Cash flow Jammu and Kashmir Bank Limited

Equities

J&KBANK

INE168A01041

Banks

Market Closed - NSE India S.E. Other stock markets 12:52:21 05/03/2026 GMT			5-day change	1st Jan Change
120.95 ^INR	+4.05%		+7.69%	+20.59%

02-24	My Mudra Fincorp empanelled with Jammu & Kashmir Bank for secured loans	RE
01-20	Jammu and Kashmir Bank Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2025	CI

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Published financial data: JAMMU AND KASHMIR BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	81.11B	80.13B	93.55B	112B	125B
Interest Income, Total	81.11B	80.13B	93.55B	112B	125B
Interest On Deposits	43.4B	41.01B	46.09B	60.08B	67.41B
Interest Expense, Total	43.4B	41.01B	46.09B	60.08B	67.41B
Net Interest Income	37.71B	39.12B	47.46B	52.05B	58B
Gain (Loss) on Sale of Assets	2.84M	2.86M	11.93M	10.67M	9.94M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.52B	1.25B	391M	1.03B	534M
Income (Loss) on Equity Invest. (Income Block)	-63.48M	-	-	-	-
Total Other Non Interest Income	4.76B	6.66B	7.25B	7.33B	10.93B
Non Interest Income, Total	7.22B	7.9B	7.65B	8.38B	11.47B
Revenues Before Provison For Loan Losses	44.93B	47.02B	55.11B	60.43B	69.47B
Provision For Loan Losses	11.81B	5.99B	6.62B	-1.07B	-39.17M
Total Revenues	33.13B	41.03B	48.49B	61.5B	69.51B
Salaries And Other Employee Benefits	20.62B	26.75B	27.09B	25.79B	27.88B
Occupancy Expense	2.51B	2.76B	2.93B	3.7B	3.31B
Selling General & Admin Expenses, Total	465M	512M	545M	673M	676M
(Income) Loss on Equity Invest.	-	95.87M	181M	-13.16M	44.63M
Total Other Non Interest Expense	5.24B	5.96B	5.95B	7.46B	8.25B
Non Interest Expense, Total	28.84B	36.08B	36.69B	37.61B	40.16B
EBT, Excl. Unusual Items	4.28B	4.95B	11.81B	23.89B	29.34B
EBT, Incl. Unusual Items	4.28B	4.95B	11.81B	23.89B	29.34B
Income Tax Expense	-	-	-	6.17B	8.52B
Earnings From Continuing Operations	4.28B	4.95B	11.81B	17.71B	20.82B
Net Income to Company	4.28B	4.95B	11.81B	17.71B	20.82B
Net Income - (IS)	4.28B	4.95B	11.81B	17.71B	20.82B
Net Income to Common Incl Extra Items	4.28B	4.95B	11.81B	17.71B	20.82B
Net Income to Common Excl. Extra Items	4.28B	4.95B	11.81B	17.71B	20.82B
Per Share Items
Net EPS - Basic	6.01	5.96	12.25	16.84	18.91
Basic EPS - Continuing Operations	6.01	5.96	12.25	16.84	18.91
Basic Weighted Average Shares Outstanding	713M	831M	964M	1.05B	1.1B
Net EPS - Diluted	6.01	5.96	12.25	16.84	18.91
Diluted EPS - Continuing Operations	6.01	5.96	12.25	16.84	18.91
Diluted Weighted Average Shares Outstanding	713M	831M	964M	1.05B	1.1B
Normalized Basic EPS	3.75	3.72	7.66	14.19	16.65
Normalized Diluted EPS	3.75	3.72	7.66	14.19	16.65
Dividend Per Share	-	-	0.5	2.15	2.15
Payout Ratio	-	-	-	2.91	11.37
Supplemental Items
Effective Tax Rate - (Ratio)	-	-	-	25.84	29.05
Current Domestic Taxes	-	-	-	5.89B	6.87B
Total Current Taxes	366M	2.15B	5.31B	5.89B	6.87B
Deferred Domestic Taxes	-	-	-	285M	1.65B
Total Deferred Taxes	653M	258M	564M	285M	1.65B
Normalized Net Income	2.68B	3.09B	7.38B	14.93B	18.34B
Non-Cash Pension Expense	5.9B	10.39B	8.19B	5.39B	8.26B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	63.36B	80.13B	17.42B	15.62B	30.44B
Investment Securities, Total	308B	395B	416B	446B	411B
Total investments	308B	395B	416B	446B	411B
Gross Loans	668B	704B	823B	938B	1,042B
Net Loans	668B	704B	823B	938B	1,042B
