Financials of Jammu and Kashmir Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Jammu and Kashmir Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2,5122,6572,7642,8812,9102,9943,1243,2103,2133,2693,2933,3153,273
Interest1,2621,3741,4301,6001,6041,6251,6871,6971,7321,8031,8581,8241,784
Expenses +7931,0629829067059549809961,0751,061958964889
Financing Profit457221352375602415456516406406477527600
Financing Margin %18%8%13%13%21%14%15%16%13%12%14%16%18%
Other Income +168230193186229198301242403253157280262
Depreciation0000000000000
Profit before tax625452545561830614757758810659635807862
Tax %24%28%30%25%23%32%27%30%28%26%22%27%7%
Net Profit +473331384423633418553529582485495581799
EPS in Rs4.583.213.723.845.753.805.024.805.284.404.495.287.25
Gross NPA %
Net NPA %

Financials of Jammu and Kashmir Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +7,0616,8446,6866,6217,6768,4468,1118,0139,35511,21312,54113,151
Interest4,4094,1324,1733,7504,2914,7394,3404,1014,6096,0086,7417,269
Expenses +2,3362,4664,4313,1543,4395,2343,8023,7743,5673,4373,8403,869
Financing Profit316245-1,919-283-55-1,527-301371,1781,7681,9602,013
Financing Margin %4%4%-29%-4%-1%-18%-0%2%13%16%16%15%
Other Income +5995094975018175097017537658381,147951
Depreciation956485971041261341441582181680
Profit before tax820689-1,507121659-1,1445377471,7862,3882,9392,964
Tax %38%40%8%-68%30%3%19%32%33%26%29%20%
Net Profit +508414-1,633203464-1,1834284951,1811,7712,0822,360
EPS in Rs10.498.54-31.323.648.33-16.596.015.3011.4416.0818.9121.43
Dividend Payout %20%20%0%0%0%0%0%0%4%13%11%0%

Financials of Jammu and Kashmir Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4848525656717193103110110110
Reserves6,0606,3725,6216,1026,5666,2746,7317,9849,79312,08314,09816,390
Deposits66,33669,37972,45980,00589,63797,786108,047114,703122,027134,765148,552165,342
Borrowing1,7402,2401,2761,6282,6242,0202,0152,3712,8922,8852,3833,431
Other Liabilities +1,7262,2142,6041,8942,5222,6783,4085,42511,0974,6624,2803,687
Total Liabilities75,91080,25482,01289,684101,405108,829120,273130,576145,913154,505169,424188,960
Fixed Assets +6557061,4791,5981,6462,0361,9711,9082,2242,2082,1262,533
CWIP34596417293541464750660
Investments22,74020,33421,27118,86023,14022,99030,77433,78534,78034,90041,12240,520
Other Assets +52,48159,15659,19869,21076,58983,76887,48694,837108,860117,347126,110145,906
Total Assets75,91080,25482,01289,684101,405108,829120,273130,576145,913154,505169,424188,960

Financials of Jammu and Kashmir Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +118-2192,4572,363-2,9924,374-14-1,568-407-8532,723-1,126
Cash from Investing Activity +-261-136-861-164-165-115-76-85-124-257-102-302
Cash from Financing Activity +-338-176593668769-339-199941638407-1,034-500
Net Cash Flow-480-5312,1892,867-2,3883,920-289-712107-7021,587-1,928
Free Cash Flow-131-3551,5962,199-3,1564,259-90-1,653-531-1,0382,621-1,595
CFO/OP10%4%112%73%-70%140%2%-31%1%-5%40%-4%

Financials of Jammu and Kashmir Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%7%-27%3%7%-18%7%7%13%16%16%15%