Jammu and Kashmir Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• Jammu and Kashmir Bank Ltd reported a 1.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 2.3%.
• Its expenses for the quarter were down by 6.8% QoQ and 6.9% YoY.
• The net profit increased 37.3% QoQ and increased 37.2% YoY.
• The earnings per share (EPS) of Jammu and Kashmir Bank Ltd stood at 7.25 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Jammu and Kashmir Bank Ltd is a financial institution that primarily offers banking and financial services. While specific details about the company's main products or services, industry, and recent developments are not provided in the data, Jammu and Kashmir Bank Ltd is known for providing a range of banking services which typically include personal banking, corporate banking, and financial services. The bank operates primarily in the Indian financial sector, offering products such as savings accounts, loans, credit facilities, and investment services. Without additional information, a more detailed overview of recent major developments is not available.

Revenue

In the fourth quarter of the fiscal year 2026 (Q4FY26), Jammu and Kashmir Bank Ltd reported a total income of ₹3,535.79 crores. This represents a decrease of 1.7% compared to the previous quarter (Q3FY26) where the total income was ₹3,596.86 crores. Furthermore, when compared to the same quarter in the previous year (Q4FY25), which recorded a total income of ₹3,619.22 crores, there is a year-over-year decline of 2.3%. These figures highlight the changes in revenue over both the quarterly and yearly periods.

Profitability

The profitability of Jammu and Kashmir Bank Ltd in Q4FY26 has shown positive growth in certain areas. The Profit Before Tax (PBT) for this quarter stands at ₹862.33 crores, marking a 6.8% increase from the previous quarter's PBT of ₹807.20 crores and a 6.5% rise compared to the same quarter last year. The tax expense for Q4FY26 was significantly lower at ₹63.18 crores, a reduction of 71.2% from ₹219.69 crores in Q3FY26 and 71.9% from ₹224.74 crores in Q4FY25. Consequently, the Profit After Tax (PAT) for Q4FY26 increased to ₹798.56 crores, which is a 37.3% increase both QoQ and YoY from ₹581.49 crores in Q3FY26 and ₹581.91 crores in Q4FY25, respectively. Earnings per Share (EPS) also grew by 37.3% to ₹7.25 from ₹5.28 in the previous quarter and the same quarter last year.

Operating Metrics

Total Expenses for Jammu and Kashmir Bank Ltd in Q4FY26 were ₹2,623.20 crores, which shows a decrease of 6.8% from ₹2,815.47 crores in Q3FY26 and a 6.9% decrease from ₹2,818.72 crores in Q4FY25. Provisions and contingencies in Q4FY26 were ₹50.26 crores, reflecting a substantial increase in provisions by 294.7% from the previous quarter's negative provisions of ₹-25.81 crores and 648.1% from ₹-9.17 crores in Q4FY25. These figures indicate changes in the bank's expense management and provisioning strategies over the analyzed periods.