Marching Ahead: J&K Bank’s Q4 Profits Surge, NPAs Shrink, and Shareholders Celebrate Dividend Bonanza

Jammu & Kashmir Bank has reported a robust financial performance in the March quarter 2025, its fourth consecutive record quarter. The bank reported a net profit of ₹5.85 billion in the March quarter, 10% above the last quarter and ranking among the industry's top performers. Interest earned in the quarter was ₹32.12 billion, reflecting the bank's solid core business and efficient lending.

Asset quality also improved with gross NPA reducing to 3.37%, evidencing judicious risk management and recoveries. Advances of the bank have surpassed the level of ₹1 lakh crore and deposits increased by more than 10% year over year, evidencing sustained business momentum.

As a return to its shareholders for its excellent performance, the Board of Directors has recommended a dividend of ₹2.15 per equity share. The move is an indication of the bank's commitment to reward its investors while maintaining a healthy capital base.

The management attributed the performance to continued efforts at digital transformation and renewed focus on retail, MSME, and agri lending, especially in its domestic markets of Jammu & Kashmir and Ladakh. With such performances, Jammu & Kashmir Bank has reported a hattrick of record annual profits, demonstrating continued resilience and growth opportunities.

Source: KNS Kashmir