Audited Results of Jammu & Kashmir Bank Ltd. Company

(Rs in Cr.)	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Operating Income	12,535.86	11,212.36	9,355.11	8,013.48	8,111.09
Manufacturing Expenses	0	0	0	0	0
Personnel Expenses	2,780.36	2,571.56	2,703.66	2,671.93	2,059.38
Selling Expenses	12.18	11.43	5.13	1.35	1.65
Administrative Expenses	1,036.56	844.06	851.38	1,132.31	1,760.73
Expenses Capitalised	0	0	0	0	0
Cost Of Sales	10,571.14	9,435.73	8,169.99	7,907.83	8,162.08
Operating Profit	1,964.72	1,776.63	1,185.11	105.65	-50.99
Other Recurring Income	1,136.81	825.48	756.81	780.93	718.99
Adjusted PBDIT	9,839.67	8,503.10	6,625.88	5,345.50	6,085.47
Financial Expenses	6,742.04	6,008.68	4,609.83	4,102.25	4,340.31
Depreciation	167.83	217.55	157.56	143.87	133.93
Other Write offs	0	0	0	0	0
Adjusted PBT	2,933.70	2,384.57	1,784.36	742.70	534.07
Tax Charges	851.24	617.30	586.98	241.14	101.95
Adjusted PAT	2,082.46	1,767.27	1,197.38	501.56	432.12
Non Recurring Items	0	0	0	0	0
Other Non Cash adjustments	0	0	0	0	0
Reported Net Profit	2,082.46	1,767.27	1,197.38	501.56	432.12
Equity Dividend	236.75	236.75	51.57	0	0
Preference Dividend	0	0	0	0	0
Retained Earnings	1,845.71	1,530.51	1,145.81	501.56	432.12

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