Jammu and Kashmir Bank Limited — Quarter and financial year ended 31 March 2026
| Schedule | Capital and Liabilities / Assets | As at 31.03.2026 (AUDITED) | As at 31.03.2025 (AUDITED) |
|---|---|---|---|
| CAPITAL AND LIABILITIES | |||
| 1 | Capital | 110.13 | 110.13 |
| 2 | Reserves and Surplus | 16,639.73 | 14,141.81 |
| 3 | Deposits | 1,65,354.00 | 1,48,569.46 |
| 4 | Borrowings | 3,431.00 | 2,382.84 |
| 5 | Other Liabilities and Provisions | 3,659.13 | 4,264.23 |
| TOTAL :- | 1,89,193.99 | 1,69,468.47 | |
| ASSETS | |||
| 6 | Cash and Balance with Reserve Bank of India | 7,621.87 | 7,385.48 |
| 7 | Balance with Banks & Money at Call & Short Notice | 203.93 | 2,374.37 |
| 8 | Investments | 40,821.86 | 41,212.66 |
| 9 | Advances | 1,22,641.02 | 1,04,198.72 |
| 10 | Fixed Assets | 2,532.49 | 2,191.22 |
| 11 | Other Assets | 15,372.82 | 12,106.02 |
| TOTAL :- | 1,89,193.99 | 1,69,468.47 |
| Chartered Accountants | FRN | Partner | M.No. | UDIN |
|---|---|---|---|---|
| FOR GUPTA GUPTA & ASSOCIATES LLP | 001728N/N500321 | CA. Akshay Magotra | 559146 | 26559146QQPAPB2261 |
| FOR J C R & CO LLP | 105270W/W100846 | CA. Rakesh Kaushik | 089562 | 26089562WPQMQB2177 |
| FOR DHAR TIKU & CO | 003423N | CA. S.K Shah | 532394 | 26532394XHMZMB4091 |
| FOR GUPTA SHARMA & ASSOCIATES | 001466N | CA. Vinay Sharma | 085242 | 26098262AQCNSH5016 |
| S.No. | PARTICULARS | QUARTER ENDED | YEAR ENDED |
|---|---|---|---|
| 31.03.2026 (AUDITED) | 31.12.2025 (REVIEWED) | ||
| 1 | Interest Earned (a+b+c+d) | 3,271.67 | 3,313.44 |
| a) Interest/Discount on Advances/Bills | 2,452.17 | 2,435.10 | |
| b) Income on Investments | 685.36 | 745.93 | |
| c) Interest on Balance with R.B.I & Other Inter Bank Funds | 8.63 | 8.74 | |
| d) Others | 125.51 | 123.67 | |
| 2 | Other Income | 259.39 | 277.91 |
| 3 | Total Income (1+2) | 3,531.06 | 3,591.35 |
| 4 | Interest Expended | 1,784.19 | 1,824.56 |
| 5 | Operating Expenses (I+II) | 836.08 | 986.54 |
| I. Employees Cost | 509.16 | 658.72 | |
| II. Other Operating Expenses | 326.92 | 327.82 | |
| 6 | Total Expenditure (4+5) (Excluding Provisions & Contingencies) | 2,620.27 | 2,811.10 |
| 7 | Operating Profit before Provisions and Contingencies (3-6) | 910.79 | 760.25 |
| 8 | Provisions (other than tax) and Contingencies | 50.27 | (25.81) |
| 9 | – Of which provisions for NPA (Prov. For Bad & Doubtful Debts) | 46.16 | (77.93) |
| 10 | Exceptional Items | – | – |
| 11 | Profit (+)/Loss (-) from ordinary activities before tax (7-8-10) | 860.52 | 806.06 |
| 12 | Tax Expenses | 62.72 | 219.33 |
| – Income Tax Provisions (incl. current tax) | 198.32 | 225.37 | |
| – Deferred Tax Asset/(Liability) | (135.60) | (6.04) | |
| 13 | Profit (+)/loss (-) from ordinary activities after tax (11-12) | 797.80 | 586.73 |
| 14 | Extraordinary items (net of tax expenses) | – | – |
