Jammu and Kashmir Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	127,584	125,411	112,132	93,552	80,130	81,111
Interest Paid on Deposits	72,163	67,413	60,079	46,094	41,013	43,399
Net Interest Income	58,745	57,998	52,053	47,458	39,116	37,712
Net Interest Income Growth (YoY)	4.44%	11.42%	9.68%	21.32%	3.72%	1.73%
Gain (Loss) on Sale of Assets	9.94	9.94	10.67	11.93	2.86	2.84
Gain (Loss) on Sale of Investments	534.14	534.14	1,034	391.39	876.83	2,252
Other Non-Interest Income	10,438	10,925	7,332	7,249	6,655	4,760
Total Non-Interest Income	10,982	11,469	8,377	7,652	7,535	7,015
Non-Interest Income Growth (YoY)	13.24%	36.92%	9.46%	1.56%	7.41%	37.93%
Revenues Before Loan Losses	69,727	69,468	60,429	55,110	46,651	44,727
Provision for Loan Losses	-308.27	-39.17	-1,077	745.95	5,620	11,537
Revenue	70,035	69,507	61,506	54,364	41,031	33,190
Revenue Growth (YoY)	3.71%	13.01%	13.14%	32.50%	23.63%	108.67%
Salaries and Employee Benefits	27,024	27,879	25,790	27,086	26,751	20,624
Occupancy Expenses	3,313	3,313	3,699	2,931	2,761	2,509
Selling, General & Administrative	675.84	675.84	673.05	544.72	511.98	464.93
Other Non-Interest Expense	9,914	8,252	7,464	5,947	5,963	5,244
Total Non-Interest Expense	41,031	40,165	37,612	36,689	36,082	28,905
EBT Excluding Unusual Items	29,004	29,342	23,894	17,675	4,949	4,284
Pretax Income	29,004	29,342	23,894	17,675	4,949	4,284
Income Tax Expense	7,576	8,524	6,182	5,870	-	-
Net Income	21,428	20,818	17,712	11,805	4,949	4,284
Net Income to Common	21,428	20,818	17,712	11,805	4,949	4,284
Net Income Growth	0.45%	17.53%	50.04%	138.56%	15.50%	-
Basic Shares Outstanding	1,101	1,101	1,052	964	831	713
Diluted Shares Outstanding	1,101	1,101	1,052	964	831	713
Shares Change (YoY)	-0.12%	4.67%	9.18%	15.99%	16.44%	-
EPS (Basic)	19.47	18.91	16.84	12.25	5.96	6.01
EPS (Diluted)	19.47	18.91	16.84	12.25	5.96	6.01
EPS Growth	0.57%	12.29%	37.44%	105.65%	-0.81%	-
Dividend Per Share	-	2.150	2.150	0.500	-	-
Dividend Growth	-	-	330.00%	-	-	-
Effective Tax Rate	26.12%	29.05%	25.87%	33.21%	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.