Jammu & Kashmir Bank Ltd. · NSE:J&KBANK
Jammu & Kashmir Bank — The Jammu & Kashmir Bank — Q3 FY2025-26 Earnings Presentation
32 slides from Jammu & Kashmir Bank's earnings presentation, Jan 20, 2026
Slide 1: Stock exchange cover letter for conference call presentation
Jammu and Kashmir Bank Limited Corporate Headquarters T +91 (0)194 248 3775 W www.jkb.bank.in M A Road, Srinagar 190001 F +91 (0)194 248 1928 E board.sectt@jkbmail.com Kashmir, India CIN: L65110JK1938SGC000048 Board Secretariat Ref:-JKB/BS/F3652/2026/228 Date: 20th January, 2026 National Stock Excha
Slide 2: Investor Presentation for Quarter & Nine Months Ended December 31, 2025
Investor Presentation for Quarter & Nine Months Ended December 31, 2025 Wednesday, October 15, 2025 1
Slide 3: Disclaimer
Disclaimer The Jammu and Kashmir Bank has created this presentation exclusively for general informational reasons, disregarding any individual's informational demands, financial circumstances, or special goals. Except for the historical information contained herein, statements in this presentation t
Slide 4: Jammu and Kashmir Bank Limited – Oldest Private Sector Bank in India
Jammu and Kashmir Bank Limited – Oldest Private Sector Bank in India 255554 272109 • Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938 252581 259973 (₹ CRORE ) 240080 and today caters to a wide range of customers including retail, corporate, agricultural, and MSME. 107943 116248 10
Slide 5: Journey of 87 Years
Journey of 87 Years 2021-2025 Global CSR Excellence & Leadership Award Top Banker Award for PMEGP Total Business crossed ₹ 2.5 lakh crore in Fiscal 2025 Listing on Stock 2000s with Advances crossing ₹ 1 lakh crore Exchanges Hat-trick of record lifetime Annual Net Profit with Licensed Statu
Slide 6: Q3 FY2025-26 Performance at a Glance (YoY)
Q3 FY2025-26 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) Deposits CRAR GNPA 3.62% ₹ 1,55,861 crores 15.00% 3.00% (was 4.04%) Up 10.6% (was 15.09%) (was 4.08%) RoA (Annualized) Gross Advances CET 1 NNPA 1.35% ₹ 1,16,248 crores 11.84% 0
Slide 7: Profit & Loss Account
Profit & Loss Account Q3 Q3 Change Q2 Change FY Particulars FY 2025-26 FY 2024-25 YoY FY 2025-26 QoQ 2024-25 Interest Earned 3313.44 3206.08 3.3% 3291.82 0.7% 12,535.86 Interest Expended 1824.56 1697.40 7.5% 1857.83 (1.8%) 6,742.04 Net Interest Income 1488.88 1508.68 (1.3%) 1433.99 3.8% 5,793.82 Oth
Slide 8: Interest Earnings and Advances Mix
Interest Earnings and Advances Mix Gross Advances Mix – Dec 31, 2025 3,206 3,268 3,292 3,313 3,212 4.1% 4.0% 3.5% 3.5% 3.5% Corporate Advances 22.1% 22.5% Retail 34.9% 21.7% 22.2% 23.3% Advances 65.1% 74.8% 74.2% 74.4% 72.6% 73.5% Gross Advances Mix – Dec 31, 2024 Corporate Advances Retail 31.3% Adv
Slide 9: Interest Expenditure and Operating Expenditure
Interest Expenditure and Operating Expenditure 1,858 1,084 1,043 1003 966 988 1,825 3.5% 1,803 32.5% 3.8% 30.1% 36.6% 3.5% 33.1% 33.5% 1,732 1,697 3.6% 4.4% 96.5% 96.2% 67.5% 96.5% 69.9% 63.4% 66.9% 66.5% 96.4% 95.6% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Other Interes
Slide 10: Other Income and Provisions & Contingencies
Other Income and Provisions & Contingencies 404 Provisions Q3 Q3 Q2 FY24-25 FY25-26 FY24-25 FY25-26 Provision for (77.92) 22.76 3.95 29.50 NPA 279 250 Provision for 74.51 (5.04) (12.99) 84.67 242 92.6% Standard 155 61.8% Advances 53.9% 82.2% Provision for NPI (23.13) (29.21) (2.12) (90.27) 101.4% Pr
Slide 11: Condensed Balance Sheet
Condensed Balance Sheet Particulars Dec 31, 2025 Dec 31, 2024 Sep 30, 2025 Capital & Liabilities Capital 110.13 110.13 110.13 Reserves and Surplus 15,631.33 13,723.59 15,069.69 Deposits 1,55,861.35 1,52.030.16 140948.33 Borrowings 2,381.79 2,382.31 2,383.92 Other Liabilities and Provisions 3,482.42
