Overview

• J&K Bank achieved a record annual net profit of ₹2,082.46 crore for FY25, marking a 17.83% year-on-year increase, despite an 8% year-on-year decline in Q4 profit to ₹584.54 crore.
• Gross NPA ratio improved significantly to 3.37% from 4.08% a year ago, with net NPA now at 0.79%, demonstrating stronger credit discipline and risk management.
• The bank saw robust business growth, with total deposits rising 10.24% year-on-year to ₹1.48 lakh crore and net advances increasing by 11.13% to ₹1.04 lakh crore.
• J&K Bank's leadership announced a strategic roadmap to reduce NPAs below 3% in the current fiscal year and achieve an ambitious profit milestone of ₹5,000 crore by 2030.
• The bank continues to focus on geographic diversification, digital transformation, and sectoral expansion in retail, MSME, and agricultural lending to sustain its growth trajectory.