Jammu & Kashmir Financial institution (J&Ok Financial institution) recorded a 16.7 p.c build up within the web benefit within the first quarter of FY 26, it was once ₹ 484.84 crore. The financial institution’s web hobby source of revenue higher by way of 7.0 p.c to ₹ 1465.43 crore, whilst the entire deposit higher by way of 12.1 p.c to ₹ 1,48,542 crore.
| Main points | Q1 FY 26 | Q1 FY 25 | Annual alternate | This autumn FY 25 | Quarterly alternate |
|---|---|---|---|---|---|
| Internet benefit | 484.84 | 415.49 | +16.7 p.c | 584.54 | -17.1 p.c |
| Internet hobby source of revenue | 1465.43 | 1369.22 | +7.0 p.c | 1,479.99 | -1.0 p.c |
| Different source of revenue | 250.30 | 194.10 | +29.0 p.c | 404.31 | -38.1 p.c |
| Working benefit | 672.84 | 594.67 | +13.1 p.c | 800.02 | -15.9 p.c |
| Pastime Arnad | 3268.27 | 2,994.38 | +9.1 p.c | 3,211.85 | +1.8 p.c |
| Pastime expanded | 1802.84 | 1,625.16 | +10.9 p.c | 1,731.86 | +4.1 p.c |
Monetary effects
The financial institution’s web benefit for FY 26 was once ₹ 484.84 crore, which was once ₹ 415.49 crore in Q1 FY 25, which presentations an build up of 16.7 p.c. Then again, This autumn FY 25 declined by way of 17.1 p.c in FY 25 in comparison to ₹ 584.54 crore. Internet hobby source of revenue higher by way of 7.0 p.c 12 months after 12 months, achieving ₹ 1465.43 crore, however it noticed a slight lower of one.0 p.c in comparison to the former quarter.
The opposite source of revenue noticed a vital build up of 29.0 p.c 12 months after 12 months, which was once ₹ 250.30 crore, however declined by way of 38.1 p.c as in comparison to ₹ 404.31 crore within the earlier quarter. The running benefit for the quarter was once ₹ 672.84 crore, which is ₹ 594.67 crore extra in Q1 FY 25 to 13.1 p.c, however This autumn FY 25 is ₹ 800.02 crore lower than ₹ 800.02 crore much less.
Stability sheet highlights
Via June 30, by way of 2025, the entire deposit of the financial institution reached ₹ 1,48,541.82 crore, which is 12.1 p.c greater than ₹ 1,32,574.47 crore on 30 June, 2024. Internet advance higher by way of 6.1 p.c to ₹ 1,01,230 crore. Internet funding was once ₹ 42,758 crore, which is 29.3 p.c extra 12 months after 12 months. The financial institution’s web price higher by way of 18.2 p.c to ₹ 13,550 crore.
Asset high quality
Gross non-performing property (GNPA) declined from 3.91 p.c to a few.50 p.c from the 12 months to a few.50 p.c, whilst Internet Non-Acting Property (NNPA) higher from 0.76 p.c to 0.82 p.c. Provision protection ratio (PCR) was once 90.09 p.c.
Major ratio
- Internet Pastime Margin (NIM): 3.72 p.c (annual)
- Go back on Property (ROA): 1.17 p.c (annual)
- Value to Source of revenue Resho (CIR): 60.78 p.c
- Capital Edacchaei Ratio (CRAR): 15.98 p.c
More information
Jammu & Kashmir Financial institution Restricted has a large department community, together with 841 in Jammu and Kashmir Union Territories, 37 in Ladakh Union Territory and 141 branches in 20 states and union territories outdoor the Union Territories of Jammu and Kashmir and Ladakh. The financial institution has a robust presence out there and has been nominated by way of RBI as an company financial institution to do executive banking within the union territories of Jammu and Kashmir and Ladakh.
Virtual attendance
The financial institution is bettering its virtual look, through which greater than 90 p.c transactions are being executed digitally. Via Q1 FY 26, 94.02 p.c of all transactions have been virtual transactions.