JK Bank Announces Audited Financial Results for FY and Quarter Ended March 31, 2026
The Jammu & Kashmir Bank Limited today announced its audited financial results, covering the quarter and the full financial year ended March 31, 2026. The Board of Directors took these results on record during a meeting held on May 5, 2026. The audited reports provide the Standalone and Consolidated Financial Results for the bank’s group.The audit confirmed that the Standalone and Consolidated Financial Results present a true and fair view of the bank’s financial standing for the specified period.
Balance Sheet Highlights
The financial statements show substantial increases in the bank's total liabilities and assets in the consolidated view.The total liabilities of the bank's group stood at 1,88,959.75 crore as of March 31, 2026, up from 1,69,423.54 crore on the same date in 2025. Similarly, total assets reached 1,88,959.75 crore, marking a significant increase from 1,69,423.54 crore in the previous year.
| Metric | As at 31.03.2026 (Audited) (₹ in Crores) | As at 31.03.2025 (Audited) (₹ in Crores) |
|---|---|---|
| TOTAL CAPITAL AND LIABILITIES | 1,89,193.99 | 1,69,468.47 |
| Capital | 110.13 | 110.13 |
| Reserves and Surplus | 16,639.73 | 14,141.81 |
| Deposits | 1,65,354.00 | 1,48,569.46 |
| Borrowings | 3,431.00 | 2,382.84 |
| Other Liabilities and Provisions | 3,659.13 | 4,264.23 |
| TOTAL ASSETS | 1,89,193.99 | 1,69,468.47 |
| Cash and Balance with Reserve Bank of India | 7,621.87 | 7,385.48 |
| Investments | 40,821.86 | 41,212.66 |
| Advances | 1,22,641.02 | 1,04,198.72 |
| Other Assets | 15,372.82 | 12,106.02 |
Operational and Cash Flow Summary
The bank's overall cash generation from operations significantly changed year over year. Cash flow from operating activities for the year ended March 31, 2026, totaled (1,131.86) crore, compared to 2,718.32 crore in the prior year.The total cash and cash equivalents at the end of the year stood at 7,826.80 crore, decreasing from 9,759.86 crore at the beginning of the year.
In the Consolidated Cash Flow Statement, the net change in cash and cash equivalents for the year ended March 31, 2026, was (1,927.90) crore, falling from 1,586.67 crore the previous year.
Key Financial Metrics and Provisions
The bank's reported metrics show changes in provisions and capital structures:- Investment Impairment: The bank recognized an impairment of Rs. 228.66 crores related to its investment of Rs. 345.92 crores in its associate, Jammu & Kashmir Grameen Bank, based on a valuation by an independent registered valuer.
- Reserve Transfers: A transfer of Rs. 23.94 crores was made from the General Reserve to the Statutory Reserve, following the final comments of the Comptroller & Auditor General of India (C&AG).
- Interest Recovery: The bank recovered prior period interest under the Ladli Beti Scheme, booking a balance amount of Rs. 46.08 crores as Recoverable from Government.
Capital and Risk Ratios
Key capital adequacy ratios for the bank remained within reported bands:| Ratio | FY 2026 (%) | FY 2025 (%) |
|---|---|---|
| Capital Adequacy Ratio (BASEL III) | 13.54% | 14.44% |
| Tier I Ratio | 13.98% | 12.95% |
| NPA Ratio (Net NPAs to Gross Advances) | 3.37% | 3.60% |
| Return on Assets (Annualized) | 1.78% | 1.32% |
J&KBANK Stock Price Movement
Today, The Jammu & Kashmir Bank Limited shares edged higher, settling at ₹134.75 after gaining 2.54%, a move attributed to a ₹3.35 climb. The equity rallied on robust trading, hitting a high of ₹137.25 and seeing a total volume of 7.17 million shares traded.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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