| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 3.3K | 1.7% |
| Total Income | 3.5K | 2.7% |
| Expenditure | 2.8K | 1.1% |
| PBT | 659.36 | 18.6% |
| Net Profit | 486.00 | 16.9% |
| OPM | 20.63% | 4.28pp |
| NPM | 13.80% | 2.36pp |
| EPS | 4.40 | 16.7% |
Jammu & Kashmir Bank Q1 net profit rises 17% YoY to Rs 484.84 Cr
25 Jul 2025 · 25 Jul 2025, 08:31 pm
Summary
Jammu & Kashmir Bank reported a net profit of Rs 484.84 Cr for the first quarter of the current financial year, a 16.7% YoY growth from the same period last year. The bank's Net Interest Income grew 7% YoY to Rs 1465.43 Cr, while other income jumped 29% to Rs 250.30 Cr. Return on Assets improved to 1.17% YoY, and Net Interest Margin stood at 3.72%. The bank's Cost to income Ratio also improved to 60.78% YoY. Operating profit witnessed a 13% YoY increase to Rs 672.84 Cr.
Key Highlights
- 1
Deposits rose 12% YoY to Rs 148542 Cr
- 2
Net Advances grew 6.06% YoY reaching Rs 101230 Cr
- 3
CASA ratio stood at 45.71% as on June 30, 2025
- 4
Gross Non-Performing Assets (GNPA) of the Bank reduced by 41 bps YoY to 3.50%
- 5
Capital Adequacy Ratio (CAR) stood at 15.98%
Management Comments
Amitava Chatterjee
Despite tough situation on ground due to the Pahalgam terror attack along with its aftermath that affected business activity and credit offtake in key geographies well into June; we have been able to deliver a healthy bottom line growth of around 17%.” “The sudden decline in NIM should be viewed against the broader environment wherein repo rate cuts announced by the regulator impacted the margins”.
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