The Jammu & Kashmir Bank Limited has informed the Exchange about AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH, 2025
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J&K Bank reported audited FY25 standalone net profit of Rs 2,082.46 crore, up about 17.8% from Rs 1,767.27 crore in FY24. Total income for the year rose to Rs 13,672.67 crore from Rs 12,037.85 crore, a growth of roughly 13.6%. Interest earned grew to Rs 12,535.86 crore, with net interest income improving notably year-on-year. However, operating profit before provisions grew at a slower pace (~6.6%), leading to a modest compression in operating margin. Asset quality improved sharply, with gross NPA ratio falling to 3.37% (from 4.08%) and net NPA ratio flat at 0.79%. Capital adequacy strengthened to 16.29% (Basel III) from 15.33%, and return on assets rose to 1.32%. Deposits crossed Rs 1.48 lakh crore while advances stood at Rs 1.04 lakh crore. For Q4FY25, net profit was Rs 584.54 crore versus Rs 638.67 crore in Q4FY24, a YoY decline of about 8.5% on higher provisions.
The results are broadly positive, showing healthy profit growth, improved asset quality, and stronger capital ratios. The dip in Q4 profit and modest operating margin compression may temper near-term sentiment, but the overall trajectory supports steady fundamentals for shareholders.