Jammu and Kashmir Bank Ltd

Jammu & Kashmir Bank announced that the 87th Annual General Meeting(AGM) of the bank will be held on 26 August 2025.Powered by Capital Market - Live

Profit before tax (PBT) rose 7.45% YoY to Rs 657.75 crore in Q1 June 2025. Net interest income (NII) grew 7% to Rs 1,465.43 crore in Q1 FY26 compared with Rs 1369.22 crore in Q1 FY25. Net Interest Margin (NIM) declined to 3.72% in Q1 FY26 as against 3.86% recorded in Q1 FY25. Total deposits increased 12.05% to Rs 1,48,542 crore as of 30th June 2025 compared with Rs 1,32,573 crore as of 30th June 2024. Net Advances grew 6.06% YoY to Rs 1,01,230.11 crore as of 30th June 2025 as against Rs 95,449.77 crore as of 30th June 2024. CASA ratio declined to 45.71% in Q1 FY26 compared with 49.77% in Q1 FY25. The gross non-performing asset (GNPA) fell 5.69% YoY to Rs 3,638.19 crore as on 30th June 2025, compared with Rs 3,857.59 crore as on 30th June 2024. Gross NPA ratio reduced to 3.50% in Q1 FY26 from 3.91% in Q1 FY25. The net NPA ratio stood at 0.82% as of 30th June 2025, as against Rs 0.78% as of 30th June 2024. The bank's capital adequacy ratio (CAR) stood at 15.98% in June'25. CET-1 at 12.69%, Tier- I stood at 13.68%. MD & CEO, Amitava Chatterjee, said, Despite tough situation on ground due to the Pahalgam terror attack along with its aftermath that affected business activity and credit offtake in key geographies well into June; we have been able to deliver a healthy bottom line growth of around 17%. The sudden decline in NIM should be viewed against the broader environment wherein repo rate cuts announced by the regulator impacted the margins. Pertinently, the profitability for Q1 is subdued on account of impairment provision of Rs 87 crore made in this quarter towards our investment in the RRB - Jammu and Kashmir Grameen Bank, necessitated by amalgamation of Ellaquai Dehati Bank with erstwhile J&K Grameen Bank w.e.f. 30th April 2025. Excluding this non-recurring impact, our profitability growth would be upwards of 30% YoY. This one time provision has also impacted our ROA and ROE, however on a normalised basis both metrics remain broadly in line with our expectation. On the asset quality front, as per our annual guidance, we plan to bring it to around 3% by the end of CFY through prudent lending, robust recovery mechanisms, and proactive monitoring using early warning systems and digital tools like our NPA tracker. With CAR almost 16%, we remain well capitalized and have an enabling board approval for raising further capital to fund our growth plans and seize emerging opportunities across our business segments.' J&K Bank offers banking services under the three major divisions of support services, depository services, and third-party services. The scrip declined 2.01% to end at Rs 109.45 on the BSE.Powered by Capital Market - Live

Net profit of Jammu and Kashmir Bank rose 15.78% to Rs 484.53 crore in the quarter ended June 2025 as against Rs 418.50 crore during the previous quarter ended June 2024. Total Operating Income rose 9.19% to Rs 3269.45 crore in the quarter ended June 2025 as against Rs 2994.36 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income3269.452994.36 9 OPM %67.5668.14 - PBDT659.36613.72 7 PBT659.36613.72 7 NP484.53418.50 16 Powered by Capital Market - Live

Jammu & Kashmir Bank will hold a meeting of the Board of Directors of the Company on 25 July 2025.Powered by Capital Market - Live

Total business stood at Rs 2,49,784.15 crore as of 30 June 2025, up 9.54%, compared with Rs 2,28,022.90 crore as of 30 June 2024. CASA deposits rose 2.90% YoY to Rs 67,900.54 crore as of 30 June 2025. CASA ratio was at 45.71% as of 30 June 2025 as against 49.77% as of 30 June 2024. Total deposits increased 10.24% to Rs 1,48,542.07 crore as of 30 June 2025, compared with Rs 1,32,573.13 crore as of 30 June 2024. Gross investment jumped 27.55% to Rs 43,310.58 crore as of 30 June 2025, compared with Rs 33,955.15 crore as of 30 June 2024. J&K Bank offers banking services under the three major divisions of support services, depository services, and third-party services. The company reported 8.47% decline in net profit to Rs 584.54 crore in Q4 FY25, compared with Rs 638.67 crore in Q4 FY24. Total income jumped 15.35% year on year to Rs 3,616.16 crore in Q4 FY25. Shares of Jammu & Kashmir Bank fell 2.14% to Rs 111.80 on the BSE. Powered by Capital Market - Live

