INTEGRATED FILING — BANKING
General information about company
| Scrip code |
532209 |
| NSE Symbol |
J&KBANK |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE168A01041 |
| Name of bank |
JAMMU AND KASHMIR BANK LIMITED |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
20-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
09-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
20-01-2026
11:00:00 |
| End date and time of board meeting |
20-01-2026 15:20:00
|
| 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 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? |
Yes |
|
Financial Results - Banking
Amount in (Lakhs)
| 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 |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
2,43,510.00 |
7,25,614.00 |
|
Income on investments |
74,593.00 |
2,23,626.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
874.00 |
4,410.00 |
|
Others |
12,367.00 |
33,703.00 |
|
Total interest earned |
3,31,344.00 |
9,87,353.00 |
| 2 |
Other income |
27,946.00 |
68,465.00 |
| 3 |
Total income |
3,59,290.00 |
10,55,818.00 |
|
Expenses
|
| 4 |
Interest expenses |
1,82,456.00 |
5,48,523.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
65,654.00 |
1,96,333.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
33,155.00 |
1,03,391.00 |
|
Total other operating Expenses |
33,155.00 |
1,03,391.00 |
|
Total Operating Expenses |
98,809.00 |
2,99,724.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 2,81,265.00 |
8,48,247.00 |
| 7 |
Operating profit before provision and contingencies |
78,025.00 |
2,07,571.00 |
| 8 |
Provisions other than tax and contingencies |
(2,581.00) |
(2,165.00) |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 80,606.00 |
2,09,736.00 |
| 11 |
Provision for Tax |
21,933.00 |
53,168.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
58,673.00 |
1,56,568.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
58,673.00 |
1,56,568.00 |
| 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
| 58,673.00 |
1,56,568.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 11,013.00 |
11,013.00 |
|
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 |
59.400 |
59.400 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
11.8400 |
11.8400 |
|
| Additional Tier 1 ratio |
12.7700 |
12.7700 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 5.33 |
14.22 |
|
Diluted earnings per share before extraordinary items
| 5.33 |
14.22 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 5.33 |
14.22 |
|
Diluted earnings per share after extraordinary items
| 5.33 |
14.22 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 3,48,712.00 |
3,48,712.00 |
|
Amount of net non-performing assets
| 77,636.00 |
77,636.00 |
|
% of gross NPAs |
3.00 |
3.00 |
|
% of net NPAs
| 0.6800 |
0.6800 |
|
Return on assets
| 1.3500 |
1.2300 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
92,405.00 |
2,77,143.00 |
| 2 |
Corporate/Wholesale Banking |
71,538.00 |
1,91,115.00 |
| 3 |
Digital Banking |
4.00 |
13.00 |
| 4 |
Other Retail Banking |
2,18,989.00 |
6,75,888.00 |
| 5 |
Other Banking Business |
2,451.00 |
7,240.00 |
| 6 |
Un-Allocated Business |
0.00 |
0.00 |
| 7 |
Less:Tax Expenses/(Credit) |
0.00 |
0.00 |
|
| Total Segment Revenue
| 3,85,387.00 |
11,51,399.00 |
|
Less: Inter segment revenue |
26,097.00 |
95,581.00 |
|
Income from operations |
3,59,290.00 |
10,55,818.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
8,590.00 |
18,287.00 |
| 2 |
Corporate/Wholesale Banking |
55,623.00 |
1,30,441.00 |
| 3 |
Digital Banking |
(22.00) |
(68.00) |
| 4 |
Other Retail Banking |
44,069.00 |
1,40,877.00 |
| 5 |
Other Banking Business |
1,516.00 |
6,169.00 |
| 6 |
Un-Allocated Business |
(29,170.00) |
(85,970.00) |
| 7 |
Less:Tax Expenses/(Credit) |
(21,933.00) |
(53,168.00) |
|
Total Profit before tax |
58,673.00 |
1,56,568.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
58,673.00 |
1,56,568.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
53,70,277.00 |
53,70,277.00 |
| 2 |
Corporate/Wholesale Banking |
39,05,270.00 |
39,05,270.00 |
| 3 |
Digital Banking |
33.00 |
33.00 |
| 4 |
Other Retail Banking |
84,70,321.00 |
84,70,321.00 |
| 5 |
Other Banking Business |
801.00 |
801.00 |
| 6 |
Un-Allocated Business |
0.00 |
0.00 |
| 7 |
Less:Tax Expenses/(Credit) |
0.00 |
0.00 |
|
Total Segment Assets |
1,77,46,702.00 |
1,77,46,702.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
1,77,46,702.00 |
1,77,46,702.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
3,47,932.00 |
3,47,932.00 |
| 2 |
Corporate/Wholesale Banking |
43,13,169.00 |
43,13,169.00 |
| 3 |
Digital Banking |
246.00 |
246.00 |
| 4 |
Other Retail Banking |
1,15,10,734.00 |
1,15,10,734.00 |
| 5 |
Other Banking Business |
475.00 |
475.00 |
| 6 |
Un-Allocated Business |
0.00 |
0.00 |
| 7 |
Less:Tax Expenses/(Credit) |
0.00 |
0.00 |
| |
Total Segment Liabilities |
1,61,72,556.00 |
1,61,72,556.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
1,61,72,556.00 |
1,61,72,556.00 |
|
Disclosure of notes on segments |
|
Format for Disclosing Outstanding Default on Loans and Debt Securities
Amount in (Lakhs)
| Sr. No. |
Particulars |
Amount |
Remarks |
| 1. |
Loans / revolving facilities like cash credit
from banks / financial institutions |
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 2. |
Unlisted debt securities i.e. NCDs and NCRPS
|
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 3. |
Total financial indebtedness of the listed entity including short-term
and long-term debt |
0.00 |
|