statements

The Jammu & Kashmir Bank Ltd.

NSE: J&KBANK

BSE: 532209

Sector: Financial Services

Industry Group: Banks

Industry: Private Sector Bank

147.03-0.8 (-0.57%)

8 Sep, 12:00 AM

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Income Statement

Abridged

Understanding Income Statement

The Jammu & Kashmir Bank Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	C 2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	C 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
	2012 Mar 31	2013 Mar 31	C 2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	C 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR
Net Interest & Dividend Income	1,839	2,317	2,685	2,653	2,711	2,513	2,871	3,384	3,707	3,771	3,912	4,746	5,205	5,800	5,882	5,914
Non-Interest Revenue	188	346	258	320	376	336	246	425	320	478	340	225	316	380	431	-
Total Revenue	2,027	2,663	2,943	2,972	3,088	2,849	3,117	3,809	4,027	4,250	4,252	4,971	5,521	6,180	6,314	5,914
Total Operating Expenses	855	1,148	1,199	2,156	2,399	4,357	2,991	3,195	5,135	3,686	3,471	3,174	3,180	3,193	3,162	2,989
Operating Profit	1,171	1,515	1,744	817	689	-1,508	127	614	-1,107	564	781	1,797	2,341	2,987	3,152	2,925
Operating Margin	57.8	56.9	59.3	27.5	22.3	-52.9	4.1	16.1	-27.5	13.3	18.4	36.1	42.4	48.3	49.9	49.5
Profit before Taxes	1,201	1,526	1,750	820	689	-1,507	121	659	-1,144	537	746	1,786	2,388	2,939	2,964	2,925
Income Taxes	398	471	569	312	276	126	-82	195	39	102	241	587	618	852	596	618
Profit after Tax	803	1,055	1,181	508	414	-1,633	203	464	-1,183	428	495	1,181	1,771	2,082	2,359	2,304
PAT Margin	39.6	39.6	40.1	17.1	13.4	-57.3	6.5	12.2	-29.4	10.1	11.6	23.7	32.1	33.7	37.4	39.0
EPS - Basic - ex Extraordinary Items	16.57	21.76	24.36	10.49	8.54	-33.60	3.64	8.33	-16.59	6.01	5.96	12.25	16.84	18.91	21.43	20.91
EPS - Diluted - ex Extraordinary Items	16.57	21.76	24.36	10.49	8.54	-33.60	3.64	8.33	-16.59	6.01	5.96	12.25	16.84	18.91	21.43	20.91
EBIT	1,171	1,515	1,744	817	689	-1,508	127	614	-1,107	564	781	1,797	2,341	2,987	3,152	2,925
EBITDA	1,215	1,565	1,822	912	753	-1,423	224	718	-982	698	925	1,955	2,559	3,155	3,280	2,925
EBITDA Margin	60.0	58.8	61.9	30.7	24.4	-49.9	7.2	18.9	-24.4	16.4	21.8	39.3	46.3	51.0	52.0	49.5

Balance Sheet

Abridged

Understanding Balance Sheet

The Jammu & Kashmir Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	C 2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	2012 Mar 31	2013 Mar 31	C 2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	3,884	3,490	4,179	3,143	3,765	4,276	4,929	6,038	3,579	4,121	1,704	8,140	7,583	7,739	7,887
Lending & LT Balance with Banks	1,124	1,300	1,106	1,324	4	1,733	3,886	905	6,665	5,705	7,330	971	800	2,225	138
Property Plant & Equipment - Net	420	457	535	690	764	1,544	1,615	1,675	2,071	2,013	1,954	2,272	2,258	2,192	2,533
Total Assets	60,264	71,734	78,613	75,910	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,45,913	1,54,505	1,69,424	1,88,960
Deposits - Total	53,342	64,212	69,328	65,736	69,379	72,459	80,005	89,637	97,786	1,08,047	1,14,703	1,22,027	1,34,763	1,48,552	1,65,342
Long Term Debt	-	-	1,765	2,340	775	1,133	1,628	2,024	2,020	2,015	1,871	1,887	1,385	1,383	1,531
Total Liabilities	56,170	66,870	72,891	69,801	73,833	76,339	83,527	94,783	1,02,483	1,13,471	1,22,499	1,36,016	1,42,312	1,55,215	1,72,460
Total Shareholders' Equity	4,093	4,865	5,722	6,108	6,421	5,673	6,158	6,622	6,346	6,802	8,077	9,896	12,193	14,208	16,500
Total Equity	4,093	4,865	5,722	6,108	6,421	5,673	6,158	6,622	6,346	6,802	8,077	9,896	12,193	14,208	16,500
Total Liabilities & Equity	60,264	71,734	78,613	75,910	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,45,913	1,54,505	1,69,424	1,88,960

