INTEGRATED FILING — BANKING



General information about company

Scrip code 532209
NSE Symbol J&KBANK
MSEI Symbol NOTLISTED
ISIN INE168A01041
Name of bank THE JAMMU & KASHMIR BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 25-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 25-Jul-2025   14:30:00
End date and time of board meeting 25-Jul-2025   18:45:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Being a Banking Company, this disclosure is not applicable


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 24301200000 24301200000
Income on investments 7233000000 7233000000
Interest on balances with reserve bank of India and other inter bank funds 108700000 108700000
Others 1039800000 1039800000
Total interest earned 32682700000 32682700000
2 Other income 2503000000 2503000000
3 Total income 35185700000 35185700000
Expenses
4 Interest expenses 18028400000 18028400000
5 Operating expenses
(i) Employees cost 6609000000 6609000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 3819900000 3819900000
Total other operating Expenses 3819900000 3819900000
Total Operating Expenses 10428900000 10428900000
6 Total expenditure excluding provisions and contingencies 28457300000 28457300000
7 Operating profit before provision and contingencies 6728400000 6728400000
8 Provisions other than tax and contingencies 150900000 150900000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 6577500000 6577500000
11 Provision for Tax 1729100000 1729100000
12 Net profit (loss) from ordinary activities after tax 4848400000 4848400000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 4848400000 4848400000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 4848400000 4848400000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 1101300000 1101300000
Face value of equity share capital 1 1
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 59.4 59.4
(ii) Capital adequacy ratio
CET 1 ratio 12.69 12.69
Additional Tier 1 ratio 13.68 13.68
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.4 4.4
Diluted earnings per share before extraordinary items 4.4 4.4
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.4 4.4
Diluted earnings per share after extraordinary items 4.4 4.4
(iv) NPA Ratios
Amount of gross non-performing assets 36381900000 36381900000
Amount of net non-performing assets 8290200000 8290200000
% of gross NPAs 3.5 3.5
% of net NPAs 0.82 0.82
Return on assets 1.17 1.17
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 9155700000 9155700000
2 Corporate/Wholesale Banking 5987800000 5987800000
3 Digital Retail Banking 400000 400000
4 Other Retail Banking 23626300000 23626300000
5 Other Banking Business 246300000 246300000
6 Unallocated Business 0 0
7 Tax Expenses/(Credit) 0 0
Total Segment Revenue 39016500000 39016500000
Less: Inter segment revenue 3830800000
Income from operations 35185700000 35185700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 700000000 700000000
2 Corporate/Wholesale Banking 3359200000 3359200000
3 Digital Retail Banking -2300000 -2300000
4 Other Retail Banking 5094600000 5094600000
5 Other Banking Business 239900000 239900000
6 Unallocated Business -2813900000 -2813900000
7 Tax Expenses/(Credit) -1729100000 -1729100000
Total Profit before tax 4848400000 4848400000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 4848400000 4848400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 568066100000 568066100000
2 Corporate/Wholesale Banking 305192800000 305192800000
3 Digital Retail Banking 3000000 3000000
4 Other Retail Banking 834903000000 834903000000
5 Other Banking Business 34700000 34700000
6 Unallocated Business 0 0
7 Tax Expenses/(Credit) 0 0
8 Treasury Operations 568066100000 568066100000
9 Corporate/Wholesale Banking 305192800000 305192800000
10 Digital Retail Banking 3000000 3000000
11 Other Retail Banking 834903000000 834903000000
12 Other Banking Business 34700000 34700000
13 Unallocated Business 0 0
14 Tax Expenses/(Credit) 0 0
Total Segment Assets 1708199600000 1708199600000
Un-allocable Assets 0 0
Net Segment Assets 1708199600000 1708199600000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 28830100000 28830100000
2 Corporate/Wholesale Banking 407419600000 407419600000
3 Digital Retail Banking 26300000 26300000
4 Other Retail Banking 1124097100000 1124097100000
5 Other Banking Business 18500000 18500000
6 Unallocated Business 0 0
7 Tax Expenses/(Credit) 0 0
8 Treasury Operations 28830100000 28830100000
9 Corporate/Wholesale Banking 407419600000 407419600000
10 Digital Retail Banking 26300000 26300000
11 Other Retail Banking 1124097100000 1124097100000
12 Other Banking Business 18500000 18500000
13 Unallocated Business 0 0
14 Tax Expenses/(Credit) 0 0
Total Segment Liabilities 1560391600000 1560391600000
Un-allocable Liabilities 0 0
Net Segment Liabilities 1560391600000 1560391600000
Disclosure of notes on segments