The Jammu & Kashmir Bank Ltd.

•

jkb.bank.inBSE: 532209NSE: J&KBANK

Market Cap₹ 15,923 Cr.

Current Price

High / Low₹ 202 / 97

Stock P/E6.9

Book Value₹ 143

Price to Book0.80

Dividend Yield0.00 %

ROCE17.6 %

ROE16.7 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 58.7% • Treasury Operations: 23.5% • Corporate/Whole sale Banking: 17.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 40.5% CAGR over last 5 years
Strong return ratios for a lender: 3Y avg ROE 17.4%, ROA 1.3%
Comfortable capital adequacy - CAR of 16.6%
Solid return on assets for a lender - ROA of 1.3%
Strong provisioning - provision coverage ratio of 90.5%
Healthy loan book growth of 17.7% with stable asset quality

CONS

A large part of profit comes from other income (31.8% of PBT)
Though reporting repeated profits, the company pays out little dividend (0.0%)
Growth is decelerating - 3Y profit CAGR (25.4%) trails the 5Y trend (40.5%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private

Part ofNIFTY TOTAL MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	HDFCBANK	700.95	13.67	1080456.88	2.21	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1428.00	18.27	1024929.49	0.84	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	424.65	20.81	422427.21	0.15	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1255.00	14.07	390712.28	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	91.38	10.54	98255.45	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	353.10	18.64	87288.79	0.34	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1079.45	44.46	81021.15	0.09	795.95	37.03	5302.74	21.11	14.17	56.24
8.	INDUSINDBK	977.10	57.57	76129.82	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	84.95	31.78	73241.42	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.18	18.44	69619.24	0.00	10718.10	1225.35	80544.90	959.16	8.04	58.47
11.	RBLBANK	389.50	67.19	60409.09	0.26	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	J&KBANK	144.60	6.91	15923.10	0.00	425.32	-12.49	3547.48	8.50	17.75	69.12

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2,657	2,764	2,881	2,910	2,994	3,124	3,206	3,212	3,268	3,292	3,313	3,272	3,546
Interest Expended	1,374	1,430	1,601	1,604	1,625	1,688	1,697	1,732	1,803	1,858	1,825	1,784	2,049
Net Interest Income	1,283	1,334	1,280	1,306	1,369	1,436	1,509	1,480	1,465	1,434	1,489	1,487	1,497
	228	190	182	225	194	296	242	402	250	155	279	259	214
Total Income	2,885	2,954	0	0	3,193	3,424	3,452	3,619	3,523	3,450	3,597	3,536	3,760
Operating Expenses	984	990	912	867	969	945	1,003	1,082	1,043	966	988	836	1,008
Operating Profit	528	534	551	664	595	787	748	800	673	623	780	911	703
Provisions & Contingencies	77	-10	-9	-165	-17	33	-10	-9	15	-11	-26	50	84
Profit before Tax	451	544	560	829	612	754	758	809	658	634	806	861	619
Tax %	27.67%	30.00%	24.80%	22.95%	32.13%	26.98%	29.87%	27.76%	26.29%	22.01%	27.21%	7.29%	31.50%
Net Profit	326	381	421	639	415	551	532	585	485	494	587	798	424
EPS	3	4	4	6	4	5	5	5	4	4	5	7	0
Gross NPA %	5.77%	5.26%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.37%
Net NPA %	1.39%	1.04%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.60%
Provision Coverage %	87.55%	89.99%	0.00%	0.00%	91.57%	90.54%	89.67%	90.29%	90.09%	90.39%	90.46%	90.33%	90.53%
NIM %	3.98%	4.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.28%
CASA %	53.29%	50.61%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	42.06%
Capital Adequacy %	14.83%	14.53%	0.00%	0.00%	15.16%	15.07%	15.18%	16.38%	16.00%	15.27%	15.04%	16.41%	16.67%
Return on Assets %	0.94%	1.08%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.87%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	11,212	12,536	13,145	—
Interest Expended	4,174	3,751	4,292	4,740	4,340	4,102	4,610	6,009	6,742	7,269	7,515
Net Interest Income	-4,174	-3,751	-4,292	-4,740	-4,340	-4,102	-4,610	5,204	5,794	5,876	—
	493	495	813	546	692	744	757	825	1,130	940	908
Total Income	0	0	0	0	0	0	0	12,038	13,666	14,085	14,343
	0	0	0	0	0	0	0	3,752	3,994	3,829	—
Operating Profit	-4,174	-3,751	-4,292	-4,740	-4,340	-4,102	-4,610	2,277	2,930	2,986	—
	414	176	42	103	18	-42	106	-108	-4	29	—
Profit before Tax	-1,506	121	660	-1,100	534	743	1,784	2,385	2,934	2,958	2,919
Tax %	0	0	0	0	0	0	0	26	29	20	21
Net Profit	-1,632	203	465	-1,139	432	502	1,197	1,767	2,082	2,363	2,303
EPS	-34	4	8	-16	6	6	12	16	19	21	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	0	0	0	0	0	0	0	62	58	56	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—

