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 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
Net Income	23,595	20,818	17,712	11,805	4,949
Depreciation & Amortization	1,283	1,680	2,176	1,577	1,441
Gain (Loss) on Sale of Investments	129.6	1,215	458.56	-125.28	-354.13
Provision for Credit Losses	510.7	238.99	-1,124	1,342	3,137
Change in Other Net Operating Assets	-203,367	-138,521	-159,538	-94,854	-93,441
Other Operating Activities	-1,312	3,912	4,415	2,940	2,033
Operating Cash Flow	-179,161	-110,656	-135,900	-77,315	-82,235
Capital Expenditures	-4,694	-1,021	-1,857	-1,235	-851.85
Cash Acquisitions	-1,437	-	-715.68	-	-
Other Investing Activities	3,111	-	-	-	-
Investing Cash Flow	-3,020	-1,021	-2,573	-1,235	-851.85
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	-2,368	-515.74	-	-
Net Increase (Decrease) in Deposit Accounts	167,904	137,888	127,375	73,244	66,555
Other Financing Activities	-2,632	-2,977	-2,850	-3,152	-1,986
Financing Cash Flow	162,905	127,544	131,449	79,620	75,969
Net Cash Flow	-19,279	15,867	-7,024	1,070	-7,118
Free Cash Flow	-183,855	-111,677	-137,757	-78,551	-83,087
Free Cash Flow Margin	-270.21%	-160.67%	-223.97%	-144.49%	-202.50%
Free Cash Flow Per Share	-166.91	-101.42	-130.94	-81.52	-100.01
Cash Interest Paid	2,632	2,977	2,850	2,217	1,986
Cash Income Tax Paid	7,654	7,310	4,664	4,551	2,435

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