Jammu & Kashmir Bank Ltd. · NSE:J&KBANK
Jammu & Kashmir Bank — The Jammu & Kashmir Bank — Q1 FY2025-26 Earnings Presentation
32 slides from Jammu & Kashmir Bank's earnings presentation, Jul 25, 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.jkbank.com 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/F3652/2025/081 Date: 25th July, 2025 National Stock Exchange
Slide 2: Investor Presentation for Quarter Ended June 30, 2025
Investor Presentation for Quarter Ended June 30, 2025 7/25/2025 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 • Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938 and today caters to a wide range of customers including retail, corporate, 260365 257308 (₹ CRORE ) 235923 241838 244733 agricultural, and MSME. 111797 108766 •
Slide 5: Journey of 8 Decades
2021-2025 Journey of 8 Decades ▪ 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 Statu
Slide 6: Q1 FY2025-26 Performance at a Glance (YoY)
Q1 FY2025-26 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) Deposits CRAR GNPA 3.72% ₹ 1,48,542 crores 15.98% 3.50% (was 3.86%) Up 12.1% (was 15.07%) (was 3.91%) RoA (Annualized) Net Advances CET 1 NNPA 1.17% ₹ 1,01,230 crores 12.69% 0.
Slide 7: Profit & Loss Account
Profit & Loss Account Q1 Q1 Change Q4 Change FY Particulars FY 2025-26 FY 2024-25 YoY FY 2024-25 QoQ 2024-25 Interest Earned 3268.27 2,994.38 9.1% 3,211.85 1.8% 12,535.86 Interest Expended 1802.84 1,625.16 10.9% 1,731.86 4.1% 6,742.04 Net Interest Income 1465.43 1,369.22 7.0% 1,479.99 (1.0%) 5,793.8
Slide 8: Interest Earnings and Advances Mix
Interest Earnings and Advances Mix 3,206 3,212 3,268 3,124 3.5% 3.5% Gross Advances Mix – June 30, 2025 3.5% 2,994 3.7% 3.4% Corporate 21.7% 22.2% 22.1% 20.8% Advances 20.4% 29.8% Retail Advances 70.2% 75.5% 74.8% 74.2% 74.4% 76.3% Gross Advances Mix – June 30, 2024 Corporate Advances Retail 31.3% A
Slide 9: Interest Expenditure and Operating Expenditure
Interest Expenditure and Operating Expenditure 1,803 1,084 1,043 1,003 3.5% 969 945 1,732 32.5% 30.1% 36.6% 1,697 28.8% 1,688 3.6% 30.4% 4.4% 1,625 4.7% 5.5% 96.5% 96.4% 71.2% 69.9% 67.5% 69.6% 63.4% 95.3% 95.6% 94.5% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Other Intere
Slide 10: Other Income and Provisions & Contingencies
Other Income and Provisions & Contingencies 404 Provisions Q1 Q1 Q4 FY24-25 FY25-26 FY24-25 FY24-25 Provision for 33.73 (23.78) 58.04 29.50 NPA 296 250 Provision for (18.98) 7.46 32.94 84.67 242 92.6% Standard 194 64.2% Advances 53.9% 82.2% Provision for NPI (1.73) (1.39) (69.81) (90.27) 62.4% 9.8%
Slide 11: Condensed Balance Sheet
Condensed Balance Sheet Particulars Jun 30, 2025 Jun 30, 2024 Mar 31, 2025 Capital & Liabilities Capital 110.13 110.13 110.13 Reserves and Surplus 14,670.67 12,615.82 14,141.81 Deposits 1,48,541.82 1,32,574.47 1,48,569.46 Borrowings 2,382.84 4,525.98 2,382.84 Other Liabilities and Provisions 5,114.5
Slide 12: Q1 FY 2025-26 – Key Financial Ratios
Q1 FY 2025-26 – Key Financial Ratios Cost of Deposits - Annualized (%) Cost of Funds - Annualized (%) 4.80 4.80 4.83 4.76 4.91 4.89 4.92 4.87 4.66 4.78 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Yield on Advances - Annualized (%) Yield on Investments - Annualized (%) 9.75
Slide 13: Q1 FY 2025-26 – Key Financial Ratios
Q1 FY 2025-26 – Key Financial Ratios Return on Assets - Annualized (%) Return on Average Networth – Annualized (%) 1.41 1.44 1.34 1.17 18.71 1.08 17.23 18.27 14.82 14.60 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-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, 10.9%, Branches 141 outside JKL Semi Urban, Branch Distribution Rural, 16.3%, Network 54.4%, 1424 ATMs Metro, 18.4%, 22 States / UTs ROI, 12.2%, ROI, 29.4%, Total Gross Advances Deposits JK
Slide 16: Improving digital presence
Improving digital presence Bank achieves a digital milestone : Over 90% of transactions now digital 94.02% digital transactions in Q1 FY 2025-26 Credit Card Users Debit Card Users (In Lacs) 130572 128113 50.08 125283 48.57 47.39 123425 46.06 120788 44.17 JUN-24 SEP-24 DEC-24 MAR-25 JUN-25 JUN-24 SEP
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 (%) 3.91 3.95 4.08 3.37 3.50 GNPA 91.57 90.54 90.28 90.09 NNPA 89.67 0.85 0.94 0.76 0.79 0.82 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Gross Slippage Rati
