THE JAMMU & KASHMIR BANK
Quarterly Results Analysis [Jun2026]
THE JAMMU & KASHMIR BANK Quarterly Results
| Consolidated | Jun2026 UnAudited |
Mar2026 UnAudited |
Dec2025 UnAudited |
Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
Sep2024 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹3,547 Cr | ₹3,273 Cr | ₹3,315 Cr | ₹3,293 Cr | ₹3,269 Cr | ₹3,213 Cr | ₹3,210 Cr | ₹3,124 Cr |
| Other Income | ₹217 Cr | ₹262 Cr | ₹282 Cr | ₹157 Cr | ₹252 Cr | ₹403 Cr | ₹242 Cr | ₹301 Cr |
| Interest Expended | ₹2,049 Cr | ₹1,784 Cr | ₹1,824 Cr | ₹1,858 Cr | ₹1,803 Cr | ₹1,732 Cr | ₹1,697 Cr | ₹1,687 Cr |
| Expenses | ₹1,011 Cr | ₹839 Cr | ₹991 Cr | ₹969 Cr | ₹1,044 Cr | ₹1,084 Cr | ₹1,006 Cr | ₹948 Cr |
| Operating Income | ₹705 Cr | ₹913 Cr | ₹781 Cr | ₹624 Cr | ₹674 Cr | ₹801 Cr | ₹749 Cr | ₹789 Cr |
| Provisions and contingencies | ₹84 Cr | ₹50 Cr | ₹-26 Cr | ₹-11 Cr | ₹15 Cr | ₹-9 Cr | ₹-10 Cr | ₹33 Cr |
| Profit Before Tax | ₹621 Cr | ₹862 Cr | ₹807 Cr | ₹635 Cr | ₹659 Cr | ₹810 Cr | ₹758 Cr | ₹757 Cr |
| Profit After Tax | ₹425 Cr | ₹799 Cr | ₹588 Cr | ₹495 Cr | ₹486 Cr | ₹585 Cr | ₹532 Cr | ₹553 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹3.89 | ₹7.25 | ₹5.28 | ₹4.49 | ₹4.40 | ₹5.28 | ₹4.80 | ₹5.02 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| THE JAMMU & KASHMIR BANK | 1.6% | -5.4% | 43.7% |
| HDFC BANK | 0.3% | -4% | -25.5% |
| ICICI BANK | -2% | -2.1% | 2.2% |
| KOTAK MAHINDRA BANK | -1.7% | 6.3% | 7.7% |
| AXIS BANK | -0.8% | -0.2% | 20.2% |
| IDBI BANK | -11.2% | -2.2% | 0.1% |
| AU SMALL FINANCE BANK | -0.5% | 0.4% | 48.2% |
| THE FEDERAL BANK | -2.6% | -3.7% | 76.9% |
| INDUSIND BANK | 2.2% | -2.1% | 30% |
THE JAMMU & KASHMIR BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 0.63 % |
| Y-o-Y | 2.18 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Jun2026 | ₹1,499 Cr | 0.63 | |
| Mar2026 | ₹1,489 Cr | -0.08 | |
| Dec2025 | ₹1,491 Cr | 3.85 | |
| Sep2025 | ₹1,435 Cr | -2.14 | |
| Jun2025 | ₹1,467 Cr | -1.01 | |
| Mar2025 | ₹1,482 Cr | -2.03 | |
| Dec2024 | ₹1,512 Cr | 5.31 | |
| Sep2024 | ₹1,436 Cr | - | |
THE JAMMU & KASHMIR BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -22.77 % |
| Y-o-Y | 4.50 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Jun2026 | ₹705 Cr | -22.77 | |
| Mar2026 | ₹913 Cr | 16.79 | |
| Dec2025 | ₹781 Cr | 25.27 | |
| Sep2025 | ₹624 Cr | -7.52 | |
| Jun2025 | ₹674 Cr | -15.75 | |
| Mar2025 | ₹801 Cr | 6.92 | |
| Dec2024 | ₹749 Cr | -5.15 | |
| Sep2024 | ₹789 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -23.24 % |
| Y-o-Y | 2.28 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Jun2026 | 47.03% | -23.24 | |
| Mar2026 | 61.27% | 16.88 | |
| Dec2025 | 52.42% | 20.62 | |
| Sep2025 | 43.46% | -5.48 | |
| Jun2025 | 45.98% | -14.90 | |
| Mar2025 | 54.03% | 9.15 | |
| Dec2024 | 49.5% | -9.93 | |
| Sep2024 | 54.96% | - | |
THE JAMMU & KASHMIR BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | -46.78 % |
| Y-o-Y | -12.49 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Jun2026 | ₹425 Cr | -46.78 | |
| Mar2026 | ₹799 Cr | 36.02 | |
| Dec2025 | ₹588 Cr | 18.71 | |
| Sep2025 | ₹495 Cr | 1.83 | |
| Jun2025 | ₹486 Cr | -16.91 | |
| Mar2025 | ₹585 Cr | 9.97 | |
| Dec2024 | ₹532 Cr | -3.75 | |
| Sep2024 | ₹553 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | -50.88 % |
| Y-o-Y | -19.31 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Jun2026 | 11.99 % | -50.88 | |
| Mar2026 | 24.41 % | 37.75 | |
| Dec2025 | 17.72 % | 17.90 | |
| Sep2025 | 15.03 % | 1.14 | |
| Jun2025 | 14.86 % | -18.35 | |
| Mar2025 | 18.2 % | 9.84 | |
| Dec2024 | 16.57 % | -6.33 | |
| Sep2024 | 17.69 % | - | |
THE JAMMU & KASHMIR BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -46.34 % |
| Y-o-Y | -11.59 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Jun2026 | ₹3.89 | -46.34 | |
| Mar2026 | ₹7.25 | 37.31 | |
| Dec2025 | ₹5.28 | 17.59 | |
| Sep2025 | ₹4.49 | 2.05 | |
| Jun2025 | ₹4.4 | -16.67 | |
| Mar2025 | ₹5.28 | 10.00 | |
| Dec2024 | ₹4.8 | -4.38 | |
| Sep2024 | ₹5.02 | - | |
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