Jammu & Kashmir Bank announced that the Board of Directors of the Company at its meeting held on 5 May 2025, inter alia, have recommended the final dividend of Rs 2.15 per equity Share (i.e. 215%) , subject to the approval of the shareholders.Powered by Capital Market - Live

Net profit of Jammu and Kashmir Bank declined 8.13% to Rs 581.91 crore in the quarter ended March 2025 as against Rs 633.44 crore during the previous quarter ended March 2024. Total Operating Income rose 10.41% to Rs 3213.39 crore in the quarter ended March 2025 as against Rs 2910.35 crore during the previous quarter ended March 2024. For the full year,net profit rose 17.53% to Rs 2081.79 crore in the year ended March 2025 as against Rs 1771.22 crore during the previous year ended March 2024. Total Operating Income rose 11.84% to Rs 12541.08 crore in the year ended March 2025 as against Rs 11213.20 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income3213.392910.35 10 12541.0811213.20 12 OPM %66.4675.78 -68.0467.41 - PBDT809.67830.41 -2 2938.682388.07 23 PBT809.67830.41 -2 2938.682388.07 23 NP581.91633.44 -8 2081.791771.22 18 Powered by Capital Market - Live

Jammu & Kashmir Bank will hold a meeting of the Board of Directors of the Company on 5 May 2025.Powered by Capital Market - Live

Spandana Sphoorty Financial Ltd, Blue Star Ltd, Alok Industries Ltd and Electronics Mart India Ltd are among the other losers in the BSE's 'A' group today, 23 April 2025.Jammu and Kashmir Bank Ltd tumbled 8.15% to Rs 104 at 14:47 IST.The stock was the biggest loser in the BSE's 'A' group.On the BSE, 12.78 lakh shares were traded on the counter so far as against the average daily volumes of 4.07 lakh shares in the past one month.Spandana Sphoorty Financial Ltd lost 6.45% to Rs 303.7. The stock was the second biggest loser in 'A' group.On the BSE, 1.68 lakh shares were traded on the counter so far as against the average daily volumes of 48766 shares in the past one month.Blue Star Ltd crashed 5.66% to Rs 1925. The stock was the third biggest loser in 'A' group.On the BSE, 34723 shares were traded on the counter so far as against the average daily volumes of 19740 shares in the past one month.Alok Industries Ltd corrected 5.17% to Rs 18.54. The stock was the fourth biggest loser in 'A' group.On the BSE, 39.54 lakh shares were traded on the counter so far as against the average daily volumes of 20.97 lakh shares in the past one month.Electronics Mart India Ltd shed 4.62% to Rs 146.45. The stock was the fifth biggest loser in 'A' group.On the BSE, 1.27 lakh shares were traded on the counter so far as against the average daily volumes of 54409 shares in the past one month.Powered by Capital Market - Live

Total business stood at Rs 2,52,779.14 crore as of 31st March 2024, up 10.61%, compared with Rs 2,28,537.40 crore as of 31st March 2024. CASA deposits rose 2.60% YoY to Rs 69,843.55 crore as of 31st March 2025. CASA was at 47.01% as of 31st March 2025 as against 50.51% as of 31st March 2024. Total deposits increased 10.24% to Rs 1,48,569.50 crore as of 31st March 2025, compared with Rs 1,34,774.89 crore as of 31st March 2024. Gross investment jumped 16.05% to Rs 41,783.74 crore as of 31st March 2025, compared with Rs 36,003.84 crore as of 31st March 2024. J&K Bank offers banking services under the three major divisions of support services, depository services, and third-party services. The bank reported a 26.23% jump in net profit to Rs 531.51 crore on a 12.57% increase in total income to Rs 3,448.40 crore in Q3 FY25 over Q3 FY24. Shares of Jammu & Kashmir Bank fell 2.46% to Rs 96.19 on the BSE. Powered by Capital Market - Live