Slide 12: Q3 FY 2025-26 – Key Financial Ratios
Q3 FY 2025-26 – Key Financial Ratios Cost of Deposits - Annualized (%) Cost of Funds - Annualized (%) 4.83 4.86 4.80 4.92 4.94 4.76 4.87 4.89 4.69 4.80 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Yield on Advances - Annualized (%) Yield on Investments - Annualized (%) 9.75
Slide 13: Q3 FY 2025-26 – Key Financial Ratios
Q3 FY 2025-26 – Key Financial Ratios Return on Assets - Annualized (%) Return on Average Networth – Annualized (%) 1.44 1.34 1.35 16.48 1.17 1.16 18.27 17.23 14.60 14.37 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Earnings Per Share - Annualized (Rs.) Book Value Per Share (
Slide 14: Key Strengths of the Bank
Key Strengths of the Bank 1 Strong legacy, loyal customer base and an established brand with over 85 years of operations 2 Strong presence in fast growing region of J&K and increasing presence in other strategic regions 3 Healthy mix of retail in overall advances mix with focus on MSME and agricultu
Slide 15: Strong presence in JKL Region and increasing presence across India
Strong presence in JKL Region and increasing presence across India Branches in 878 J&K and Ladakh (JKL) Urban, 10.6%, 139 Branches outside JKL Semi Urban, Branch Distribution Rural, 17.1%, Network 1436 ATMs Metro, 54.2%, 18.1%, 22 States / UTs ROI, 13.7%, ROI, 33.5%, Gross Total Advances Deposits JK
Slide 16: Improving digital presence
Improving digital presence Bank achieves a digital milestone : Over 90% of transactions now digital 93.34% digital transactions in Q3 FY 2025-26 Credit Card Users Debit Card Users 142000 (In Lacs) 138355 52.22 128113 130572 51.12 125283 50.08 48.57 47.39 DEC-24 MAR-25 JUN-25 SEP-25 DEC-25 DEC-24 MAR
Slide 17: Professionally managed Bank with experienced Senior Management and Board Of Directors
Professionally managed Bank with experienced Senior Management and Board Of Directors MR. AMITAVA CHATTERJEE (MD & CEO ) MR. SANKARASUBRAMANIAN KRISHNAN (Part Time Non-Executive Chairman) •Illustrious career in banking spanning over more than three decades in diverse •Veteran Banker with more than 4
Slide 18: Key Strategies
Key Strategies Focus on improving asset quality and maintaining NPA levels and avoiding slippages Emphasis on retail, agriculture and MSME segment Retain and grow our CASA Deposit base Continue our investments in technology to support our digital banking and reduce the cost through leveraging operat
Slide 19: Turnaround Story with Decadal High PCR and improvement in asset quality
Turnaround Story with Decadal High PCR and improvement in asset quality Gross & Net NPA (%) Provision Coverage Ratio (%) 4.08 3.32 3.00 3.37 3.50 GNPA 90.28 90.09 90.39 90.46 89.67 NNPA 0.94 0.79 0.82 0.76 0.68 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Gross Slippage Rati
Slide 20: Key Ratios and Performance Indicators
Key Ratios and Performance Indicators Particulars Q3 FY 2026 Q3 FY 2025 Q2 FY 2026 FY 2024-25 Profitability Net Interest Margin (%) - Annualized 3.62 4.04 3.56 3.92 Operating Profit (₹ crore) 780.25 748.11 622.62 2,929.79 Profit after Tax (₹ crore) 586.73 531.51 494.11 2,082.46 Cost to Income Ratio
Slide 21: Capital Adequacy Ratios
Capital Adequacy Ratios Dec 31, 2025 Dec 31, 2024 Mar 31, 2025 Particulars Capital Adequacy Ratio 16.29 Risk Weighted Assets 15.98 15.09 15.27 15.00 Credit Risk 96,084 85,733 89,102 Market Risk 340 88 49 13.96 13.68 Operational Risk 11,360 9,937 9,937 12.71 13.06 12.77 Total Risk Weighted Average 1,
Slide 22: Asset Quality | Categories of Advances
