THE JAMMU & KASHMIR BANK Financial Statement Analysis
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The Net Interest Income of THE JAMMU & KASHMIR BANK have increased by 11.42% YoY .
The Earnings Per Share (EPS) of THE JAMMU & KASHMIR BANK has increased by 17.60 % YoY. |
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| NET INTEREST INCOME |
| NET INTEREST MARGIN |
| PROFIT AFTER TAX |
| EPS |
| ROCE |
THE JAMMU & KASHMIR BANK Last 5 Annual Financial Results
[BOM: 532209|NSE : J&KBANK]
| Consolidated | Mar2025 | Mar2024 | Mar2023 | Mar2022 | Mar2021 |
|---|---|---|---|---|---|
| Interest Earned | ₹12,541 Cr | ₹11,213 Cr | ₹9,355 Cr | ₹8,013 Cr | ₹8,111 Cr |
| Other Income | ₹1,147 Cr | ₹838 Cr | ₹765 Cr | ₹753 Cr | ₹701 Cr |
| Interest Expended | ₹6,741 Cr | ₹6,008 Cr | ₹4,609 Cr | ₹4,101 Cr | ₹4,340 Cr |
| Operating Expenses | ₹4,012 Cr | ₹3,763 Cr | ₹3,651 Cr | ₹3,599 Cr | ₹2,884 Cr |
| Profit Before Tax | ₹2,939 Cr | ₹2,388 Cr | ₹1,786 Cr | ₹746 Cr | ₹537 Cr |
| Profit After Tax | ₹2,086 Cr | ₹1,770 Cr | ₹1,199 Cr | ₹504 Cr | ₹435 Cr |
| Consolidated Net Profit | ₹2,082 Cr | ₹1,771 Cr | ₹1,181 Cr | ₹495 Cr | ₹428 Cr |
| Earnings Per Share (Rs) | ₹18.91 | ₹16.08 | ₹11.44 | ₹5.30 | ₹6.01 |
| NIM | 3.74 | 3.80 | 3.77 | 3.46 | 3.52 |
| ROE(%) | 17.46 | 18.12 | 15.32 | 7.84 | 7.78 |
| ROCE(%) | 20.48 | 19.45 | 17.59 | 9.82 | 8.58 |
| Advances Growth | 11.12 | 13.95 | 16.88 | 5.31 | 3.79 |
| Net NPAs (funded) to Net Advances (%) | 0.00 | 0.00 | 0.00 | 2.49 | 2.95 |
Key Financials |
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| Market Cap | : | ₹ 11,425.0 Cr |
| Revenue (TTM) | : | ₹ 12,816.2 Cr |
| Net Profit(TTM) | : | ₹ 2,155.5 Cr |
| EPS (TTM) | : | ₹ 19.6 |
| P/E (TTM) | : | 5.3 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| THE JAMMU & KASHMIR BANK | 1.3% | -7.7% | -5.6% |
| HDFC BANK | -0.8% | -0.8% | 18.6% |
| ICICI BANK | -1.3% | -0.7% | 21.2% |
| KOTAK MAHINDRA BANK | -0.2% | -9.1% | 10.5% |
| AXIS BANK | -1% | -8.5% | -8.2% |
| INDUSIND BANK | -4.2% | -12.2% | -42.1% |
| IDBI BANK | -1.8% | -10.5% | -7.6% |
| YES BANK | 0.3% | -8% | -23.3% |
| IDFC FIRST BANK | 0.9% | -4.2% | -3.8% |
THE JAMMU & KASHMIR BANK Net Interest Income
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 11.42 % |
| 5 Yr CAGR | 11.36 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2025 | ₹5,800 Cr | 11.42 | |
| Mar2024 | ₹5,205 Cr | 9.68 | |
| Mar2023 | ₹4,746 Cr | 21.32 | |
| Mar2022 | ₹3,912 Cr | 3.72 | |
| Mar2021 | ₹3,771 Cr | - | |
THE JAMMU & KASHMIR BANK Net Interest Margin (NIM)
[BOM: 532209|NSE : J&KBANK]
| Net Interest Margins | |
|---|---|
| Y-o-Y | -1.58 % |
| 5 Yr CAGR | 1.53 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 3.74% | -1.58 | |
| Mar2024 | 3.8% | 0.80 | |
| Mar2023 | 3.77% | 8.96 | |
| Mar2022 | 3.46% | -1.70 | |
| Mar2021 | 3.52% | - | |
THE JAMMU & KASHMIR BANK Profit After Tax