Cash Flow

Abridged

Understanding Cash Flow Statement

The Jammu & Kashmir Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	1,012	1,326	1,367	1,590	1,333	1,303	1,293	1,785	1,474	1,642	994	1,532	2,079	2,489	2,157
Working Capital - Increase/(Decrease)	-26	65	-2,794	-2,100	-1,506	2,563	1,104	-5,004	2,665	-1,850	-2,757	-2,161	-3,209	-61	-4,594
Net CF from Operating Activities	986	1,391	-1,427	-511	-173	3,866	2,397	-3,219	4,139	-209	-1,762	-629	-1,130	2,428	-2,437
Capital Expenditures - Net	70	86	157	249	136	861	164	165	115	76	85	124	186	102	469
Net CF from Investing Activities	-70	-86	-169	-261	-136	-861	-164	-165	-115	-76	-85	-124	-257	-102	-302
Dividends Paid - Cash - Total	147	189	284	284	122	102	-	-	-	-	-	-	52	237	237
Stock - Issuance/(Retirement) - Net	-	-	-	-	-	4	4	-	16	-	115	-84	7	-	-
Debt - LT & ST - Issuance/(Retirement) - Total	136	-166	690	575	-100	-964	352	996	-604	-4	356	521	-7	-502	1,048
Net Cash Flow from Financing Activities	-11	-355	406	291	-222	-816	634	996	-104	-4	1,136	860	685	-739	811
Free Cash Flow to Equity	1,052	1,139	-893	-185	-409	2,041	2,585	-2,388	3,420	-289	-1,492	-231	-1,323	1,823	-1,858
Free Operating CF net dividend	769	1,117	-1,867	-1,043	-431	2,903	2,233	-3,383	4,025	-285	-1,847	-753	-1,368	2,089	-3,143
Free Operating CF	916	1,305	-1,583	-760	-309	3,005	2,233	-3,383	4,025	-285	-1,847	-753	-1,316	2,326	-2,906

Business Segment Analysis

FY End:

Mar 26

The Jammu & Kashmir Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Other Retail Banking (58.8%)₹ 9,004.09 CrTreasury Operations (23.5%)₹ 3,594.34 CrCorporate/Whole Sale Banking (17.1%)₹ 2,623.39 CrOther Banking Businesses (0.7%)₹ 102.61 CrDigilal Banking (0.0%)₹ 0.17 Cr

Assets

Other Retail Banking (46.2%)₹ 87,317.22 CrTreasury Operations (28.9%)₹ 54,628.01 CrCorporate/Whole Sale Banking (24.9%)₹ 47,014.22 CrDigilal Banking (0.0%)₹ 0.32 Cr

Regional Segment Analysis

The Jammu & Kashmir Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for The Jammu & Kashmir Bank Ltd.

Historical Segment Analysis

Track how The Jammu & Kashmir Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for The Jammu & Kashmir Bank Ltd..

Frequently Asked Questions

What is the revenue of The Jammu & Kashmir Bank Ltd.?

The latest trailing twelve month revenue of The Jammu & Kashmir Bank Ltd. is ₹ 6,833.19 Cr, reflecting a 1-year growth of -3.74% and a 3-year CAGR of 5.70%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of The Jammu & Kashmir Bank Ltd.?

The latest trailing twelve month net profit (PAT) of The Jammu & Kashmir Bank Ltd. is ₹ 2,303.89 Cr, with a 3-year earnings CAGR of 14.95%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of The Jammu & Kashmir Bank Ltd.?

The trailing twelve month EBITDA of The Jammu & Kashmir Bank Ltd. is approximately ₹ 2,925.01 Cr (based on an operating margin of 42.81%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of The Jammu & Kashmir Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of The Jammu & Kashmir Bank Ltd. is 20.91. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of The Jammu & Kashmir Bank Ltd.?

The debt-to-equity ratio of The Jammu & Kashmir Bank Ltd. stands at 0.26. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of The Jammu & Kashmir Bank Ltd.?

The estimated book value per share of The Jammu & Kashmir Bank Ltd. is 154.41 (derived from a P/B ratio of 0.95 and market price of ₹ 147.03), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of The Jammu & Kashmir Bank Ltd.?

The trailing twelve month operating cash flow of The Jammu & Kashmir Bank Ltd. is ₹ -2,437.31 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does The Jammu & Kashmir Bank Ltd. report consolidated or standalone financials?

The Jammu & Kashmir Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.