COMPOUNDED SALES GROWTH

10 Years:: 7%
5 Years:: 10%
3 Years:: 12%

COMPOUNDED PROFIT GROWTH

10 Years:: 19%
5 Years:: 40%
3 Years:: 25%

STOCK PRICE CAGR

10 Years:: 8%
5 Years:: 32%
3 Years:: 18%
1 Year:: 46%

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 15%
3 Years:: 17%
Last Year:: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	52	56	56	71	71	93	103	110	110	110
	5,624	6,106	6,570	6,322	6,754	7,920	9,840	12,126	14,142	16,640
	72,463	80,006	89,639	97,788	1,08,061	1,14,710	1,22,038	1,34,776	1,48,569	1,65,354
	1,276	1,628	2,624	2,020	2,015	2,371	2,892	2,885	2,383	3,431
Other Liabilities & Provisions	2,603	1,892	2,517	2,671	3,390	5,414	11,089	4,630	4,264	3,659
Total Liabilities	82,019	89,688	1,01,406	1,08,872	1,20,292	1,30,602	1,45,962	15	1,69,468	1,89,194
ASSETS	-	-	-	-	-	-	-	-	-	-
	3,591	4,328	4,875	2,947	3,685	7,750	7,794	7,250	7,385	7,622
Balances with Banks & Money at Call	1,795	3,925	987	6,835	5,812	1,035	1,085	927	2,374	204
	21,291	18,880	23,161	23,052	30,814	33,835	34,829	34,987	41,213	40,822
	49,816	56,913	66,272	64,399	66,842	70,401	82,285	93,763	1,04,199	1,22,641
	1,479	1,598	1,646	2,036	1,971	1,907	2,224	2,208	2,126	2,444
	3,982	4,027	4,438	9,567	11,126	15,628	17,697	15,342	12,106	15,373
Total Assets	82,019	89,688	1,01,406	1,08,872	1,20,292	1,30,602	1,45,962	15	1,69,468	1,89,194
CASA Deposits	27,898	29,443	34,080	40,095	47,554	50,477	52,025	53,249	53,604	58,086
CASA Ratio (%)	38.50	36.80	38.02	41.00	44.01	44.00	42.63	39.51	36.08	35.13
Credit-Deposit Ratio (%)	68.75	71.14	73.93	65.86	61.86	61.37	67.43	69.57	70.13	74.17
Contingent Liabilities	6,109	5,795	6,393	5,757	4,867	5,525	5,234	4,845	5,716	6,440
Bills for Collection	0	0	0	0	0	0	0	1,513	1,365	1,438
Book Value per Share	96.71	99.51	108.11	75.65	82.04	75.72	83.98	99.59	118.18	138.30

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2,451	2,362	-2,995	4,374	-11	-1,568	-421	-851	2,718	-1,132
Cash from Investing	-861	-164	-164	-114	-76	-85	-123	-257	-102	-302
Cash from Financing	593	668	769	-339	-199	941	638	407	-1,034	-500
	2,183	2,867	-2,391	3,921	-285	-713	94	-701	1,582	-1,934