| 15 | Net Profit (+)/Loss (-) for the period (13-14) | 797.80 | 586.73 |
| 16 | Paid-up Equity Share Capital (Face Value Rs. 1/- per share) | 110.13 | 110.13 |
| 17 | Reserves excluding Revaluation Reserves | ||
| 18 | Revaluation Reserves | ||
| 19 | Analytical Ratios | ||
| (i) Percentage of Shares held by Govt. of J&K | 59.40% | 59.40% | |
| (ii) Capital Adequacy Ratio % (BASEL III) | 16.55% | 15.00% | |
| – (CET1 Ratio) | 13.54% | 11.84% | |
| – (TIER 1 Ratio) | 14.44% | 12.77% | |
| (iii) Earning per Share (EPS) (Rs.) | |||
| a) Basic and diluted EPS before Extraordinary items (net of tax expense) for the period, for the year to date and for the date and for the previous year (*not annualized) | 7.24* | 5.33* | |
| b) Basic and diluted EPS after Extraordinary items for the period, for the year to date and for the previous year (* not annualized) | 7.24* | 5.33* | |
| (iv) NPA Ratios | |||
| a) Amount of Gross NPAs | 3,124.84 | 3,487.12 | |
| b) Amount of Net NPAs | 785.13 | 776.36 | |
| c) % of Gross NPAs to Gross Advances | 2.50% | 3.00% | |
| d) % of Net NPAs to Net Advances | 0.64% | 0.68% |
| PARTICULARS | QUARTER ENDED | YEAR ENDED |
|---|---|---|
| 31.03.2026 (AUDITED) | 31.12.2025 (REVIEWED) | |
| 1) Segment Revenue (Income) | ||
| i) Treasury Operations | 822.91 | 924.05 |
| ii) Corporate/Wholesale Banking | 706.67 | 715.38 |
| iii) Retail Banking | 2238.66 | 2188.40 |
| – (a) Digital Banking | 0.04 | 0.04 |
| – (b) Other Retail Banking | 2238.62 | 2188.36 |
| iv) Other Banking Business | 30.21 | 24.51 |
| v) Un-Allocated Business | – | – |
| Total | 3798.45 | 3852.34 |
| Less: Inter Segment Revenue | 267.40 | 260.97 |
| Net Income from Operations | 3531.05 | 3691.37 |
| 2) Segment Results | ||
| i) Treasury Operations | 32.29 | 85.90 |
| ii) Corporate/Wholesale Banking | 473.55 | 557.41 |
| iii) Retail Banking | 472.56 | 441.48 |
| – (a) Digital Banking | (0.21) | (0.22) |
| – (b) Other Retail Banking | 472.77 | 441.70 |
| iv) Other Banking Business | 20.66 | 15.16 |
| v) Un-Allocated Business | (138.56) | (293.88) |
| Profit/(Loss) from Ordinary Activities (Before Tax) | 860.50 | 806.07 |
| Less: Tax Expenses/(credit) | 62.72 | 219.33 |
| Less: Extraordinary Profit/(Loss) | – | – |
| Net Profit/(Loss) After Tax | 797.78 | 586.74 |
| 3) Segment Assets | ||
| i) Treasury Operations | 54929.51 | 53702.77 |
| ii) Corporate/Wholesale Banking | 46984.66 | 39052.70 |
| iii) Retail Banking | 87279.82 | 64703.54 |
| – (a) Digital Banking | 0.32 | 0.33 |
| – (b) Other Retail Banking | 87279.50 | 84703.21 |
| iv) Other Banking Business | – | 8.01 |
| v) Un-Allocated Business | – | – |
| Total: | 189193.99 | 177467.02 |
| 4) Segment Liabilities | ||
| i) Treasury Operations | 2928.78 | 3479.32 |
| ii) Corporate/Wholesale Banking | 46069.25 | 43131.69 |