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 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 29-07-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 21-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter First 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
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 29-07-2026   10:00:00
End date and time of board meeting 29-07-2026   13:50:00
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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
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 2,68,510.00 2,68,510.00
Income on investments 72,236.00 72,236.00
Interest on balances with reserve bank of India and other inter bank funds 786.00 786.00
Others 13,216.00 13,216.00
Total interest earned 3,54,748.00 3,54,748.00
2 Other income 21,748.00 21,748.00
3 Total income 3,76,496.00 3,76,496.00
Expenses
4 Interest expenses 2,04,870.00 2,04,870.00
5 Operating expenses
(i) Employees cost 65,322.00 65,322.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 35,821.00 35,821.00
Total other operating Expenses 35,821.00 35,821.00
Total Operating Expenses 1,01,143.00 1,01,143.00
6 Total expenditure excluding provisions and contingencies 3,06,013.00 3,06,013.00
7 Operating profit before provision and contingencies 70,483.00 70,483.00
8 Provisions other than tax and contingencies 8,403.00 8,403.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 62,080.00 62,080.00
11 Provision for Tax 19,548.00 19,548.00
12 Net profit (loss) from ordinary activities after tax 42,532.00 42,532.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 42,532.00 42,532.00
15 Share of profit (loss) of associates 348.00 348.00
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 42,880.00 42,880.00
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 13.7500 13.7500
Additional Tier 1 ratio 14.6300 14.6300
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 3.89 3.89
Diluted earnings per share before extraordinary items 3.89 3.89
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 3.89 3.89
Diluted earnings per share after extraordinary items 3.89 3.89
(iv) NPA Ratios
Amount of gross non-performing assets 3,08,894.00 3,08,894.00
Amount of net non-performing assets 76,931.00 76,931.00
% of gross NPAs 2.3700 2.3700
% of net NPAs 0.600 0.600
Return on assets 0.8700 0.8700
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 01-04-2026 01-04-2026
Date of end of reporting period 30-06-2026 30-06-2026
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 88,246.00 88,246.00
2 Corporate/Wholesale Banking 93,741.00 93,741.00
3 Digital Retail Banking 5.00 5.00
4 Other Retail Banking 2,25,873.00 2,25,873.00
5 Other Banking Business 2,128.00 2,128.00
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 4,09,993.00 4,09,993.00
Less: Inter segment revenue 33,497.00 33,497.00
Income from operations 3,76,496.00 3,76,496.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 1,654.00 1,654.00
2 Corporate/Wholesale Banking 66,778.00 66,778.00
3 Digital Retail Banking (22.00) (22.00)
4 Other Retail Banking 19,912.00 19,912.00
5 Other Banking Business 1,022.00 1,022.00
6 Un-Allocated Business (27,264.00) (27,264.00)
7 Less:Tax Expenses/(Credit) (19,548.00) (19,548.00)
8 Add/(Less): Share in Profit/(Loss) of Associates 348.00 348.00
Total Profit before tax 42,880.00 42,880.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 0.00 0.00
Profit before tax 42,880.00 42,880.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 58,08,838.00 58,08,838.00
2 Corporate/Wholesale Banking 50,77,149.00 50,77,149.00
3 Digital Retail Banking 30.00 30.00
4 Other Retail Banking 89,51,020.00 89,51,020.00
5 Other Banking Business 549.00 549.00
6 Un-Allocated Business 22,361.00 22,361.00
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 1,98,59,947.00 1,98,59,947.00
Un-allocable Assets 0.00 0.00
Net Segment Assets 1,98,59,947.00 1,98,59,947.00
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 6,13,924.00 6,13,924.00
2 Corporate/Wholesale Banking 50,58,871.00 50,58,871.00
3 Digital Retail Banking 299.00 299.00
4 Other Retail Banking 1,24,86,125.00 1,24,86,125.00
5 Other Banking Business 383.00 383.00
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 1,81,59,602.00 1,81,59,602.00
Un-allocable Liabilities 0.00 0.00
Net Segment Liabilities 1,81,59,602.00 1,81,59,602.00
Disclosure of notes on segments