| Metric | Value (₹ Cr) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 3.3K | 0.7% | 5.4% |
| Total Income | 3.5K | 2.0% | 0.8% |
| Expenditure | 2.8K | 0.8% | 7.3% |
| PBT | 634.68 | 3.7% | 16.1% |
| Net Profit | 494.91 | 1.8% | 10.4% |
| OPM | 18.94% | 1.69pp | |
| NPM | 14.34% | 0.54pp | 1.80pp |
| EPS | 4.49 | 2.0% | 10.6% |
Jammu & Kashmir Bank Ltd's Half-Yearly Net Profit Up at Rs 979 Cr, Q2 Net at Rs 494 Cr
18 Oct 2025 · 18 Oct 2025, 09:02 pm
Summary
Jammu & Kashmir Bank Ltd posted a net profit of Rs 494.11 Cr for the July-September Quarter (Q2) of current financial year (CFY), and a net profit of Rs 978.95 Cr for the half-year (H1). Despite tough challenges, the Bank is on track to achieve its annual market guidance. The Bank’s Net Interest Income (NII) for the half-year (H1) is marginally up by 3.4% Year-on-Year at Rs 2899.43 Cr, while for Q2 NII stood at Rs 1433.99 Cr. The Bank’s other income for H1 was at Rs 405.19 Cr while the Cost to Income Ratio for the half-year stood at 60.80%.
Key Highlights
- 1
Moderated by the provisioning of Rs 92 Cr towards its investment in the Regional Rural Bank — Jammu and Kashmir Grameen Bank
- 2
Bank’s Net Interest Income (NII) for the half-year (H1) is marginally up by 3.4% Year-on-Year at Rs 2899.43 Cr
- 3
Bank’s other income for H1 was at Rs 405.19 Cr
- 4
Bank’s CASA stood at 45.89% for the Q2 and continues to be one of the highest in the industry
- 5
Bank’s Capital Adequacy Ratio (CAR) for the July-September quarter stood at 15.27%
- 6
Bank continues to execute its policy of expanding operations beyond J&K, strategically partnering with top-tier corporates across India
Management Comments
Amitava Chatterjee
In spite of widespread disruptions during the first quarter following the Pahalgam incident and the extensive damage caused by floods in the second quarter, the overall growth we have recorded is both encouraging and reassuring... Even though profitability for Q2 was moderated due to an additional impairment provision of Rs 92 Cr made during the quarter in compliance with regulatory requirements, the performance is better than what was anticipated under the challenging circumstances.
Informational and educational content only. Not investment advice.