Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations.[1]It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level Bankers’ Committee (SLBC/UTLBC) meetings.The Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri.[2]
Business Segments H1 FY251.Retail Banking:60%2.Treasury:21%3.Corporate Banking:19%[1]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | HDFC Bank | 925.45 | 19.68 | 1423765.70 | 1.19 | 20363.77 | 10.01 | 86993.84 | 4.81 | 7.51 | 346185.22 | 42.61 | 72360.07 | 19610.67 | 2.64 | 1.74 | 6.30 |
| 2. | ICICI Bank | 1418.40 | 19.03 | 1014465.35 | 0.78 | 14318.15 | 3.16 | 48180.91 | 4.00 | 7.87 | 192684.91 | 28.30 | 53300.25 | 13357.06 | 3.04 | 2.18 | 5.58 |
| 3. | Kotak Mah. Bank | 421.00 | 22.54 | 418705.25 | 0.12 | 4468.27 | -11.42 | 17198.74 | 4.70 | 8.17 | 67852.12 | 27.80 | 18574.23 | 4468.27 | 2.49 | 2.68 | 3.62 |
| 4. | Axis Bank | 1298.80 | 15.52 | 403317.43 | 0.08 | 5566.56 | -25.31 | 32309.77 | 2.24 | 7.11 | 129272.60 | 59.67 | 25988.99 | 5527.85 | 2.03 | 1.78 | 7.28 |
| 5. | IDBI Bank | 104.85 | 12.14 | 112738.94 | 2.00 | 3240.77 | 73.56 | 7109.01 | -4.51 | 6.78 | 28937.85 | 70.49 | 9284.32 | 3229.58 | 1.65 | 1.97 | 4.81 |
| 6. | IndusInd Bank | 944.50 | – | 73583.73 | 0.00 | -436.88 | -132.82 | 11608.63 | -8.49 | 6.47 | 47307.12 | 46.88 | -759.35 | -436.88 | 1.13 | 0.48 | 6.70 |
| 7. | Yes Bank | 22.95 | 25.39 | 72014.74 | 0.00 | 664.31 | 17.25 | 7388.75 | -4.50 | 6.36 | 30449.57 | 59.65 | 2836.87 | 664.31 | 1.46 | 0.59 | 7.29 |
| 8. | J & K Bank | 102.66 | 5.40 | 11304.74 | 2.09 | 494.11 | -10.31 | 3291.82 | 5.39 | 6.14 | 12978.02 | 68.55 | 2095.00 | 494.11 | 0.74 | 1.29 | 10.17 |
| – | Median: 20 Co. | 256.85 | 15.41 | 24600.64 | 0.72 | 361.06 | 3.95 | 4430.65 | 4.75 | 6.95 | 17851.24 | 59.66 | 1413.43 | 361.06 | 1.39 | 1.35 | 7.29 |
Standalone figures in ₹ crores
| Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 943 | 982 | 791 | 1,060 | 980 | 903 | 702 | 951 | 978 | 993 | 1,075 | 1,058 | 955 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 146 | 242 | 166 | 228 | 190 | 182 | 225 | 194 | 296 | 242 | 404 | 250 | 155 |
Profit before tax | 406 | 517 | 625 | 451 | 544 | 560 | 829 | 612 | 754 | 758 | 809 | 658 | 634 |
Tax % | 40% | 40% | 24% | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% |
Net Profit | 243 | 312 | 476 | 326 | 381 | 421 | 639 | 415 | 551 | 532 | 585 | 485 | 494 |
EPS in Rs | 2.53 | 3.24 | 4.62 | 3.16 | 3.69 | 3.82 | 5.80 | 3.77 | 5.00 | 4.83 | 5.31 | 4.40 | 4.49 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 1,245 | 2,330 | 2,458 | 4,426 | 3,149 | 3,433 | 5,227 | 3,795 | 3,769 | 3,560 | 3,427 | 3,829 | 4,082 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 390 | 594 | 504 | 493 | 495 | 813 | 546 | 692 | 744 | 757 | 825 | 1,137 | 1,052 |
Interest | 4,083 | 4,410 | 4,133 | 4,174 | 3,751 | 4,292 | 4,740 | 4,340 | 4,102 | 4,610 | 6,009 | 6,742 | 7,090 |