Gross Property Plant And Equipment	32.68B	33.49B	38.23B	40.26B	41.26B
Accumulated Depreciation	-12.55B	-13.95B	-15.51B	-17.68B	-19.34B
Net Property Plant And Equipment	20.13B	19.54B	22.72B	22.58B	21.92B
Accrued Interest Receivable	5.81B	5.9B	6.99B	7.95B	9.34B
Restricted Cash	31.67B	7.79B	71.57B	66.34B	67.4B
Other Current Assets, Total	2.35B	2.63B	1.87B	637M	1.07B
Deferred Tax Assets Long-Term (Collected)	2.66B	2.39B	1.83B	1.55B	-
Other Long-Term Assets, Total	101B	88.68B	98.07B	46.54B	111B
Total Assets	1,203B	1,306B	1,459B	1,545B	1,694B
Liabilities
Interest Bearing Deposits	942B	1,003B	1,080B	1,199B	1,323B
Non-Interest Bearing Deposits	139B	144B	140B	148B	162B
Total Deposits	1,080B	1,147B	1,220B	1,348B	1,486B
Current Portion of Long-Term Debt	-	-	10.05B	15B	10B
Long-Term Debt	20.15B	23.71B	18.87B	13.85B	13.83B
Accrued Interest Payable	198M	180M	289M	237M	1.36B
Other Current Liabilities - (Bank / Utility Template)	2.77B	2.71B	2.99B	3.83B	2.67B
Deferred Tax Liability Non-Current	-	-	-	-	97.56M
Other Non Current Liabilities	31.11B	51.36B	108B	42.57B	38.68B
Total Liabilities	1,135B	1,225B	1,360B	1,423B	1,552B
Common Stock, Total	713M	933M	1.03B	1.1B	1.1B
Additional Paid In Capital	10.96B	17.6B	21.82B	29.19B	29.19B
Retained Earnings	43.69B	25.27B	28.26B	32.93B	38.77B
Comprehensive Income and Other	12.66B	36.96B	47.85B	58.71B	73.02B
Total Common Equity	68.02B	80.77B	98.96B	122B	142B
Total Equity	68.02B	80.77B	98.96B	122B	142B
Total Liabilities And Equity	1,203B	1,306B	1,459B	1,545B	1,694B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	713M	933M	1.03B	1.1B	1.1B
ECS Total Common Shares Outstanding	713M	933M	1.03B	1.1B	1.1B
Book Value / Share	95.34	86.58	95.94	110.72	129.03
Tangible Book Value	68.02B	80.77B	98.96B	122B	142B
Tangible Book Value Per Share	95.34	86.58	95.94	110.72	129.03
Total Debt	20.15B	23.71B	28.92B	28.85B	23.83B
Deposits at Interest - Cash	58.18B	73.35B	27.39B	16.74B	34.48B
Debt Equivalent of Unfunded Proj. Benefit Obligation	4.6B	4.82B	5.88B	2.68B	-2.29B
Net Debt	-43.21B	-144B	-104B	-123B	-66.5B
Full Time Employees	11.73K	12.98K	12.79K	12.42K	12.25K
Number Of Offices	955	980	990	1K	1.02K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	4.28B	4.95B	11.81B	17.71B	20.82B
Depreciation, Depletion & Amortization	1.34B	1.44B	1.58B	2.18B	1.68B
Total Depreciation, Depletion & Amortization	1.34B	1.44B	1.58B	2.18B	1.68B
(Gain) Loss on Sale of Investments - (CF)	276M	369M	-125M	459M	1.21B
Provision for Credit Losses	10.65B	3.14B	1.34B	-1.12B	239M
(Income) Loss On Equity Investments - (CF)	-138M	-	-	-	-
Change in Other Net Operating Assets (Collected)	-121B	-94.16B	-94.85B	-160B	-139B
Other Operating Activities	1.99B	2.03B	2.94B	4.42B	3.91B
Cash from Operations	-103B	-82.24B	-77.32B	-136B	-111B
Capital Expenditure	-760M	-852M	-1.24B	-1.86B	-1.02B
Cash Acquisitions	-	-	-	-716M	-
Cash from Investing	-760M	-852M	-1.24B	-2.57B	-1.02B
Long-Term Debt Issued, Total	-	3.6B	5.21B	-	-
Total Debt Issued	-	3.6B	5.21B	-	-
Long-Term Debt Repaid, Total	-	-	-	-	-5B
Total Debt Repaid	-	-	-	-	-5B
Issuance of Common Stock	-	7.8B	4.32B	7.44B	453K
Common Dividends Paid	-	-	-	-516M	-2.37B
Common & Preferred Stock Dividends Paid	-	-	-	-516M	-2.37B
Net Increase (Decrease) in Deposit Accounts - (CF)	103B	66.55B	73.24B	127B	138B
Other Financing Activities, Total	-1.99B	-1.99B	-3.15B	-2.85B	-2.98B
