J&K Bank Q1 2025 Results: Net Profit Rises 17% to Rs 484.84 Crore

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J&K Bank Q1 2025 Results: Net Profit Rises 17% to Rs 484.84 Cr 🏦📈
📅 July 26, 2025

Jammu & Kashmir Bank has reported a strong Q1 2025, with net profit rising 16.7% year-over-year to Rs 484.84 crore, despite a one-time impairment provision. The bank’s improved profitability, sound asset quality, and growth in deposits and advances indicate a positive trajectory as it expands its footprint across India.

Key Highlights
Net Profit: Rs 484.84 crore (+16.7% YoY, vs Rs 415.49 crore)

Net Interest Income (NII): Rs 1,465.43 crore (+7% YoY)

Operating Profit: Rs 672.84 crore (+13% YoY)

Return on Assets (ROA): 1.17%

Net Interest Margin (NIM): 3.72%

Total Deposits: Rs 1,48,542 crore (+12% YoY)

Net Advances: Rs 1,01,230 crore (+6.06% YoY)

Asset Quality & Capital
Gross NPA: Reduced to 3.50%

Net NPA: Stands at 0.82%

NPA Coverage Ratio: Above 90% (strong buffer)

Capital Adequacy Ratio (CAR): 15.98% (well-capitalized for growth)

Additional Info
⚠️ One-time impairment provision of Rs 87 crore towards investment in J&K Grameen Bank impacted profitability this quarter.

🎯 The bank aims to further reduce Gross NPA to around 3% by year-end and is actively diversifying operations nationwide.

J&K Bank’s consistent focus on asset quality, capital strength, and balanced growth positions it strongly for the coming quarters.

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