Jammu and Kashmir Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	97,083	125,411	112,132	93,552	80,130
Interest Income on Investments	34,424	-	-	-	-
Total Interest Income	131,507	125,411	112,132	93,552	80,130
Interest Paid on Deposits	72,686	67,413	60,079	46,094	41,013
Net Interest Income	58,821	57,998	52,053	47,458	39,116
Net Interest Income Growth (YoY)	1.42%	11.42%	9.68%	21.32%	3.72%
Gain (Loss) on Sale of Assets	-	9.94	10.67	11.93	2.86
Gain (Loss) on Sale of Investments	-	534.14	1,034	391.39	876.83
Other Non-Interest Income	9,507	10,925	7,332	7,249	6,655
Total Non-Interest Income	9,507	11,469	8,377	7,652	7,535
Non-Interest Income Growth (YoY)	-17.11%	36.92%	9.46%	1.56%	7.41%
Revenues Before Loan Losses	68,328	69,468	60,429	55,110	46,651
Provision for Loan Losses	286.1	-39.17	-1,077	745.95	5,620
Revenue	68,042	69,507	61,506	54,364	41,031
Revenue Growth (YoY)	-2.11%	13.01%	13.14%	32.50%	23.63%
Salaries and Employee Benefits	24,868	27,879	25,790	27,086	26,751
Occupancy Expenses	-	3,313	3,699	2,931	2,761
Selling, General & Administrative	-	675.84	673.05	544.72	511.98
Other Non-Interest Expense	13,537	8,252	7,464	5,947	5,963
Total Non-Interest Expense	38,486	40,165	37,612	36,689	36,082
EBT Excluding Unusual Items	29,555	29,342	23,894	17,675	4,949
Pretax Income	29,555	29,342	23,894	17,675	4,949
Income Tax Expense	5,960	8,524	6,182	5,870	-
Net Income	23,595	20,818	17,712	11,805	4,949
Net Income to Common	23,595	20,818	17,712	11,805	4,949
Net Income Growth	13.34%	17.53%	50.04%	138.56%	15.50%
Basic Shares Outstanding	1,102	1,101	1,052	964	831
Diluted Shares Outstanding	1,102	1,101	1,052	964	831
Shares Change (YoY)	0.03%	4.67%	9.18%	15.99%	16.44%
EPS (Basic)	21.42	18.91	16.84	12.25	5.96
EPS (Diluted)	21.42	18.91	16.84	12.25	5.96
EPS Growth	13.30%	12.29%	37.44%	105.65%	-0.81%
Dividend Per Share	-	2.150	2.150	0.500	-
Dividend Growth	-	-	330.00%	-	-
Effective Tax Rate	20.17%	29.05%	25.87%	33.21%	-

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