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 Consolidated
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


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 Consolidated Consolidated
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 851.00 4,343.00
Others 12,540.00 34,156.00
Total interest earned 3,31,494.00 9,87,739.00
2 Other income 28,192.00 69,238.00
3 Total income 3,59,686.00 10,56,977.00
Expenses
4 Interest expenses 1,82,435.00 5,48,462.00
5 Operating expenses
(i) Employees cost 65,852.00 1,96,898.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 33,260.00 1,03,658.00
Total other operating Expenses 33,260.00 1,03,658.00
Total Operating Expenses 99,112.00 3,00,556.00
6 Total expenditure excluding provisions and contingencies 2,81,547.00 8,49,018.00
7 Operating profit before provision and contingencies 78,139.00 2,07,959.00
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 80,720.00 2,10,124.00
11 Provision for Tax 21,969.00 53,282.00
12 Net profit (loss) from ordinary activities after tax 58,751.00 1,56,842.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 58,751.00 1,56,842.00
15 Share of profit (loss) of associates (602.00) (748.00)
16 Profit (loss) of minority interest 0.00 0.00
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 58,149.00 1,56,094.00
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 11.8700 11.8700
Additional Tier 1 ratio 12.800 12.800
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 5.28 14.18
Diluted earnings per share before extraordinary items 5.28 14.18
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 5.28 14.18
Diluted earnings per share after extraordinary items 5.28 14.18
(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 Consolidated Consolidated
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 71,688.00 1,91,503.00
3 Digital Banking 4.00 13.00
4 Other Retail Banking 2,19,239.00 6,76,672.00
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
8 Add/(Less): Share in Profit/(Loss) of Associates 0.00 0.00
Total Segment Revenue 3,85,787.00 11,52,571.00
Less: Inter segment revenue 26,097.00 95,581.00
Income from operations 3,59,690.00 10,56,990.00
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 55,761.00 1,30,814.00
3 Digital Banking (22.00) (68.00)
4 Other Retail Banking 44,242.00 1,41,457.00
5 Other Banking Business 1,516.00 6,169.00
6 Un-Allocated Business (29,367.00) (86,535.00)
7 Less:Tax Expenses/(Credit) (21,969.00) (53,282.00)
8 Add/(Less): Share in Profit/(Loss) of Associates (602.00) (748.00)
Total Profit before tax 58,149.00 1,56,094.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 0.00 0.00
Profit before tax 58,149.00 1,56,094.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 53,40,188.00 53,40,188.00
2 Corporate/Wholesale Banking 39,07,108.00 39,07,108.00
3 Digital Banking 33.00 33.00
4 Other Retail Banking 84,73,859.00 84,73,859.00
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
8 Add/(Less): Share in Profit/(Loss) of Associates 0.00 0.00
Total Segment Assets 1,77,21,989.00 1,77,21,989.00
Un-allocable Assets 0.00 0.00
Net Segment Assets 1,77,21,989.00 1,77,21,989.00
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 3,47,932.00 3,47,932.00
2 Corporate/Wholesale Banking 43,13,605.00 43,13,605.00
3 Digital Banking 246.00 246.00
4 Other Retail Banking 1,15,10,669.00 1,15,10,669.00
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
8 Add/(Less): Share in Profit/(Loss) of Associates 0.00 0.00
Total Segment Liabilities 1,61,72,927.00 1,61,72,927.00
Un-allocable Liabilities 0.00 0.00
Net Segment Liabilities 1,61,72,927.00 1,61,72,927.00
Disclosure of notes on segments