The Jammu & Kashmir Bank Limited has informed the Exchange about General Updates
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Jammu & Kashmir Bank reported its audited financial results for the quarter and full year ended March 31, 2025. Standalone total income grew to Rs. 13,672.67 crore from Rs. 12,037.85 crore, while net profit rose to Rs. 2,082.46 crore from Rs. 1,767.27 crore, an increase of about 17.8%. The bank benefited from a Rs. 1,107.69 crore write-back in NPA provisions and a Rs. 112 crore reduction in pension liability expense. Deposits grew to Rs. 1,48,569.46 crore and advances to Rs. 1,04,198.72 crore. Capital Adequacy Ratio (Basel III) improved to 16.29% from 15.33%, and EPS rose to Rs. 18.91. However, Net Interest Margin declined to 3.37% from 4.08%, and Gross NPA ratio increased to 5.31% from 4.83%. The joint statutory auditors (Dhar Tiku & Co, JCR & Co LLP, and Gupta Gupta & Associates LLP) issued an unmodified audit opinion on both standalone and consolidated results.
Positive results for shareholders with strong profit growth, improving capital ratios, and healthy advances and deposits expansion. Concerns remain around the rising gross NPA ratio and compressing NIM, which investors should track closely.