Depreciation | 78 | 94 | 64 | 85 | 97 | 104 | 125 | 134 | 144 | 158 | 218 | 168 | 0 |
Profit before tax | 1,752 | 820 | 692 | -1,506 | 121 | 660 | -1,100 | 534 | 743 | 1,784 | 2,385 | 2,934 | 2,858 |
Net Profit | 1,182 | 509 | 416 | -1,632 | 203 | 465 | -1,139 | 432 | 502 | 1,197 | 1,767 | 2,082 | 2,095 |
EPS in Rs | 24.39 | 10.49 | 8.58 | -31.31 | 3.64 | 8.35 | -15.97 | 6.06 | 5.38 | 11.61 | 16.05 | 18.91 | 19.03 |
Dividend Payout % | 20% | 20% | 20% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 13% | 11% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 48 | 48 | 48 | 52 | 56 | 56 | 71 | 71 | 93 | 103 | 110 | 110 | 110 |
Reserves | 5,675 | 6,062 | 6,375 | 5,624 | 6,106 | 6,570 | 6,322 | 6,754 | 8,014 | 9,840 | 12,126 | 14,142 | 15,070 |
Borrowings | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Liabilities | 1,795 | 1,725 | 2,214 | 2,603 | 1,892 | 2,517 | 2,671 | 3,390 | 5,414 | 11,089 | 4,630 | 4,264 | 5,278 |
Total Liabilities | 78,620 | 75,931 | 80,268 | 82,019 | 89,688 | 101,406 | 108,872 | 120,292 | 130,602 | 145,962 | 154,527 | 169,468 | 174,870 |
Fixed Assets | 507 | 655 | 705 | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,907 | 2,224 | 2,208 | 2,126 | 2,187 |
Gross Block | 1,074.53 | 1,317.27 | 1,428.49 | 2,284.07 | 2,495.68 | 2,644.14 | 3,156.89 | 3,224.46 | 3,300.09 | 3,773.43 | 3,973.65 | 4,057.57 | – |
Accumulated Depreciation | 568.01 | 662.52 | 723.37 | 805.10 | 897.64 | 998.41 | 1,121.19 | 1,253.47 | 1,392.84 | 1,549.21 | 1,765.67 | 1,931.90 | – |
CWIP | 27 | 34 | 59 | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 66 | 0 |
Investments | 26,195 | 22,760 | 20,354 | 21,291 | 18,880 | 23,160 | 23,052 | 30,814 | 33,835 | 34,829 | 34,987 | 41,213 | 44,502 |
Other Assets | 51,891 | 52,482 | 59,151 | 59,184 | 69,193 | 76,571 | 83,749 | 87,465 | 94,814 | 108,862 | 117,282 | 126,065 | 128,182 |
Total Assets | 78,620 | 75,931 | 80,268 | 82,019 | 89,688 | 101,406 | 108,872 | 120,292 | 130,602 | 145,962 | 154,527 | 169,468 | 174,870 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | -685 | 129 | -219 | 2,451 | 2,362 | -2,995 | 4,374 | -11 | -1,568 | -421 | -851 | 2,718 |
Cash from Investing Activity | -167 | -271 | -136 | -861 | -164 | -164 | -114 | -76 | -85 | -123 | -257 | -102 |
Cash from Financing Activity | -338 | -338 | -176 | 593 | 668 | 769 | -339 | -199 | 941 | 638 | 407 | -1,034 |
Net Cash Flow | -1,190 | -480 | -531 | 2,183 | 2,867 | -2,391 | 3,921 | -285 | -713 | 94 | -701 | 1,582 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | – | – | – | – | – | – | – | – | – | – | – | – |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | – | – | – | – | – | – | – | – | – | – | – | – |
Working Capital Days | – | – | – | – | – | – | – | – | – | – | – | – |
ROCE % | – | – | – | – | – | – | – | – | – | – | – | – |
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