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	-31.31	3.64	8.35	-15.97	6.06	5.38	11.61	16.05	18.91	21.46
Book Value (₹)	96.71	99.51	108.11	75.65	82.04	75.72	83.98	99.59	118.18	138.30
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.50	2.15	2.15	0.00
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.80%	3.73%	3.43%
ROA %	-2.01%	0.24%	0.49%	-1.08%	0.38%	0.40%	0.87%	1.18%	1.29%	1.32%
ROE %	-28.47%	3.83%	8.04%	-19.96%	7.68%	7.77%	15.23%	18.01%	17.37%	16.74%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	62.24%	57.69%	56.18%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	8.67%	6.04%	5.26%	0.00%	3.50%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	2.49%	1.62%	1.04%	0.00%	0.82%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	84.26%	86.20%	89.99%	90.29%	90.33%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	50.51%	47.01%	45.65%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.02%	0.02%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.42%	16.38%	16.55%
GROWTH & VALUATION
Net Profit Growth %	-492.35%	112.42%	129.32%	-345.10%	137.93%	16.07%	138.73%	47.59%	17.84%	13.49%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	18.59%	18.66%	17.03%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	8.35x	4.88x	5.13x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.35x	0.78x	0.80x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.60%	2.33%	0.00%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40
	7.16	6.47	7.07	7.64	8.01	7.85	8.14	8.35	9.38
	6.74	6.41	6.57	6.69	5.87	5.76	5.84	6.00	7.85
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	26.70	27.74	26.96	26.26	26.72	26.99	26.63	26.25	23.38

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-31

Retirement

2026-08-31 - The Jammu & Kashmir Bank Limited has informed the Exchange about Retirement of Mr. Rakesh Koul and Mr. Syed Rais Maqbool

2026-08-31

Appointment

2026-08-31 - The Jammu & Kashmir Bank Limited has informed the Exchange regarding Appointment of Mr. Tsewang Tharchin as Non- Executive Director of the company w.e.f. August 31, 2026.

2026-08-30

Copy of Newspaper Publication

2026-08-30 - The Jammu & Kashmir Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-29

Updates

2026-08-29 - The Jammu & Kashmir Bank Limited has informed the Exchange regarding 'BRSR Core'.

2026-08-29

Shareholders meeting

2026-08-29 - The Jammu & Kashmir Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 22, 2026

2026-08-20

Resignation

2026-08-20 - The Jammu & Kashmir Bank Limited has informed the Exchange regarding Resignation of Mr. Ashish Kundra IAS as Non- Executive Non - Independent Director of the Bank w.e.f. August 20, 2026.

2026-08-20

Resignation of Director/KMP/SMP

2026-08-20 - The Jammu & Kashmir Bank Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-20

Resignation

2026-08-20 - The Jammu & Kashmir Bank Limited has informed the Exchange regarding Resignation of Mr. Ashish Kundra IAS as Non- Executive Non-Independent Director of the Bank w.e.f. August 20, 2026.

2026-08-20

Credit Rating

2026-08-20 - The Jammu & Kashmir Bank Limited has informed the Exchange about Credit Rating

