Jammu and Kashmir Bank Limited has announced impressive provisional financial results for the fiscal year ending September 30, 2025, registering a 9.89 percent year-on-year (YoY) growth in total business. The report, released in compliance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, highlights the bank’s strong financial discipline and continued operational momentum.

The bank’s total business stood at Rs 2,57,196.94 crore as of September 2025, up from Rs 2,34,057.41 crore recorded in September 2024. This reflects the institution’s growing footprint and consistent financial growth across segments.

Growth in Deposits and Advances

The bank reported a 10.23 percent growth in total deposits, reaching Rs 1,52,032.85 crore, compared to Rs 1,37,918.27 crore a year ago. This steady growth in deposits demonstrates strong depositor confidence and the bank’s ability to attract customers through competitive rates and quality service delivery.

The CASA (Current Account and Savings Account) deposits increased to Rs 69,776.56 crore, up from Rs 67,035.08 crore during the same period last year. However, the CASA ratio decreased to 45.90 percent, down from 48.60 percent in September 2024, indicating that while deposits grew, term deposits rose at a faster pace.

This decline in CASA percentage mirrors a broader industry trend as banks across India experience higher growth in term deposits amid interest rate adjustments and liquidity tightening.

The gross advances of Jammu and Kashmir Bank grew by 8.77 percent, rising to Rs 1,07,945.04 crore from Rs 99,242.01 crore in the previous fiscal. This shows a healthy increase in lending activity and the bank’s ability to support businesses and consumers effectively.

Rise in Investment Portfolio

The gross investment portfolio expanded by 13.62 percent, moving up to Rs 45,040.46 crore from Rs 39,640.14 crore. This reflects the bank’s strategic investment approach toward government and corporate securities, ensuring higher yields and balanced risk exposure.

Such growth in investments underscores effective asset-liability management and long-term financial prudence, which are key indicators of a stable banking institution.

Regulatory Compliance and Transparency

The disclosure, signed by Company Secretary Mohammad Shafi Mir, was made under Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015 and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information. The communication stated that the figures shared are provisional and subject to audit or review.

By maintaining transparent and timely disclosures, Jammu and Kashmir Bank reinforces its commitment to good governance, regulatory compliance, and investor confidence.

Key Financial Highlights

• Total Business: Rs 2,57,196.94 crore

• Total Deposits: Rs 1,52,032.85 crore

• CASA Deposits: Rs 69,776.56 crore

• CASA Ratio: 45.90 percent

• Gross Advances: Rs 1,07,945.04 crore

• Gross Investments: Rs 45,040.46 crore

These figures underline the bank’s financial resilience and growth consistency despite a challenging macroeconomic environment.

Sectoral Outlook and Market Position

India’s banking sector has seen steady credit growth in FY2025 driven by rising consumption, business lending, and infrastructure financing. Jammu and Kashmir Bank’s performance aligns with this trend, highlighting strong regional performance and improved balance sheet strength.

The decline in CASA ratio is balanced by the bank’s double-digit growth in deposits and investments, suggesting a healthy mix of retail and institutional funds. The advances growth of 8.77 percent further reflects enhanced credit demand from businesses and individuals across regions.

With a total business exceeding Rs 2.5 lakh crore, the bank continues to be a key financial institution in northern India, particularly in Jammu and Kashmir where it serves as a major credit provider and deposit mobiliser.

Strategic Priorities for Growth

Jammu and Kashmir Bank has been focusing on several strategic initiatives to drive long-term sustainable growth:

• Digital transformation: The bank continues to upgrade its digital platforms, offering secure and user-friendly online banking services.

• Retail and MSME focus: The bank’s strategy includes expanding credit to small businesses, self-employed individuals, and retail borrowers.

• Asset quality improvement: Through proactive risk management and strong recovery mechanisms, the bank aims to maintain a low non-performing asset (NPA) ratio.

• Regional and national expansion: While strengthening its core presence in Jammu and Kashmir, the bank is expanding across India to diversify its portfolio.

Market Reaction and Investor Perspective

As a listed entity on BSE (Scrip Code: 532209) and NSE (Symbol: J&KBANK), the announcement of 9.89 percent YoY growth is expected to generate positive market sentiment. Investors are likely to view these numbers as an indication of strong fundamentals and effective management execution.

The bank’s consistent growth trajectory, coupled with a diversified portfolio, offers confidence to shareholders and analysts monitoring the Indian public banking space.

Broader Economic Impact

The performance of Jammu and Kashmir Bank has significant implications for the regional economy, especially given its vital role in supporting small and medium enterprises, trade, and consumer finance in Jammu and Kashmir.

By expanding its lending base and deposit pool, the bank contributes to financial inclusion and economic development in one of India’s strategically important regions.

Conclusion

Jammu and Kashmir Bank’s FY2025 provisional results showcase financial stability, operational efficiency, and growth consistency. Despite minor challenges in CASA percentage, the overall performance demonstrates the bank’s ability to balance growth with prudence.

The increase in total business, advances, and investments highlights the bank’s strong position in India’s evolving banking landscape. As it moves towards the audited results, stakeholders anticipate continued progress, improved profitability, and enhanced shareholder value.

In essence, Jammu and Kashmir Bank stands as a resilient and forward-looking institution, reinforcing its legacy of service, trust, and financial strength in the Indian banking sector.

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