Jammu & Kashmir Bank Ltd. · NSE:J&KBANK
Jammu & Kashmir Bank — The Jammu & Kashmir Bank — Q2 FY2025-26 Earnings Presentation
32 slides from Jammu & Kashmir Bank's earnings presentation, Oct 18, 2025
Slide 1: Exchange filing 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/F3652/2025/149 Date: 18th October, 2025 National Stock Excha
Slide 2: Investor Presentation for Quarter & Half Year Ended September 30, 2025
Investor Presentation for Quarter & Half Year Ended September 30, 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 260365 257308 264673 • Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938 241838 244733 (₹ CRORE ) and today caters to a wide range of customers including retail, corporate, agricultural, and MSME. 111797 112643 10
Slide 5: Journey of 87 Years
Journey of 87 Years 2021-2025 ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG ▪ 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 Status
Slide 6: Q2 FY2025-26 Performance at a Glance (YoY)
Q2 FY2025-26 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) Deposits CRAR GNPA 3.56% ₹ 1,52,030 crores 15.27% 3.32% (was 3.90%) Up 10.2% (was 14.99%) (was 3.95%) RoA (Annualized) Net Advances CET 1 NNPA 1.16% ₹ 1,05,153 crores 12.11% 0.7
Slide 7: Profit & Loss Account
Profit & Loss Account Q2 Q2 Change Q1 Change FY Particulars FY 2025-26 FY 2024-25 YoY FY 2025-26 QoQ 2024-25 Interest Earned 3291.82 3123.55 5.4% 3268.27 0.7% 12,535.86 Interest Expended 1857.83 1687.62 10.1% 1802.84 3.1% 6,742.04 Net Interest Income 1433.99 1435.93 (0.1%) 1465.43 (2.1%) 5,793.82 Ot
Slide 8: Interest Earnings and Advances Mix
Interest Earnings and Advances Mix Gross Advances Mix – Sept 30, 2025 3,206 3,212 3,268 3,292 3,124 3.5% 4.1% 3.5% 3.5% Corporate 3.7% Advances 22.1% 23.3% Retail 31.8% 20.8% 21.7% 22.2% Advances 68.2% 75.5% 74.8% 74.2% 74.4% 72.6% Gross Advances Mix – Sept 30, 2024 Corporate Advances Retail 33.0% A
Slide 9: Interest Expenditure and Operating Expenditure
Interest Expenditure and Operating Expenditure 1,858 1,084 1003 1,043 3.5% 966 1,803 945 32.5% 3.5% 30.1% 36.6% 1,732 30.4% 33.1% 1,697 1,688 3.6% 4.4% 4.7% 96.5% 96.5% 67.5% 69.6% 69.9% 63.4% 66.9% 96.4% 95.3% 95.6% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Other Interes
Slide 10: Other Income and Provisions & Contingencies
Other Income and Provisions & Contingencies 404 Provisions Q2 Q2 Q1 FY24-25 FY25-26 FY24-25 FY25-26 Provision for 3.95 (27.51) 33.73 29.50 NPA 296 250 Provision for (12.99) 49.30 (18.98) 84.67 242 92.6% Standard 155 64.2% Advances 53.9% 82.2% Provision for NPI (2.12) 10.14 (1.73) (90.27) 101.4% 9.8%
Slide 11: Condensed Balance Sheet
Condensed Balance Sheet Particulars Sep 30, 2025 Sep 30, 2024 Jun 30, 2025 Capital & Liabilities Capital 110.13 110.13 110.13 Reserves and Surplus 15,069.69 13,233.92 14,670.67 Deposits 1,52,030.16 1,37,919.52 1,48,541.82 Borrowings 2,382.31 2,884.46 2,382.84 Other Liabilities and Provisions 5,277.7
Slide 12: Q2 FY 2025-26 – Key Financial Ratios
Q2 FY 2025-26 – Key Financial Ratios Cost of Deposits - Annualized (%) Cost of Funds - Annualized (%) 4.83 4.86 4.80 4.80 4.91 4.92 4.94 4.76 4.87 4.89 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Yield on Advances - Annualized (%) Yield on Investments - Annualized (%) 9.75
Slide 13: Q2 FY 2025-26 – Key Financial Ratios
Q2 FY 2025-26 – Key Financial Ratios Return on Assets - Annualized (%) Return on Average Networth – Annualized (%) 1.41 1.44 1.34 1.17 1.16 18.71 17.23 18.27 14.60 14.37 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-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 877 J&K and Ladakh (JKL) Urban, 10.8%, Branches 138 outside JKL Semi Urban, Branch Distribution Rural, 16.4%, Network 1428 ATMs Metro, 54.7%, 18.1%, 22 States / UTs ROI, 11.7%, ROI, 30.0%, Total Gross Advances Deposits JK
Slide 16: Improving digital presence
Improving digital presence Bank achieves a digital milestone : Over 90% of transactions now digital 94.29% digital transactions in Q2 FY 2025-26 Credit Card Users Debit Card Users 138355 (In Lacs) 130572 128113 125283 50.08 51.12 120788 123425 47.39 48.57 46.06 44.17 JUN-24 SEP-24 DEC-24 MAR-25 JUN-
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 •Illustrious career in banking spanning over more than three decades in diverse •Veteran Banker with more than 4 decades of experience, including t
