Jammu and Kashmir Bank Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	20,818	17,712	11,805	4,949	4,284
Depreciation & Amortization	1,680	2,176	1,577	1,441	1,343
Gain (Loss) on Sale of Investments	1,215	458.56	-125.28	-354.13	7.19
Provision for Credit Losses	238.99	-1,124	1,342	3,137	10,653
Change in Other Net Operating Assets	-138,521	-159,538	-94,854	-93,441	-120,893
Other Operating Activities	3,912	4,415	2,940	2,033	1,987
Operating Cash Flow	-110,656	-135,900	-77,315	-82,235	-102,756
Capital Expenditures	-1,021	-1,857	-1,235	-851.85	-759.83
Cash Acquisitions	-	-715.68	-	-	-
Income (Loss) Equity Investments	-	-	-	-	-137.98
Investing Cash Flow	-1,021	-2,573	-1,235	-851.85	-759.83
Long-Term Debt Issued	-	-	5,210	3,600	-
Long-Term Debt Repaid	-5,000	-	-	-	-
Net Debt Issued (Repaid)	-5,000	-	5,210	3,600	-
Issuance of Common Stock	0.45	7,440	4,318	7,800	-
Common Dividends Paid	-2,368	-515.74	-	-	-
Net Increase (Decrease) in Deposit Accounts	137,888	127,375	73,244	66,555	102,615
Other Financing Activities	-2,977	-2,850	-3,152	-1,986	-1,988
Financing Cash Flow	127,544	131,449	79,620	75,969	100,627
Net Cash Flow	15,867	-7,024	1,070	-7,118	-2,889
Free Cash Flow	-111,677	-137,757	-78,551	-83,087	-103,516
Free Cash Flow Margin	-160.67%	-223.97%	-144.49%	-202.50%	-311.89%
Free Cash Flow Per Share	-101.42	-130.94	-81.52	-100.01	-145.09
Cash Interest Paid	2,977	2,850	2,217	1,986	1,988
Cash Income Tax Paid	7,310	4,664	4,551	2,435	877.35

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