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 17.53 % |
| 5 Yr CAGR | 48.47 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹2,082 Cr | 17.53 | |
| Mar2024 | ₹1,771 Cr | 50.04 | |
| Mar2023 | ₹1,181 Cr | 138.56 | |
| Mar2022 | ₹495 Cr | 15.50 | |
| Mar2021 | ₹428 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | 5.47 % |
| 5 Yr CAGR | 33.32 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | 35.89 % | 5.47 | |
| Mar2024 | 34.03 % | 36.78 | |
| Mar2023 | 24.88 % | 96.68 | |
| Mar2022 | 12.65 % | 11.36 | |
| Mar2021 | 11.36 % | - | |
THE JAMMU & KASHMIR BANK Earnings Per Share (EPS)
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 17.60 % |
| 5 Yr CAGR | 33.18 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹19 | 17.60 | |
| Mar2024 | ₹16 | 40.56 | |
| Mar2023 | ₹11 | 115.85 | |
| Mar2022 | ₹5.30 | -11.81 | |
| Mar2021 | ₹6.01 | - | |
THE JAMMU & KASHMIR BANK Return on Capital Employed (ROCE)
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 5.30 % |
| 5 Yr CAGR | 24.30 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2025 | 20.48% | 5.30 | |
| Mar2024 | 19.45% | 10.57 | |
| Mar2023 | 17.59% | 79.12 | |
| Mar2022 | 9.82% | 14.45 | |
| Mar2021 | 8.58% | - | |
THE JAMMU & KASHMIR BANK Share Price vs Sensex
| Current Share Price | : | ₹103.8 |
| Current MarketCap | : | ₹ 11,425.0 Cr |
| Updated EOD on | : | Aug 13,2025 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| THE JAMMU & KASHMIR BANK | 1.3% |
-7.7% |
-5.6% |
| SENSEX | -0% |
-2.1% |
1.1% |
THE JAMMU & KASHMIR BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE ALLCAP | 6.4% | 8.9% | 7.5% |
| BSE MIDSMALLCAP | 4.7% | 9% | 8.4% |
| BSE PSU | 0.9% | -3.3% | -12.2% |
| BSE 500 | 0.1% | -2.6% | -1.6% |
| BSE FINANCIAL SERVICES | -0.1% | -2.6% | 10.7% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY 500 | 0.1% | -2.6% | -1% |
| NIFTY TOTAL MARKET | 0.1% | -2.7% | -1.1% |
| NIFTY500 MULTICAP 50:25:25 | 0% | -3.3% | -1.2% |
| NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX | -0% | -3.8% | -1.4% |
| NIFTY 500 EQUAL WEIGHT | -0.1% | -4.3% | -3.6% |
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FAQ about THE JAMMU & KASHMIR BANK Financials
How the annual revenues of THE JAMMU & KASHMIR BANK have changed ?
The Net Interest Income of THE JAMMU & KASHMIR BANK have increased by 11.42% YoY .
How the Earnings per Share (EPS) of THE JAMMU & KASHMIR BANK have changed?
The Earnings Per Share (EPS) of THE JAMMU & KASHMIR BANK has increased by 17.60 % YoY .
Check out Intrinsic Value of Peers of THE JAMMU & KASHMIR BANK
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Intrinsic Value of HDFC BANK LTD Intrinsic Value of ICICI BANK LTD Intrinsic Value of KOTAK MAHINDRA BANK LTD Intrinsic Value of AXIS BANK LTD Intrinsic Value of INDUSIND BANK LTD |
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