J&K Bank Quarterly Results

Charts

Revenue Growth (Quarterly)

Financing Margin

EPS Growth

POSITIVES

Revenue growth from ₹2764.44 Cr to ₹3123.66 Cr in latest quarter shows strong upward trend.
Profit before tax increased notably, peaking at ₹639.80 Cr, indicating operational efficiency.
Improvement in other income reflects diversified income streams, enhancing financial stability.

NEGATIVES

Profit dropped from ₹639.80 Cr to ₹416.73 Cr, showing volatility in earnings.
Operating expenses increased significantly, impacting overall profitability in recent quarters.
Interest expenses are rising, could pressure margins if not managed effectively.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	2,657.21	2,764.44	2,881.20	2,910.35	2,994.36	3,123.66	3,209.67	3,213.39	3,269.45	3,293
Expenses	2,359.18	2,422.09	2,515.54	2,473.68	2,596.53	2,634.96	2,703.05	2,818.72	2,848.20	2,826.51
Financing Profit	298.03	342.35	365.66	436.67	397.83	488.70	506.62	394.67	421.25	466.49
Other Income	230.31	192.90	185.77	228.69	198.42	300.65	242.04	405.83	253.20	157.26
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	451.60	545.20	560.86	830.41	613.72	756.83	758.46	809.67	659.36	634.68
Tax	124.93	163.56	139.07	190.61	196.99	204.16	226.54	224.74	173.36	139.77
Net Profit	326.67	381.64	421.79	639.80	416.73	552.67	531.92	584.93	486	494.91
Gross Npa %	0	0	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0	0	0