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 2024 – FY 2025

Item	Chart	2024	2025
Op. Income Operating Income		112.13B	125.41B
Other Income		8.38B	11.47B
Total Income		120.51B	136.88B
Interest Exp. Interest Expenditure		60.08B	67.41B
Op. Expense Operating Expense		37.63B	40.12B
Provisions Provisions & Contingencies		5.10B	8.49B
Net Income		17.71B	20.82B
Dil. Shares Diluted Shares		1.05B	1.10B
Diluted EPS		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 2024 – FY 2025

Item	Chart	2024	2025
Cash		72.50B	73.85B
Loans & adv. Loans & advances		937.57B	1,041.84B
Investments		349.00B	411.22B
Total assets		1,545.05B	1,694.24B
Borrowings		28.85B	23.83B
Deposits		1,347.65B	1,485.52B
Total liabilities		1,423.12B	1,552.15B
Total equity		121.93B	142.08B
Total liab. & eq. Total liabilities & equity		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 2024 – FY 2025

Item	Chart	2024	2025
Net Income		23.89B	29.34B
Operating CF Cash flow Operating Activities		-8.53B	27.23B
Capex Investments in PPE		-1.86B	-1.02B
Investing CF Cash flow Investing Activities		-2.57B	-1.02B
Dividend Paid		-515.74M	-2.37B
Financing CF Cash flow Financing Activities		4.07B	-10.34B
Cash (start) Cash at beginning of period		88.99B	81.96B
Cash (end) Cash at end of period		81.96B	97.83B
FCF Free Cash Flow		-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