The Jammu & Kashmir Bank Limited has announced its reviewed financial results for the quarter and nine months ended December 31, 2025. The Board of Directors took on record these results in a meeting held on January 20, 2026, which commenced at 11:00 AM and concluded at 03:20 PM.

The financial statements, prepared in accordance with Accounting Standard 25 and relevant RBI guidelines, have undergone a limited review by the bank's statutory central auditors. The results include both standalone and consolidated figures, reflecting the bank's financial performance across its operations and subsidiaries.

The announcement also details various financial metrics and ratios, including Capital Adequacy Ratio (CET1, Tier 1), Earnings Per Share (EPS), Net Asset Ratio (NPA), Return on Assets, Net Worth, and Debt-equity ratio. Segmental reporting for Treasury Operations, Corporate/Wholesale Banking, and Retail Banking (including Digital Banking) is also provided, offering insights into the performance of different business verticals.

Key notes from the financial review include provisions made for Non-Performing Assets (NPA), Non-Performing Investments (NPI), and other usual and necessary provisions as per prudential norms. The bank has also made additional provisions on sub-standard and doubtful accounts, exceeding the prescribed norms. Furthermore, the report mentions the identification and reporting of six fresh fraud cases amounting to ₹159.49 crore during the quarter, with provisions made against the net fraud amount.