Cash from Financing	101B	75.97B	79.62B	131B	128B
Net Change in Cash	-2.89B	-7.12B	1.07B	-7.02B	15.87B
Supplemental Items
Cash Interest Paid	1.99B	1.99B	2.22B	2.85B	2.98B
Cash Income Tax Paid (Refund)	877M	2.44B	4.55B	4.66B	7.31B
Net Debt Issued / Repaid	-	3.6B	5.21B	-	-5B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.37	0.39	0.85	1.18	1.29
Return On Equity %	6.52	6.65	13.14	16.04	15.77
Return on Common Equity	6.52	6.65	13.14	16.04	15.77
Shareholders Value Added	-3.6B	-3.98B	1.02B	4.46B	4.98B
Margin Analysis
SG&A Margin	74.82	76.33	65.99	51.71	48.46
Net Interest Income / Total Revenues %	113.84	95.33	97.86	84.64	83.44
EBT Excl. Non-Recurring Items Margin %	12.93	12.06	24.34	38.84	42.21
Income From Continuing Operations Margin %	12.93	12.06	24.34	28.8	29.95
Net Income Margin %	12.93	12.06	24.34	28.8	29.95
Net Avail. For Common Margin %	12.93	12.06	24.34	28.8	29.95
Normalized Net Income Margin	8.08	7.54	15.21	24.27	26.38
Asset quality
Nonperforming Loans / Total Loans %	10.4	9.26	6.33	4.22	3.46
Nonperforming Loans / Total Assets %	5.78	4.99	3.57	2.56	2.13
Nonperforming Assets / Total Assets %	5.78	4.99	3.57	2.56	2.13
NPAs / Loans and OREO	10.4	9.26	6.33	4.22	3.46
NPAs / Equity	102.24	80.73	52.59	32.45	25.37
Provision for Loan Losses / Net Charge-offs %	97.62	90.68	115.5	-30.03	-11.34
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.74	5.93	6.5	7.35	8.15
Total Average Equity / Total Average Assets %	5.74	5.93	6.5	7.35	8.15
Total Equity + Allowance for Loan Losses / Total Loans %	10.18	11.47	12.03	13	13.64
Gross Loans / Total Deposits %	61.86	61.37	67.43	69.57	70.13
Net Loans / Total Deposits %	61.86	61.37	67.43	69.57	70.13
Tier 1 Capital Ratio %	10.28	11.71	12.36	13.15	14.02
Total Capital Ratio %	12.2	13.22	15.41	15.42	16.38
Core Tier 1 Capital Ratio	8.82	10.33	11.06	12.07	13
Tier 2 Capital Ratio	1.92	1.51	3.06	2.26	2.36
Interbank Ratio	317.85	443.61	7.12	1.22	4.4
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.1	1.12	1.26	1.4	1.44
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	1.73	3.72	21.32	9.68	11.42
Non Interest Income, 1 Yr. Growth %	41.97	12.67	1.56	9.47	36.92
Provision For Loan Losses, 1 Yr. Growth %	-55.02	-48.09	17.71	-243.2	-96.36
Total Revenues, 1 Yr. Growth %	108.27	23.63	18.19	13.12	13.01
Earnings From Cont. Operations, 1 Yr. Growth %	-136.21	15.5	138.56	50.04	17.53
Net Income, 1 Yr. Growth %	-136.21	15.5	138.56	50.04	17.53
Normalized Net Income, 1 Yr. Growth %	-137.45	15.5	138.56	35.14	22.8
Diluted EPS Before Extra, 1 Yr. Growth %	-136.21	-0.81	105.65	37.44	12.29
Dividend Per Share, 1 Yr. Growth %	-	-	-	330	0
Gross Loans, 1 Yr. Growth %	3.79	5.31	16.88	13.95	11.12
Net Loans, 1 Yr. Growth %	3.79	5.31	16.88	13.95	11.12
Non Performing Loans, 1 Yr. Growth %	-9.34	-6.24	-20.18	-23.98	-8.88
Non Performing Assets, 1 Yr. Growth %	-9.34	-6.24	-20.18	-23.98	-8.88
Total Assets, 1 Yr. Growth %	10.52	8.57	11.75	5.89	9.66
Total Deposits, 1 Yr Growth %	10.49	6.16	6.39	10.44	10.23
Tangible Book Value, 1 Yr. Growth %	7.19	18.74	22.52	23.2	16.53
Common Equity, 1 Yr. Growth %	7.19	18.74	22.52	23.2	16.53
Total Equity, 1 Yr. Growth %	7.19	18.74	22.52	23.2	16.53
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.56	2.72	12.18	15.36	10.55
Non Interest Income, 2 Yr. CAGR %	-6.02	24.66	4.44	5.44	22.43
