Jammu Kashmir Bank Financial Statements

Jammu Kashmir Bank (J&KBANK) reported revenue of ₹136.88B in FY2025 with net income of ₹20.82B. Total assets stood at ₹1,694.24B and free cash flow was ₹26.21B.

Jammu Kashmir Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		81.11B	80.13B	93.55B	112.13B	125.41B
Other Income		7.22B	7.90B	7.65B	8.38B	11.47B
Total Income		88.33B	88.03B	101.20B	120.51B	136.88B
Interest Exp. Interest Expenditure		43.40B	41.01B	46.09B	60.08B	67.41B
Op. Expense Operating Expense		28.84B	35.99B	36.51B	37.63B	40.12B
Provisions Provisions & Contingencies		11.81B	5.99B	6.62B	5.10B	8.49B
Net Income		4.28B	4.95B	11.81B	17.71B	20.82B
Dil. Shares Diluted Shares		713.45M	830.75M	963.59M	1.05B	1.10B
Diluted EPS		6.01	5.96	12.25	16.84	18.91

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Jammu Kashmir Bank 's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Jammu Kashmir Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		36.85B	77.50B	77.94B	72.50B	73.85B
Loans & adv. Loans & advances		668.42B	703.93B	822.78B	937.57B	1,041.84B
Investments		307.74B	337.85B	347.80B	349.00B	411.22B
Total assets		1,202.73B	1,305.76B	1,459.13B	1,545.05B	1,694.24B
Borrowings		20.15B	23.71B	28.92B	28.85B	23.83B
Deposits		1,080.47B	1,147.03B	1,220.27B	1,347.65B	1,485.52B
Total liabilities		1,134.71B	1,224.99B	1,360.16B	1,423.12B	1,552.15B
Total equity		68.02B	80.77B	98.96B	121.93B	142.08B
Total liab. & eq. Total liabilities & equity		1,202.73B	1,305.76B	1,459.13B	1,545.05B	1,694.24B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Jammu Kashmir Bank 's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Jammu Kashmir Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		5.32B	7.37B	17.68B	23.89B	29.34B
Operating CF Cash flow Operating Activities		-18.55B	-15.68B	-4.07B	-8.53B	27.23B
Capex Investments in PPE		-759.83M	0	-1.24B	-1.86B	-1.02B
Investing CF Cash flow Investing Activities		-759.83M	-851.85M	-1.24B	-2.57B	-1.02B
Dividend Paid		0	0	0	-515.74M	-2.37B
Financing CF Cash flow Financing Activities		-1.99B	9.41B	6.38B	4.07B	-10.34B
Cash (start) Cash at beginning of period		97.93B	95.04B	87.92B	88.99B	81.96B
Cash (end) Cash at end of period		95.04B	87.92B	88.99B	81.96B	97.83B
FCF Free Cash Flow		-19.31B	-15.68B	-5.31B	-10.38B	26.21B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Jammu Kashmir Bank 's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025