Nine Monthly Results Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Dec'18
Interest Earned
9,324.01
8,302.19
6,842.99
6,000.53
6,159.53
6,290.20
5,605.66
Income On Investments
1,955.28
1,693.53
1,511.35
1,242.96
1,291.01
1,198.21
1,154.41
Interest On Balances With Rbi Other Inter Bank Funds
33.25
30.52
56.54
200.02
234.80
175.37
110.50
Interest / Discount On Advances / Bills
7,038.85
6,372.03
5,137.46
4,518.04
4,633.69
4,916.53
4,339.96
Others
296.63
206.11
137.64
39.51
0.03
0.09
0.79
Other Income
732.50
600.92
590.53
547.54
540.90
425.01
409.06
Total Income
10,056.51
8,903.11
7,433.52
6,548.07
6,700.43
6,715.21
6,014.72
Interest Expended
5,010.18
4,404.62
3,347.26
3,064.80
3,306.17
3,570.79
3,152.99
Net Interest Income
4,313.83
3,897.57
3,495.73
2,935.73
2,853.36
2,719.41
2,452.67
Total Expenditure (Excl Depreciation)
2,916.56
2,885.44
2,677.37
2,483.04
2,097.38
2,001.51
1,744.43
Employee Cost
2,048.63
2,087.62
1,982.95
1,821.61
1,514.38
1,396.33
1,150.57
Other Operating Expenses
867.93
797.82
694.42
661.43
583.00
605.18
593.86
Operating Profit Before Provisions and Contingencies
2,129.77
1,613.05
1,408.89
1,000.23
1,296.88
1,142.91
1,117.30
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
5.25
57.36
249.34
376.05
1,048.90
2,004.60
680.21
Profit Before Tax
2,124.52
1,555.69
1,159.55
624.18
247.98
-861.69
437.09
Tax
626.60
427.09
438.50
234.82
131.61
-16.39
187.00
Profit After Tax
1,497.92
1,128.60
721.05
389.36
116.37
-845.30
250.09
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,497.92
1,128.60
721.05
389.36
116.37
-845.30
250.09
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit Margin (Excl OI)
68.72%
65.24%
60.87%
58.62%
65.95%
68.18%
68.88%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
16.07%
13.59%
10.54%
6.49%
1.89%
-13.44%
4.46%
Net Interest Margin
1.01%
0.96%
1.02%
0.93%
0.97%
0.0%
0.98%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
48.17%
50.59%
53.76%
56.32%
54.44%
51.54%
48.86%
CASA Amount
67,887.38
65,035.00
63,339.76
61,561.56
56,514.93
48,017.66
42,121.83
Capital Adequacy Ratio (Total)
15.09%
14.18%
13.82%
12.38%
11.77%
11.1%
11.63%
Capital Adequacy Ratio (Tier 1)
12.71%
11.74%
10.77%
10.97%
10.05%
9.66%
9.83%
Provision Coverage Ratio (%)
89.67%
91.61%
84.83%
81.45%
83.67%
73.3%
65.82%
Amount of Gross NPAs
4,041.04
4,526.48
5,945.97
6,508.80
6,196.06
7,711.60
6,859.73
Amount of Net NPAs
898.08
740.83
1,613.61
2,067.76
1,664.32
2,810.32
3,049.18
% of Net NPAs
0.94%
0.83%
2.08%
3.02%
2.5%
4.36%
4.69%
% of Gross NPAs
4.08%
4.84%
7.25%
8.93%
8.71%
11.1%
9.94%
Public Share Holdings (%)
40.6%
40.6%
31.97%
29.88%
31.82%
40.77%
40.77%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1423.0
1414.0
1436.0
1394.0
1382.0
1349.0
1176.0
Number of Branches
1012.0
1001.0
989.0
974.0
956.0
955.0
939.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2024 is 12.31% vs 21.32% in Dec 2023
Net Profit
YoY Growth in nine months ended Dec 2024 is 32.72% vs 56.52% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2024 is 32.03% vs 14.49% in Dec 2023
% of Net NPAs
YoY Growth in nine months ended Dec 2024 is 0.11% vs -1.25% in Dec 2023
% of Gross NPAs
YoY Growth in nine months ended Dec 2024 is -0.76% vs -2.41% in Dec 2023
Compare Nine Monthly Results Of J&K Bank With
Figures in Rs cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
9,324.01
3,42,823.17
-3,33,499.16
-97.28%
Income On Investments
1,955.28
85,575.17
-83,619.89
-97.72%
Interest On Balances With Rbi Other Inter Bank Funds
33.25
3,286.92
-3,253.67
-98.99%
Interest / Discount On Advances / Bills
7,038.85
2,43,620.62
-2,36,581.77
-97.11%
Others
296.63
10,340.46
-10,043.83
-97.13%
Other Income
732.50
37,473.18
-36,740.68
-98.05%
Total Income
10,056.51
3,80,296.35
-3,70,239.84
-97.36%
Interest Expended
5,010.18
2,18,632.67
-2,13,622.49
-97.71%
Net Interest Income
4,313.83
1,24,190.50
-1,19,876.67
-96.53%
Total Expenditure (Excl Depreciation)
2,916.56
82,370.55
-79,453.99
-96.46%
Employee Cost
2,048.63
46,347.04
-44,298.41
-95.58%
Other Operating Expenses
867.93
36,023.51
-35,155.58
-97.59%
Operating Profit Before Provisions and Contingencies
2,129.77
79,293.13
-77,163.36
-97.31%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
5.25
8,866.21
-8,860.96
-99.94%
Profit Before Tax
2,124.52
70,426.92
-68,302.40
-96.98%
Tax
626.60
18,168.88
-17,542.28
-96.55%
Profit After Tax
1,497.92
52,258.04
-50,760.12
-97.13%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,497.92
52,258.04
-50,760.12
-97.13%
Face Value
1.00
1.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
16.07%
15.24%
0.00
0.83%
Net Interest Margin
1.01%
3.01%
-2.00
-2.00%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
48.17%
39.20%
8.97
8.97%
CASA Amount
67,887.38
19,65,237.00
-18,97,349.62
-96.55%
Capital Adequacy Ratio (Total)
15.09%
13.03%
2.06
2.06%
Capital Adequacy Ratio (Tier 1)
12.71%
10.85%
1.86
1.86%
Provision Coverage Ratio (%)
89.67%
74.66%
15.01
15.01%
Amount of Gross NPAs
4,041.04
84,360.38
-80,319.34
-95.21%
Amount of Net NPAs
898.08
21,377.64
-20,479.56
-95.8%
% of Net NPAs
0.94%
0.53%
0.41
0.41%
% of Gross NPAs
4.08%
2.07%
2.01
2.01%
Public Share Holdings (%)
40.60%
0.00%
40.60
40.60%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,423.00
0.00
1,423.00
Number of Branches
1,012.00
0.00
1,012.00
Nine Monthly - Interest Earned
Interest Earned 9324.01 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 12.31% vs 21.32% in Dec 2023
Nine Monthly - Net Profit
Net Profit 1,497.92 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 32.72% vs 56.52% in Dec 2023
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,129.77 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 32.03% vs 14.49% in Dec 2023
Nine Monthly - % of Net NPAs
% of Net NPAs 0.94%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is 0.11% vs -1.25% in Dec 2023
Nine Monthly - % of Gross NPAs
% of Gross NPAs 4.08%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -0.76% vs -2.41% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
