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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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 | : | ₹ 17,316.4 Cr |
| Revenue (TTM) | : | ₹ 13,150.7 Cr |
| Net Profit(TTM) | : | ₹ 2,367.6 Cr |
| EPS (TTM) | : | ₹ 21.5 |
| P/E (TTM) | : | 7.3 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| THE JAMMU & KASHMIR BANK | 6.1% | 17.2% | 43.2% |
| HDFC BANK | 4.6% | 3% | -24.7% |
| ICICI BANK | 7.2% | 8.4% | -9.7% |
| KOTAK MAHINDRA BANK | 7% | 6.7% | -5.2% |
| AXIS BANK | 6.9% | 8% | 10.2% |
| IDBI BANK | 5% | 6% | -28.4% |
| AU SMALL FINANCE BANK | 6% | 2.2% | 28.8% |
| THE FEDERAL BANK | 3.4% | 12.5% | 49.2% |
| INDUSIND BANK | 2.5% | 2.8% | 8.1% |
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 | : | ₹157.3 |
| Current MarketCap | : | ₹ 17,316.4 Cr |
| Updated EOD on | : | Jun 12,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| THE JAMMU & KASHMIR BANK | 6.1% |
17.2% |
43.2% |
| SENSEX | 1.7% |
1.3% |
-7.3% |
THE JAMMU & KASHMIR BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE MIDSMALL PRIVATE BANKS QUALITY TILT | 4% | 7.7% | NA |
| BSE FINANCIAL SERVICES | 3.2% | 3.2% | -2.3% |
| BSE 1000 | 0.6% | 1.5% | -1.6% |
| BSE 500 | 0.6% | 1.3% | -1.8% |
| BSE 250 SMALLCAP INDEX | 0.2% | 1.8% | -0.5% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY 500 | 0.6% | 1.3% | -1.5% |
| NIFTY TOTAL MARKET | 0.6% | 1.5% | -1.3% |
| NIFTY500 MULTICAP 50:25:25 | 0.5% | 1.5% | -0.6% |
| NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX | 0.3% | 1.6% | 0.1% |
| NIFTY SMALLCAP 500 | 0.2% | 2.7% | NA |
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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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