Jammu & Kashmir Bank Ltd (J&KBANK) Financials - Quarterly Results, Profit & Loss, Balance Sheet, Cash Flow Jammu & Kashmir Bank Ltd reported sales of ₹- Cr, operating profit of ₹- Cr (OPM -) and net profit of ₹553 Cr for the quarter ended Sep 2026. Figures in ₹ crore, consolidated where available.
J&KBANK quarterly results (₹ Cr) Metric Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026 Revenue 3,210 3,213 3,269 3,293 3,315 3,273 3,547 3,729 Interest 1,697 1,732 1,803 1,858 1,824 1,784 2,049 2,225 Expenses 996 1,075 1,061 957 964 889 1,095 1,104 Financing Profit 516 406 406 479 527 600 403 400 Financing Margin 16 13 12 15 16 18 11 11 Other Income 242 403 253 156 280 262 217 318 Depreciation 0 0 0 0 0 0 0 0 Profit before tax 758 810 659 635 807 862 621 718 Tax 30% 28% 26% 22% 27% 7% 31% 24% Net Profit 529 582 485 495 581 799 429 553 EPS in Rs 4.8 5.28 4.4 4.49 5.28 7.25 3.89 5.02
J&KBANK profit & loss, annual (₹ Cr) Metric Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM Revenue 8,013 9,355 11,213 12,541 13,151 13,865 Interest 4,101 4,609 6,008 6,741 7,269 7,882 Expenses 3,774 3,567 3,437 3,834 3,741 4,053 Financing Profit 137 1,178 1,768 1,966 2,141 1,930 Financing Margin 2 13 16 16 16 14 Other Income 753 765 838 1,140 951 1,079 Depreciation 144 158 218 168 128 0 Profit before tax 747 1,786 2,388 2,939 2,964 3,008 Tax 32% 33% 26% 29% 20% - Net Profit 495 1,181 1,771 2,082 2,360 2,362 EPS in Rs 5.3 11.44 16.08 18.91 21.43 21.44 Dividend Payout 0% 4% 13% 11% 0% -
J&KBANK balance sheet (₹ Cr) Metric Mar 2024 Mar 2025 Sep 2025 Mar 2026 Sep 2026 Equity Capital 110 110 110 110 110 Reserves 12,083 14,098 14,826 16,390 17,433 Deposits 1,34,765 1,48,552 1,52,017 1,65,342 1,76,776 Borrowing 2,885 2,383 2,382 3,431 5,381 Other Liabilities 4,662 4,280 5,291 3,687 3,726 Total Liabilities 1,54,505 1,69,424 1,74,627 1,88,960 2,03,427 Fixed Assets 2,208 2,126 2,187 2,445 2,517 CWIP 50 66 0 88 0 Investments 34,900 41,122 44,209 40,520 45,648 Other Assets 1,17,347 1,26,110 1,28,231 1,45,906 1,55,262 Total Assets 1,54,505 1,69,424 1,74,627 1,88,960 2,03,427
J&KBANK cash flows (₹ Cr) Metric Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Cash from Operating Activity -1,568 -407 -853 2,723 -1,126 Cash from Investing Activity -85 -124 -257 -102 -302 Cash from Financing Activity 941 638 407 -1,034 -500 Net Cash Flow -712 107 -702 1,587 -1,928 Free Cash Flow -1,653 -531 -1,038 2,621 -1,595 CFO/OP -31% 1% -5% 40% -4%
J&KBANK ratios Metric Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 ROE 7 13 16 16 15