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

The bank's financial statements, prepared in accordance with applicable accounting standards and RBI guidelines, have been subjected to a limited review by the statutory auditors. The accompanying statement includes both standalone and consolidated financial results.

Key financial figures from the standalone balance sheet as of December 31, 2025, show total assets of ₹1,77,467.02 crore, with deposits amounting to ₹1,55,861.35 crore and advances at ₹1,13,537.32 crore. For the consolidated balance sheet, total assets stood at ₹1,77,219.89 crore, with deposits at ₹1,55,850.15 crore and advances at ₹1,13,525.87 crore.

The bank has also disclosed various analytical ratios, including Capital Adequacy Ratio (CET1 Ratio, Tier 1 Ratio), Earnings Per Share (EPS), Net NPA ratios, and Return on Assets. Specific notes detail provisions made for NPAs, fraud cases reported to RBI, and other liabilities. The bank's provision coverage ratio stood at 90.46% as of December 31, 2025.