
0.00
-7.86%
PAT Margin
11.96%
19.27%
0.00
-7.31%
Net Interest Margin
3.28%
3.78%
-0.50
-0.50%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
42.06%
0.00%
42.06
42.06%
CASA Amount
72,944.00
0.00
72,944.00
Capital Adequacy Ratio (Total)
16.67%
21.73%
-5.06
-5.06%
Capital Adequacy Ratio (Tier 1)
14.78%
20.97%
-6.19
-6.19%
Provision Coverage Ratio (%)
90.53%
85.00%
5.53
5.53%
Amount of Gross NPAs
3,088.94
1,169.74
1,919.20
164.07%
Amount of Net NPAs
769.31
405.20
364.11
89.86%
% of Net NPAs
0.60%
0.61%
-0.01
-0.01%
% of Gross NPAs
2.37%
1.73%
0.64
0.64%
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
1,445.00
0.00
1,445.00
Number of Branches
1,008.00
1,000.00
8.00
0.8%
Quarterly - Interest Earned
Interest Earned 3546.0 Cr
in Jun 2026Figures in Cr
QoQ Growth in quarter ended Jun 2026 is 8.39% vs -1.26% in Mar 2026
YoY Growth in quarter ended Jun 2026 is 8.5% vs 9.15% in Jun 2025
Quarterly - Net Profit
Net Profit 424.18 Cr
in Jun 2026Figures in Cr
QoQ Growth in quarter ended Jun 2026 is -46.83% vs 35.97% in Mar 2026
YoY Growth in quarter ended Jun 2026 is -12.51% vs 16.69% in Jun 2025
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 703.28 Cr
in Jun 2026Figures in Cr
QoQ Growth in quarter ended Jun 2026 is -22.78% vs 16.73% in Mar 2026
YoY Growth in quarter ended Jun 2026 is 4.52% vs 13.15% in Jun 2025
Quarterly - % of Net NPAs
% of Net NPAs 0.60%
in Jun 2026Figures in %
QoQ Growth in quarter ended Jun 2026 is -0.04% vs -0.04% in Mar 2026
YoY Growth in quarter ended Jun 2026 is -0.22% vs 0.06% in Jun 2025
Quarterly - % of Gross NPAs
% of Gross NPAs 2.37%
in Jun 2026Figures in %
QoQ Growth in quarter ended Jun 2026 is -0.13% vs -0.50% in Mar 2026
YoY Growth in quarter ended Jun 2026 is -1.13% vs -0.41% in Jun 2025
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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