The Jammu and Kashmir Bank Limited (BOM:532209)

Splunk Income Statement

Financials in millions INR. Fiscal year is July - June.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2025	FY 2024	FY 2023
Period Ending	Mar 31, 2025	Jun 30, 2025	Mar 31, 2025	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023
Interest Income on Loans	125,411	95,704	125,411	91,307	112,132	93,552
Interest Income on Investments	-	32,457	-	28,467	-	-
Total Interest Income	125,411	128,162	125,411	119,774	112,132	93,552
Interest Paid on Deposits	67,413	69,189	67,413	64,999	60,079	46,094
Net Interest Income	57,998	58,972	57,998	54,776	52,053	47,458
Net Interest Income Growth (YoY)	11.42%	1.68%	5.88%	5.23%	9.68%	21.32%
Gain (Loss) on Sale of Assets	9.94	-	9.94	-	10.67	11.93
Gain (Loss) on Sale of Investments	534.14	-	534.14	-	1,034	391.39
Other Non-Interest Income	10,925	12,017	10,925	7,937	7,332	7,249
Total Non-Interest Income	11,469	12,017	11,469	7,937	8,377	7,652
Non-Interest Income Growth (YoY)	36.92%	4.78%	44.51%	-5.25%	9.46%	1.56%
Revenues Before Loan Losses	69,468	70,990	69,468	62,712	60,429	55,110
Provision for Loan Losses	-39.17	286.4	-39.17	-698.8	-1,077	745.95
Revenue	69,507	70,703	69,507	63,411	61,506	54,364
Revenue Growth (YoY)	13.01%	1.72%	9.61%	3.10%	13.14%	32.50%
Salaries and Employee Benefits	27,879	27,590	27,879	27,667	25,790	27,086
Occupancy Expenses	3,313	-	3,313	-	3,699	2,931
Selling, General & Administrative	675.84	-	675.84	-	673.05	544.72
Other Non-Interest Expense	8,252	13,270	8,252	11,195	7,464	5,947
Total Non-Interest Expense	40,165	40,937	40,165	38,792	37,612	36,689
EBT Excluding Unusual Items	29,342	29,766	29,342	24,620	23,894	17,675
Pretax Income	29,342	29,766	29,342	24,620	23,894	17,675
Income Tax Expense	8,524	8,288	8,524	7,880	6,182	5,870
Net Income	20,818	21,478	20,818	16,740	17,712	11,805
Net Income to Common	20,818	21,478	20,818	16,740	17,712	11,805
Net Income Growth	17.53%	3.17%	24.36%	-5.49%	50.04%	138.56%
Basic Shares Outstanding	1,101	1,101	1,101	1,101	1,052	964
Diluted Shares Outstanding	1,101	1,101	1,101	1,101	1,052	964
Shares Change (YoY)	4.67%	0.00%	-0.01%	4.68%	9.18%	15.99%
EPS (Basic)	18.91	19.50	18.91	15.20	16.84	12.25
EPS (Diluted)	18.91	19.50	18.91	15.20	16.84	12.25
EPS Growth	12.29%	3.17%	24.38%	-9.72%	37.44%	105.65%
Dividend Per Share	2.150	-	2.150	-	2.150	0.500
Dividend Growth	-	-	-	-	330.00%	-
Effective Tax Rate	29.05%	27.84%	29.05%	32.01%	25.87%	33.21%

Updated Jan 20, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.