The Jammu and Kashmir Bank Limited (BOM:532209)

BOM:532209 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	94,230	112,132	93,552	80,130	81,111
Interest Income on Investments	31,181	-	-	-	-
Total Interest Income	125,411	112,132	93,552	80,130	81,111
Interest Paid on Deposits	67,413	60,079	46,094	41,013	43,399
Net Interest Income	57,998	52,053	47,458	39,116	37,712
Net Interest Income Growth (YoY)	11.42%	9.68%	21.32%	3.72%	1.73%
Gain (Loss) on Sale of Assets	-	10.67	11.93	2.86	2.84
Gain (Loss) on Sale of Investments	-	1,034	391.39	876.83	2,252
Other Non-Interest Income	11,469	7,332	7,249	6,655	4,760
Total Non-Interest Income	11,469	8,377	7,652	7,535	7,015
Non-Interest Income Growth (YoY)	36.92%	9.46%	1.56%	7.41%	37.93%
Revenues Before Loan Losses	69,468	60,429	55,110	46,651	44,727
Provision for Loan Losses	-39.2	5,105	6,616	5,620	11,537
Revenue	69,507	55,325	48,495	41,031	33,190
Revenue Growth (YoY)	25.63%	14.08%	18.19%	23.63%	108.67%
Salaries and Employee Benefits	27,879	25,790	27,086	26,751	20,624
Occupancy Expenses	-	3,699	2,931	2,761	2,509
Selling, General & Administrative	-	673.05	544.72	511.98	464.93
Other Non-Interest Expense	12,241	7,464	5,947	5,963	5,244
Total Non-Interest Expense	40,165	37,612	36,689	36,082	28,905
EBT Excluding Unusual Items	29,342	17,712	11,805	4,949	4,284
Pretax Income	29,342	17,712	11,805	4,949	4,284
Income Tax Expense	8,524	-	-	-	-
Net Income	20,818	17,712	11,805	4,949	4,284
Net Income to Common	20,818	17,712	11,805	4,949	4,284
Net Income Growth	17.53%	50.04%	138.56%	15.50%	-
Basic Shares Outstanding	1,101	1,052	964	831	713
Diluted Shares Outstanding	1,101	1,052	964	831	713
Shares Change (YoY)	4.64%	9.18%	15.99%	16.44%	-
EPS (Basic)	18.91	16.84	12.25	5.96	6.01
EPS (Diluted)	18.91	16.84	12.25	5.96	6.01
EPS Growth	12.32%	37.44%	105.65%	-0.81%	-
Dividend Per Share	2.150	2.150	0.500	-	-
Dividend Growth	-	330.00%	-	-	-
Effective Tax Rate	29.05%	-	-	-	-

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