The Jammu & Kashmir Bank Limited — Updates, 05-05-2025: Press Release

J&K Bank has announced a board meeting on the financial results for the quarter and half-year. The bank reported a record annual net profit of Rs 2082 Cr, up 17.8% YoY, with advances surpassing Rs 1 Lakh Cr. Net Interest Income rose 11.3% to Rs 5793 Cr, supported by a NIM of 3.92%. Deposits grew 10.2% to Rs 1.49 Lakh Cr, with a strong CASA ratio of 47%. Asset quality improved as Gross NPA fell to 3.37% and provisioning exceeded 90%. Capital adequacy stands firm at 16.29%. Focus remains on retail, MSME, agriculture lending, and digital growth.