News

Recent coverage and analyst commentary for J&KBANK

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Free 5nance Account

Name

HDFCBANK

700.95

13.67

1080456.88

2.21

203826.90

1092.64

905753.30

936.66

12.81

35.64

ICICIBANK

1428.00

18.27

1024929.49

0.84

16209.74

12.62

52240.85

6.44

16.51

32.39

KOTAKBANK

424.65

20.81

422427.21

0.15

5487.06

23.89

18354.57

6.41

12.05

19.05

AXISBANK

1255.00

14.07

390712.28

0.08

7656.51

22.31

35541.96

9.87

11.04

63.88

IDBI

91.38

10.54

98255.45

0.00

2130.57

5.27

7549.28

7.44

14.76

76.80

FEDERALBNK

353.10

18.64

87288.79

0.34

1297.61

37.06

7861.58

9.94

10.98

66.11

AUBANK

1079.45

44.46

81021.15

0.09

795.95

37.03

5302.74

21.11

14.17

56.24

INDUSINDBK

977.10

57.57

76129.82

0.15

1037.02

71.68

11309.94

-7.78

4.97

55.07

IDFCFIRSTB

84.95

31.78

73241.42

0.29

1147.82

153.12

11051.09

14.61

5.42

38.45

YESBANK

22.18

18.44

69619.24

0.00

10718.10

1225.35

80544.90

959.16

8.04

58.47

RBLBANK

389.50

67.19

60409.09

0.26

2342.30

993.41

38402.40

1015.97

6.49

40.95

J&KBANK

144.60

6.91

15923.10

0.00

425.32

-12.49

3547.48

8.50

17.75

69.12

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

2,657

2,764

2,881

2,910

2,994

3,124

3,206

3,212

3,268

3,292

3,313

3,272

3,546

Interest Expended

1,374

1,430

1,601

1,604

1,625

1,688

1,697

1,732

1,803

1,858

1,825

1,784

2,049

Net Interest Income

1,283

1,334

1,280

1,306

1,369

1,436

1,509

1,480

1,465

1,434

1,489

1,487

1,497

228

190

182

225

194

296

242

402

250

155

279

259

214

Total Income

2,885

2,954

3,193

3,424

3,452

3,619

3,523

3,450

3,597

3,536

3,760

Operating Expenses

984

990

912

867

969

945

1,003

1,082

1,043

966

988

836

1,008

Operating Profit

528

534

551

664

595

787

748

800

673

623

780

911

703

Provisions & Contingencies

-10

-9

-165

-17

-10

-9

-11

-26

Profit before Tax

451

544

560

829

612

754

758

809

658

634

806

861

619

Tax %

27.67%

30.00%

24.80%

22.95%

32.13%

26.98%

29.87%

27.76%

26.29%

22.01%

27.21%

7.29%

31.50%

Net Profit

326

381

421

639

415

551

532

585

485

494

587

798

424

EPS

Gross NPA %

5.77%

5.26%

0.00%

2.37%

Net NPA %

1.39%

1.04%

0.00%

0.60%

Provision Coverage %

87.55%

89.99%

0.00%

91.57%

90.54%

89.67%

90.29%

90.09%

90.39%

90.46%

90.33%

90.53%

NIM %

3.98%

4.07%

0.00%

3.28%

CASA %

53.29%

50.61%

0.00%

42.06%

Capital Adequacy %

14.83%

14.53%

0.00%

15.16%

15.07%

15.18%

16.38%

16.00%

15.27%

15.04%

16.41%

16.67%

Return on Assets %

0.94%

1.08%

0.00%

0.87%

Branches / ATMs / Employees

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

11,212

12,536

13,145

—

Interest Expended

4,174

3,751

4,292

4,740

4,340

4,102

4,610

6,009

6,742

7,269

7,515

Net Interest Income

-4,174

-3,751

-4,292

-4,740

-4,340

-4,102

-4,610

5,204

5,794

5,876

—

493

495

813

546

692

744

757

825

1,130

940

908

Total Income

12,038

13,666

14,085

14,343

3,752

3,994

3,829

—

Operating Profit

-4,174

-3,751

-4,292

-4,740

-4,340

-4,102

-4,610

2,277

2,930

2,986

—

414

176

103

-42

106

-108

-4

—

Profit before Tax

-1,506

121

660

-1,100

534

743

1,784

2,385

2,934

2,958

2,919

Tax %

Net Profit

-1,632

203

465

-1,139

432

502

1,197

1,767

2,082

2,363

2,303

EPS

-34

-16

—

NIM %

—

Cost-to-Income %

—

Credit Cost %