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 (%) 3.95 4.08 3.32 3.37 3.50 GNPA 90.54 90.28 90.09 90.39 89.67 NNPA 0.85 0.94 0.79 0.82 0.76 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Gross Slippage Rati
Slide 20: Key Ratios and Performance Indicators
Key Ratios and Performance Indicators Particulars Q2 FY 2026 Q2 FY 2025 Q1 FY 2026 FY 2024-25 Profitability Net Interest Margin (%) - Annualized 3.56 3.90 3.72 3.92 Operating Profit (₹ crore) 622.62 786.99 672.84 2,929.79 Profit after Tax (₹ crore) 494.11 550.92 484.84 2,082.46 Cost to Income Ratio
Slide 21: Capital Adequacy Ratios
Capital Adequacy Ratios Sep 30, 2025 Sep 30, 2024 Mar 31, 2025 Particulars Capital Adequacy Ratio Risk Weighted Assets 16.29 15.98 14.99 15.09 15.27 Credit Risk 93,250 86,458 89,102 Market Risk 577 112 49 13.96 13.68 Operational Risk 11,360 9,937 9,937 12.70 12.71 13.06 Total Risk Weighted Average 1
Slide 22: Asset Quality | Categories of Advances
Asset Quality | Categories of Advances September 30, 2025 September 30, 2024 Category Amount % of Gross Advances Amount % of Gross Advances Standard 1,04,357 96.68 95,326 96.05 Sub-Standard 529 0.49 444 0.45 Doubtful 2,402 2.22 2,629 2.65 Loss 654 0.61 843 0.85 Gross Advances 1,07,943 100 99,242 100
Slide 23: Asset Quality | Movement of Gross NPAs
Asset Quality | Movement of Gross NPAs Particulars Q2 FY 2026 Q2 FY 2025 Q1 FY 2026 HY 1 FY 2025 HY 1 FY 2026 At a Gross NPA Level Opening Balance 3638 3,858 3,605 3,956 3,605 Additions during the period 237 256 274 430 511 Upgradation during the period 198 93 89 188 287 Write off (including TWO) 5
Slide 24: Sector-Wise Credit Deployment and NPA (As of Sept 30, 2025)
Sector-Wise Credit Deployment and NPA (As of Sept 30, 2025) Sector Gross Advances Exposure (%) Gross NPA GNPA (%) Personal Finance 41,371.83 38.33% 350.58 0.85% Agriculture 12,333.87 11.43% 334.45 2.71% Trade 11,792.50 10.92% 769.40 6.52% Infrastructure 11,729.31 10.87% 134.21 1.14% Financial Market
Slide 25: Gross Advances Mix Trend
Gross Advances Mix Trend 120000 1,06,985 88,402 1,07,943 4.7% 1,04,039 3.4% 99,242 99,133 82,035 5.3% 100000 10.9% 3.7% 3.7% 10.9% 7.7% 8.7% 8.4% 9.5% 10.9% 11.4% 80000 9.8% 9.5% 10.5% 10.1% 10.4% 10.2% 9.9% 7.1% 6.9% 6.3% 5.9% 7.1% 60000 21.1% 19.6% 20.5% 20.2% 21.2% 40000 20000 39.0% 40.1% 38.0% 3
Slide 26: Consistently growing deposit base
Consistently growing deposit base 1,40,948 1,48,569 1,48,542 1,52,030 1,32,573 1,37,918 51.8% 53.0% 54.3% 54.1% 50.2% 51.4% 39.5% 38.7% 38.0% 36.1% 35.9% 36.3% 10.3% 9.9% 10.2% 10.9% 9.8% 9.6% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Term Deposits 66592 70883 73060 78726 80641 82256 Savings Deposit
Slide 27: Investments Profile
Investments Profile 50000 44,502 45000 42,758 40,524 41,213 40000 38,741 3.45 35000 30000 61.6% 61.9% 3.30 63.7% 64.1% 3.17 63.5% 3.18 25000 3.09 20000 1.5% 1.8% 15000 1.0% 1.5% 1.1% 10000 34.3% 35.0% 34.4% 33.2% 31.4% Duration of Investments (In years) 5000 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 1.1% 3
Slide 28: Asset Quality | External Rating of Corporate Advances
Asset Quality | External Rating of Corporate Advances (As on Sept 30, 2025) Rating No. of Borrowers Outstanding Amount Percentage (%) AAA 26 19,178 65.88% AA 16 3,201 10.99% A 12 1,628 5.59% BBB 24 2,090 7.19% BB & Below 175 2,522 8.66% Unrated Borrowers (Due to be rated) 20 492 1.69% Total Eligible
Slide 29: Asset Quality | Restructuring of Advances
Asset Quality | Restructuring of Advances (as on Sept 30, 2025) STANDARD N.P.A Total Sector BOS PROVISIONS BOS PROVISIONS BOS PROVISIONS SERVICES 176.95 15.78 173.42 145.78 350.37 161.56 MANUFACTURING 63.92 7.35 193.73 167.34 257.65 174.69 TRADE 36.53 5.14 183.72 172.99 220.25 178.13 REAL ESTATE 44.
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 (Private Sector) at MSME (Medium Size) category at IBA CISO SKOCH Order-of-Merit Semi-Final Banking Excellenc
Slide 31: Shareholding Information
Shareholding Information No. of Shares held as No. of Shares held Shareholding Pattern as on % to % to Change Particulars on Capital as on Capital YoY Sept 30, 2025 Sep 30, 2025 Sep 30, 2024 2.55% Promoters – Governments 65,40,98,280 59.40 65,40,98,280 59.40 - 4.40% 3.52% of UTs of J&K and Ladakh 7.
Slide 32: Thank You
ray Commited to EK Bank | Your Bank 1 Driving Growth & >) Serving To Empower | Since JO3BS Delivering Excellence
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