Provision For Loan Losses, 2 Yr. CAGR %	5.63	-52.23	-24.28	-56.4	-77.08
Total Revenues, 2 Yr. CAGR %	2.65	60.61	20.88	22.43	13.07
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.89	-35.33	65.99	89.19	32.8
Net Income, 2 Yr. CAGR %	-3.89	-35.33	65.99	89.19	32.8
Normalized Net Income, 2 Yr. CAGR %	-19.35	-34.23	65.99	119.7	28.84
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.35	-40.07	42.82	68.12	24.23
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	107.36
Gross Loans, 2 Yr. CAGR %	0.43	4.55	10.95	15.41	12.53
Net Loans, 2 Yr. CAGR %	0.43	4.55	10.95	15.41	12.53
Non Performing Loans, 2 Yr. CAGR %	5.73	-7.81	-13.49	-22.11	-16.77
Non Performing Assets, 2 Yr. CAGR %	5.73	-7.81	-13.49	-22.11	-16.77
Total Assets, 2 Yr. CAGR %	8.91	9.54	10.14	8.78	7.76
Total Deposits, 2 Yr CAGR %	9.79	8.31	6.27	8.39	10.33
Tangible Book Value, 2 Yr. CAGR %	1.35	12.82	20.62	22.86	19.82
Common Equity, 2 Yr. CAGR %	1.35	12.82	20.62	22.86	19.82
Total Equity, 2 Yr. CAGR %	1.35	12.82	20.62	22.86	19.82
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.51	4.94	8.58	11.34	14.03
Non Interest Income, 3 Yr. CAGR %	12.97	-1.12	14.59	6.09	15.03
Provision For Loan Losses, 3 Yr. CAGR %	-2.17	-17.28	-36.83	-54.76	-80.9
Total Revenues, 3 Yr. CAGR %	16.2	9.28	45	22.82	19.21
Earnings From Cont. Operations, 3 Yr. CAGR %	28.34	2.18	-0.08	60.49	61.43
Net Income, 3 Yr. CAGR %	28.34	2.18	-0.08	60.49	61.43
Normalized Net Income, 3 Yr. CAGR %	52.45	-9.09	1.05	77.31	81
Diluted EPS Before Extra, 3 Yr. CAGR %	18.27	-10.75	-9.61	41.01	46.96
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Gross Loans, 3 Yr. CAGR %	5.51	2.03	8.51	11.94	13.96
Net Loans, 3 Yr. CAGR %	5.51	2.03	8.51	11.94	13.96
Non Performing Loans, 3 Yr. CAGR %	5.01	1.58	-12.13	-17.14	-17.93
Non Performing Assets, 3 Yr. CAGR %	5.01	1.58	-12.13	-17.14	-17.93
Total Assets, 3 Yr. CAGR %	10.28	8.79	10.27	8.71	9.07
Total Deposits, 3 Yr CAGR %	10.54	8.57	7.66	7.64	9
Tangible Book Value, 3 Yr. CAGR %	3.37	6.85	15.97	21.47	20.72
Common Equity, 3 Yr. CAGR %	3.37	6.85	15.97	21.47	20.72
Total Equity, 3 Yr. CAGR %	3.37	6.85	15.97	21.47	20.72
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.82	9.25	10.57	8.99	9.36
Non Interest Income, 5 Yr. CAGR %	7.26	9.71	8.85	0.49	17.66
Provision For Loan Losses, 5 Yr. CAGR %	3.88	-26.54	-12.1	-36.79	-72.79
Total Revenues, 5 Yr. CAGR %	8.1	81.25	18.1	14.36	34.31
Earnings From Cont. Operations, 5 Yr. CAGR %	0.7	-21.24	42.25	30.73	11.96
Net Income, 5 Yr. CAGR %	0.7	-21.24	42.25	30.73	11.96
Normalized Net Income, 5 Yr. CAGR %	-9.08	-19.96	57.73	29.39	20.73
Diluted EPS Before Extra, 5 Yr. CAGR %	-6.89	-29.24	27.54	14.97	2.65
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-
Gross Loans, 5 Yr. CAGR %	5.9	7.16	7.65	7.19	10.1
Net Loans, 5 Yr. CAGR %	5.9	7.16	7.65	7.19	10.1
Non Performing Loans, 5 Yr. CAGR %	9.75	1.68	-2.83	-8.66	-14.02
Non Performing Assets, 5 Yr. CAGR %	9.75	1.68	-2.83	-8.66	-14.02
Total Assets, 5 Yr. CAGR %	8.43	9.75	10.22	8.79	9.26
Total Deposits, 5 Yr CAGR %	9.26	9.62	8.81	8.5	8.72
Tangible Book Value, 5 Yr. CAGR %	1.16	7.32	9.95	12.99	17.49
Common Equity, 5 Yr. CAGR %	1.16	7.32	9.95	12.99	17.49
Total Equity, 5 Yr. CAGR %	1.16	7.32	9.95	12.99	17.49

Cash flow Jammu and Kashmir Bank Limited

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INE168A01041

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