The Jammu & Kashmir Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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Jammu & Kashmir Bank reported its Q1 FY26 results with standalone net profit rising 16.7% year-on-year to Rs 484.84 Crore, up from Rs 415.49 Crore in the same quarter last year. Net Interest Income grew 7% YoY to Rs 1,465.43 Crore, while other income jumped 29% YoY to Rs 250.30 Crore. Asset quality improved with Gross NPA ratio falling to 3.50% from 3.91% YoY, though Net NPA ratio edged up to 0.82% from 0.76%. Return on Assets improved to 1.17% from 1.08% YoY, and Capital Adequacy Ratio stood at 15.98%. Provisions dropped sharply to Rs 15.09 Crore from Rs 117.48 Crore a year ago, helping profit growth. The auditors flagged three emphasis-of-matter items, including a Rs 139.62 Crore dispute with SBI over shareholding in Ellaquai Dehati Bank and a Rs 87.47 Crore impairment on the bank's investment in J&K Grameen Bank.
Positive quarter with steady profit growth, improving asset quality and lower provisioning requirements. However, investors should note the unresolved dispute over SBI shareholding and rising impairment in the J&K Grameen Bank investment, which the auditors flagged as emphasis-of-matter items. Overall the results are constructive for shareholders, supported by strong other income growth and better RoA.