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HOME   >  CORPORATE INFO > PROFIT & LOSS
Profit & Loss      
The Jammu & Kashmir Bank Ltd.
BSE Code 532209
ISIN Demat INE168A01041
Book Value 122.98
NSE Code J&KBANK
Dividend Yield % 2.11
Market Cap 112287.58
P/E 5.22
EPS 19.54
Face Value 1  
(Rs. in Millions)
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
I. INCOME          
Interest Earned125358.63  112123.62  93551.06  80134.75  81110.88  
     Interest / Discount on advances / Bills94229.88  86086.67  69975.54  60153.80  60630.15  
     Interest on balances with RBI and other Inter-bank funds500.20  369.06  946.81  1686.91  3172.25  
     Income on investments26692.33  22654.30  20709.24  16768.54  17307.93  
     Others3936.22  3013.59  1919.47  1525.50  0.55  
Other Income11368.12  8254.79  7568.11  7440.07  6920.80  
     Commission,exchange and brokerage2538.08  2380.28  1586.53  1945.33  2075.50  
     Profit / (loss)on sale of investments(net)1024.31  575.22  516.67  1230.96  2521.64  
     Profit on sale of Fixed Assets9.94  10.67  11.93  2.77  2.42  
     Foreign Exchange Gains134.14  122.26  142.02  163.66  104.81  
     Income earned from subsidiaries/joint venture          
     Rent / Lease Income          
     Provisions Written Back          
     Miscellaneous income7661.66  5166.35  5310.95  4097.35  2216.43  
Total Income136726.75  120378.41  101119.17  87574.83  88031.67  
II. EXPENDITURE          
Interest Expended67420.43  60086.77  46098.25  41022.46  43403.08  
     Intereston Deposits64379.72  56861.12  43516.30  39018.73  41402.93  
     Interest on RBI / inter-bank borrowings64.01  375.67  364.80  14.36  12.65  
     Other Interest2976.70  2849.98  2217.16  1989.37  1987.50  
Operating Expenses40008.39  37522.86  36436.01  35927.77  28785.41  
     Payments to and provisions for employees27803.62  25715.59  27036.55  26719.31  20593.84  
     Rent,Taxes and lighting1228.65  1129.15  1047.63  975.98  962.22  
     Depreciation on Banks property1678.31  2175.46  1575.63  1438.75  1339.31  
     Depreciation on leased assets          
     Auditor's fees and expenses180.29  170.73  130.78  221.02  180.15  
     Law charges170.75  173.67  186.14  127.25  113.20  
     Communication Expenses41.41  53.46  49.39  40.57  47.92  
     Repairs and Maintenance402.22  392.51  308.18  339.71  199.45  
     Insurance1815.96  1635.99  1441.40  1293.74  1187.81  
     Other expenses6687.18  6076.32  4660.32  4771.45  4161.50  
Provisions and Contingencies-39.10  -1076.90  741.30  3197.58  10502.45  
     Provision for investments-902.70  758.80  834.60  -206.60  313.30  
     Provision for advances796.90  -1882.90  224.80  -217.90  -134.00  
     Others Provisions66.70  47.21  -318.10  3622.08  10323.15  
Profit Before Tax29337.03  23845.68  17843.60  7427.02  5340.74  
Taxes8512.40  6173.00  5869.80  2411.40  1019.50  
     Current Income Tax6860.60  5887.90  5305.50  2153.40  366.50  
     Deferred Tax1651.80  285.10  564.30  258.00  653.00  
     Other taxes0.00  0.00  0.00  0.00  0.00  
Profit After Tax20824.63  17672.68  11973.80  5015.62  4321.24  
Extra items0.00  0.00  0.00  0.00  0.00  
Minority Interest          
Share of Associate          
Other Consolidated Items          
Consolidated Net Profit20824.63  17672.68  11973.80  5015.62  4321.24  
Adjustments to PAT          
IV. APPROPRIATIONS20824.63  17672.68  11973.80  5015.62  4321.24  
     Transfer to Statutory Reserve5485.60  4418.17  2993.45  1253.91  1080.31  
     Appropriation to General Reserve          
     Appropriation to Revenue Reserve11802.78  10641.97  8464.61  3426.57  1902.18  
     Appropriation to Other Reserves          
     Equity Dividend2367.54  2367.54  515.74      
     Corporate dividend tax          
     Other appropriations1168.70  245.00  0.00  335.15  1338.75  
Equity Dividend %215.00  215.00  50.00      
Earnings Per Share19.00  16.00  12.00  5.00  6.00  
Adjusted EPS19.00  16.00  12.00  5.00  6.00  
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