Asset Quality | Categories of Advances December 31, 2025 December 31, 2024 Category Amount % of Gross Advances Amount % of Gross Advances Standard 1,12,761 97.00 95,092 95.92 Sub-Standard 513 0.44 503 0.51 Doubtful 2,164 1.86 2,659 2.68 Loss 811 0.70 879 0.89 Gross Advances 1,16,248 100 99,133 100.0
Slide 23: Asset Quality | Movement of Gross NPAs
Asset Quality | Movement of Gross NPAs Particulars Q3 FY 2026 Q3 FY 2025 Q2 FY 2026 9M FY 2025 9M FY 2026 At a Gross NPA Level Opening Balance 3,916 3,638 3,956 3,605 3,585 Additions during the period 322 237 751 666 155 Upgradation during the period 88 198 275 383 96 Write off (including TWO) 1 5 1
Slide 24: Sector-Wise Credit Deployment and NPA (As of Dec 31, 2025)
Sector-Wise Credit Deployment and NPA (As of Dec 31, 2025) Sector Gross Advances Exposure Gross NPA GNPA % 42,650.25 36.69% 371.74 0.87% Personal Finance 15,068.04 12.96% 488.90 3.24% Financial Markets 12,729.68 10.95% 330.66 2.60% Agriculture 12,282.04 10.57% 764.22 6.19% Trade 10,417.18 8.96% 33.2
Slide 25: Gross Advances Mix Trend
Gross Advances Mix Trend 88,402 1,16,248 1,06,986 99,133 1,04,039 1,07,943 5.0% 4.7% 3.4% 9.0% 5.3% 10.9% 3.7% 10.9% 7.7% 8.4% 11.0% 9.5% 10.9% 11.4% 9.5% 13.0% 10.1% 10.4% 10.2% 9.9% 6.9% 6.3% 5.9% 6.3% 7.1% 19.6% 20.5% 20.2% 19.2% 21.1% 40.1% 38.0% 39.1% 38.3% 36.7% Dec-24 Mar-25 Jun-25 Sep-25 Dec
Slide 26: Consistently growing deposit base
Consistently growing deposit base 1,48,569 1,48,542 1,52,030 1,55,861 1,40,948 53.0% 54.3% 54.1% 55.9% 51.8% 38.0% 36.1% 35.9% 36.3% 34.6% 10.2% 10.9% 9.8% 9.6% 9.5% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Term Deposits 73060 78726 80641 82256 87125 Savings Deposits 53511 53604 53287 55126 53859 Current
Slide 27: Investments Profile
Investments Profile 44,502 42,758 40,524 41,213 40,020 3.54 3.45 61.6% 61.9% 63.7% 64.1% 66.4% 3.30 3.17 3.09 1.5% 1.8% 1.0% 1.5% 2.0% 33.2% 31.4% 35.0% 34.4% 28.3% Duration of Investments (In years) 0.3% 0.1% 3.5% 5.2% 3.3% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 HTM 2
Slide 28: Asset Quality | External Rating of Corporate Advances (As on Dec 31, 2025)
Asset Quality | External Rating of Corporate Advances (As on Dec 31, 2025) Rating No. of Borrowers Outstanding Amount Percentage (%) AAA 32 24,572 69.28% AA 15 4,144 11.68% A 11 1,647 4.64% BBB 23 2,204 6.21% BB & Below 179 2,744 7.74% Unrated Borrowers (Due to be rated) 3 159 0.45 Total Eligible fo
Slide 29: Asset Quality | Restructuring of Advances
Asset Quality | Restructuring of Advances (as on Dec 31, 2025) STANDARD N.P.A Total Sector BOS PROVISIONS BOS PROVISIONS BOS PROVISIONS TRADE 499.32 27.54 183.49 172.89 682.81 200.43 MANUFACTURING 282.31 18.19 192.61 168.09 474.92 186.28 SERVICES 744.05 40.79 158.06 140.87 902.11 181.66 REAL ESTATE
Slide 30: Awards and Accolades
Awards and Accolades SKOCH Gold Award for Corporate Best Bank for creating Governance at 100th SKOCH Summit awareness among MSMEs Four top honours in Private Sector II. Bank was also awarded (Medium Size) category at IBA CISO (Private Sector) at MSME SKOCH Order-of-Merit Semi-Final Banking Excellenc
Slide 31: Shareholding Information
Shareholding Information Shareholding Pattern as on No. of Shares held as No. of Shares held on % to as on % to Change Dec 31, 2025 Particulars Dec 31, 2025 Capital Dec 31, 2024 Capital YoY Promoters – Governments of 2.29% 4.29% UTs of J&K and Ladakh 65,40,98,280 59.40 65,40,98,280 59.40 - 3.74% 8.1
Slide 32: Thank You
oo Commited to EK Bank | Your Bank " Driving Growth ay Serving ToEmpower | Since JO3BS Delivering Excellence
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