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

103

110

5,624

6,106

6,570

6,322

6,754

7,920

9,840

12,126

14,142

16,640

72,463

80,006

89,639

97,788

1,08,061

1,14,710

1,22,038

1,34,776

1,48,569

1,65,354

1,276

1,628

2,624

2,020

2,015

2,371

2,892

2,885

2,383

3,431

Other Liabilities & Provisions

2,603

1,892

2,517

2,671

3,390

5,414

11,089

4,630

4,264

3,659

Total Liabilities

82,019

89,688

1,01,406

1,08,872

1,20,292

1,30,602

1,45,962

1,69,468

1,89,194

ASSETS

3,591

4,328

4,875

2,947

3,685

7,750

7,794

7,250

7,385

7,622

Balances with Banks & Money at Call

1,795

3,925

987

6,835

5,812

1,035

1,085

927

2,374

204

21,291

18,880

23,161

23,052

30,814

33,835

34,829

34,987

41,213

40,822

49,816

56,913

66,272

64,399

66,842

70,401

82,285

93,763

1,04,199

1,22,641

1,479

1,598

1,646

2,036

1,971

1,907

2,224

2,208

2,126

2,444

3,982

4,027

4,438

9,567

11,126

15,628

17,697

15,342

12,106

15,373

Total Assets

82,019

89,688

1,01,406

1,08,872

1,20,292

1,30,602

1,45,962

1,69,468

1,89,194

CASA Deposits

27,898

29,443

34,080

40,095

47,554

50,477

52,025

53,249

53,604

58,086

CASA Ratio (%)

38.50

36.80

38.02

41.00

44.01

44.00

42.63

39.51

36.08

35.13

Credit-Deposit Ratio (%)

68.75

71.14

73.93

65.86

61.86

61.37

67.43

69.57

70.13

74.17

Contingent Liabilities

6,109

5,795

6,393

5,757

4,867

5,525

5,234

4,845

5,716

6,440

Bills for Collection

1,513

1,365

1,438

Book Value per Share

96.71

99.51

108.11

75.65

82.04

75.72

83.98

99.59

118.18

138.30

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

2,451

2,362

-2,995

4,374

-11

-1,568

-421

-851

2,718

-1,132

Cash from Investing

-861

-164

-114

-76

-85

-123

-257

-102

-302

Cash from Financing

593

668

769

-339

-199

941

638

407

-1,034

-500

2,183

2,867

-2,391

3,921

-285

-713

-701

1,582

-1,934

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

-31.31

3.64

8.35

-15.97

6.06

5.38

11.61

16.05

18.91

21.46

Book Value (₹)

96.71

99.51

108.11

75.65

82.04

75.72

83.98

99.59

118.18

138.30

Dividend per Share (₹)

0.00

0.50

2.15

0.00

PROFITABILITY

Net Interest Margin %

0.00%

3.80%

3.73%

3.43%

ROA %

-2.01%

0.24%

0.49%

-1.08%

0.38%

0.40%

0.87%

1.18%

1.29%

1.32%

ROE %

-28.47%

3.83%

8.04%

-19.96%

7.68%

7.77%

15.23%

18.01%

17.37%

16.74%

0.00%

62.24%

57.69%

56.18%

ASSET QUALITY

Gross NPA %

0.00%

8.67%

6.04%

5.26%

0.00%

3.50%

Net NPA %

0.00%

2.49%

1.62%

1.04%

0.00%

0.82%

Provision Coverage %

0.00%

84.26%

86.20%

89.99%

90.29%

90.33%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

50.51%

47.01%

45.65%

Credit-Deposit Ratio %

0.00%

0.02%

0.00%

15.42%

16.38%

16.55%

GROWTH & VALUATION

Net Profit Growth %

-492.35%

112.42%

129.32%

-345.10%

137.93%

16.07%

138.73%

47.59%

17.84%

13.49%

Book Value Growth %

0.00%

18.59%

18.66%

17.03%

P/E (x)

0.00x

8.35x

4.88x

5.13x

P/B (x)

0.00x

1.35x

0.78x

0.80x

0.00%

1.60%

2.33%

0.00%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

59.40

7.16

6.47

7.07

7.64

8.01

7.85

8.14

8.35

9.38

6.74

6.41

6.57

6.69

5.87

5.76

5.84

6.00

7.85

Government

0.00

26.70

27.74

26.96

26.26

26.72

26.99

26.63

26.25

23.38

The Jammu & Kashmir Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

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The Jammu & Kashmir Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI