The Jammu & Kashmir Bank Limited has informed the Exchange regarding a press release dated May 05, 2025, titled "PRESS RELEASE ON AUDITED FINANCIAL RESULTS FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH, 2025".
J&KBANK · price
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On the reaction day the stock moved 1.5 pts less than Nifty Smallcap 250 and 2.0 pts less than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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J&K Bank reported its highest-ever annual net profit of Rs 2,082.46 crore for FY25, up 17.83% from Rs 1,767.27 crore in FY24, marking a third consecutive year of record profits. Q4FY25 net profit stood at Rs 584.54 crore, up 10% sequentially. Net Interest Income grew 11.34% YoY to Rs 5,793.82 crore with NIM at 3.92%, while operating profit rose 28.7% to Rs 2,929.79 crore. Total deposits increased 10.24% YoY to Rs 1.49 lakh crore and net advances crossed the Rs 1 lakh crore mark for the first time, growing 11.13% YoY. Asset quality improved sharply with Gross NPA falling 71 basis points to 3.37% and Net NPA at 0.79%, supported by a Provision Coverage Ratio above 90% and Capital Adequacy Ratio of 16.29%.
This is a strong set of audited results showing consistent profit growth, improving asset quality, and a healthy capital position. Shareholders should view this positively as the bank crosses key milestones like Rs 1 lakh crore in advances while maintaining industry-leading CASA ratio and strong provisioning, which may support positive sentiment on the stock.