Slide 20: Key Ratios and Performance Indicators
Key Ratios and Performance Indicators Particulars Q1 FY 2026 Q1 FY 2025 Q4 FY 2025 FY 2024-25 Profitability Net Interest Margin (%) - Annualized 3.72 3.86 3.88 3.92 Operating Profit (₹ crore) 672.84 594.67 800.02 2,929.79 Profit after Tax (₹ crore) 484.84 415.49 584.54 2,082.46 Cost to Income Ratio
Slide 21: Capital Adequacy Ratios
Capital Adequacy Ratios Jun 30, 2025 Jun 30, 2024 Mar 31, 2025 Particulars Capital Adequacy Ratio Risk Weighted Assets 16.29 15.98 Credit Risk 89,231 83,920 89,102 15.07 14.99 15.09 Market Risk 684 1,505 49 Operational Risk 11,360 9,937 9,937 13.96 13.68 12.81 12.70 12.71 Total Risk Weighted Average
Slide 22: Asset Quality | Categories of Advances
Asset Quality | Categories of Advances June 30, 2025 June 30, 2024 Category Amount % of Gross Advances Amount % of Gross Advances Standard 1,00,401 96.50 94,722 96.09 Sub-Standard 520 0.50 407 0.41 Doubtful 2,466 2.37 2,624 2.66 Loss 652 0.63 827 0.84 Gross Advances 1,04,039 100 98,580 100 % of Stan
Slide 23: Asset Quality | Movement of Gross NPAs
Asset Quality | Movement of Gross NPAs FY Particulars Q1 FY 2026 Q1 FY 2025 Q4 FY 2025 2024-25 Opening Balance 3,605 3,956 4,041 3,956 Additions during the period 274 174 198 953 Upgradations during the period 89 94 93 368 Write off (including TWO) 7 11 330 349 Compromise/Settlements 39 39 18 75 Oth
Slide 24: Sector-Wise Credit Deployment and NPA (As of June 30, 2025)
Sector-Wise Credit Deployment and NPA (As of June 30, 2025) Sector Gross Advances Exposure (%) Gross NPA GNPA (%) Personal Finance 40,700.73 39.12% 333.29 0.82% Trade 11,368.18 10.93% 771.97 6.79% Agriculture 11,346.62 10.91% 337.43 2.97% Financial Markets 10,599.65 10.19% 488.90 4.61% Services 9,91
Slide 25: Gross Advances Mix Trend
Gross Advances Mix Trend 1,06,985 88,402 1,04,039 98,580 99,242 82,035 99,133 4.7% 5.3% 3.8% 3.7% 3.7% 10.9% 7.7% 6.9% 8.7% 8.4% 9.6% 9.5% 9.5% 10.9% 9.8% 11.1% 10.5% 10.1% 10.4% 10.2% 9.2% 7.1% 7.1% 6.9% 6.3% 21.2% 21.1% 19.6% 20.5% 20.9% 38.5% 39.0% 40.1% 38.0% 39.1% Jun-24 Sep-24 Dec-24 Mar-25 Ju
Slide 26: Consistently growing deposit base
Consistently growing deposit base 1,48,569 1,48,542 1,32,573 1,37,918 1,40,948 51.8% 53.0% 54.3% 50.2% 51.4% 39.5% 38.7% 38.0% 36.1% 35.9% 10.3% 9.9% 10.2% 10.9% 9.8% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Term Deposits 66592 70883 73060 78726 80641 Savings Deposits 52325 53406 53511 53604 53287 Current
Slide 27: Investments Profile
Investments Profile 42,758 41,213 40,524 38,741 33,066 3.45 61.9% 63.7% 64.1% 63.5% 3.34 3.18 3.17 69.7% 3.09 1.5% 1.1% 1.0% 1.5% 1.3% 33.2% 34.3% 35.0% 34.4% Duration of Investments (In years) 26.9% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 2.1% 1.1% 0.3% 0.1% 3.5% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 HTM 2
Slide 28: Asset Quality | External Rating of Corporate Advances
Asset Quality | External Rating of Corporate Advances (As on June 30, 2025) Rating No. of Borrowers Outstanding Amount Percentage (%) AAA 26 17,949 66.6% AA 15 2,765 10.3% A 13 1,682 6.2% BBB 20 1,418 5.3% BB & Below 177 2,750 10.2% Unrated Borrowers (Due to be rated) 19 374 1.4% Total Eligible for
Slide 29: Asset Quality | Restructuring of Advances
Asset Quality | Restructuring of Advances (as on June 30, 2025) Standard NPA Total Sector BOS Provisions BOS Provisions BOS Provisions Services 171.18 15.41 182.70 144.35 353.88 159.76 Manufacturing 78.79 11.78 237.50 210.41 316.29 222.19 Trade 32.61 4.79 232.18 214.06 264.79 218.84 Real Estate 55.0
Slide 30: Awards and Accolades
Awards and Accolades Best Bank for creating SKOCH Gold Award for Four top honours in Private Sector awareness among MSMEs Corporate Governance at 100th (Medium Size) category at IBA CISO (Private Sector) at MSME SKOCH Summit Summit & Citations – 2025: Banking Excellence Awards - • Cyber Security Tra
Slide 31: Shareholding Information
Shareholding Information No. of Shares held as No. of Shares Shareholding Pattern as on % to % to Change Particulars on Capital held as on Capital YoY Jun 30, 2025 Jun 30, 2025 Jun 30, 2024 Promoters – Governments 2.41% 65,40,98,280 59.40 65,40,98,280 59.40 - 4.57% of UTs of J&K and Ladakh 3.49% 8.0
Slide 32: Thank You
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