The Jammu & Kashmir Bank Limited (J&KBANK) - Net Assets

Latest as of December 2025: Rs154.91 Billion INR ≈ $1.68 Billion USD

Based on the latest financial reports, The Jammu & Kashmir Bank Limited (J&KBANK) has net assets worth Rs154.91 Billion INR (≈ $1.68 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.77 Trillion ≈ $19.17 Billion USD) and total liabilities (Rs1.62 Trillion ≈ $17.49 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of The Jammu & Kashmir Bank Limited to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs154.91 Billion
% of Total Assets	8.74%
Annual Growth Rate	11.31%
5-Year Change	108.88%
10-Year Change	121.28%
Growth Volatility	363.77

The Jammu & Kashmir Bank Limited - Net Assets Trend (2005–2025)

This chart illustrates how The Jammu & Kashmir Bank Limited's net assets have evolved over time, based on quarterly financial data. Also explore The Jammu & Kashmir Bank Limited assets under control for the complete picture of this company's asset base.

Annual Net Assets for The Jammu & Kashmir Bank Limited (2005–2025)

The table below shows the annual net assets of The Jammu & Kashmir Bank Limited from 2005 to 2025. For live valuation and market cap data, see The Jammu & Kashmir Bank Limited (J&KBANK) total market value.

Year	Net Assets	Change
2025-03-31	Rs142.08 Billion ≈ $1.54 Billion	+16.53%
2024-03-31	Rs121.93 Billion ≈ $1.32 Billion	-91.47%
2023-03-31	Rs1.43 Trillion ≈ $15.47 Billion	+1670.68%
2022-03-31	Rs80.77 Billion ≈ $873.51 Million	+18.74%
2021-03-31	Rs68.02 Billion ≈ $735.64 Million	+7.19%
2020-03-31	Rs63.46 Billion ≈ $686.28 Million	-4.17%
2019-03-31	Rs66.22 Billion ≈ $716.12 Million	+7.54%
2018-03-31	Rs61.58 Billion ≈ $665.92 Million	+8.54%
2017-03-31	Rs56.73 Billion ≈ $613.50 Million	-11.65%
2016-03-31	Rs64.21 Billion ≈ $694.39 Million	+5.11%
2015-03-31	Rs61.08 Billion ≈ $660.61 Million	+6.75%
2014-03-31	Rs57.22 Billion ≈ $618.83 Million	+17.63%
2013-03-31	Rs48.65 Billion ≈ $526.09 Million	+18.84%
2012-03-31	Rs40.93 Billion ≈ $442.67 Million	+17.66%
2011-03-31	Rs34.79 Billion ≈ $376.24 Million	+15.56%
2010-03-31	Rs30.11 Billion ≈ $325.59 Million	+14.78%
2009-03-31	Rs26.23 Billion ≈ $283.65 Million	+13.60%
2008-03-31	Rs23.09 Billion ≈ $249.70 Million	+14.94%
2007-03-31	Rs20.09 Billion ≈ $217.24 Million	+11.63%
2006-03-31	Rs17.99 Billion ≈ $194.61 Million	+8.05%
2005-03-31	Rs16.65 Billion ≈ $180.11 Million	--

Equity Component Analysis

This analysis shows how different components contribute to The Jammu & Kashmir Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 64515.1% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (March 2025)

Component	Amount	Percentage
Retained Earnings	Rs697.45 Billion	490.87%
Common Stock	Rs1.10 Billion	0.78%
Other Comprehensive Income	Rs111.79 Billion	78.68%
Total Equity	Rs142.08 Billion	100.00%

The Jammu & Kashmir Bank Limited Competitors by Market Cap

The table below lists competitors of The Jammu & Kashmir Bank Limited ranked by their market capitalization.

Company	Market Cap
Darbond Technology Co. Ltd. A SHG:688035	$1.54 Billion
Ruentex Engineering & Construction Co Ltd TW:2597	$1.54 Billion
Savaria Corporation TO:SIS	$1.54 Billion
Orizon Valorização de Resíduos S.A SA:ORVR3	$1.54 Billion
Icade SA PA:ICAD	$1.54 Billion
Jindal Saw Limited NSE:JINDALSAW	$1.53 Billion
Nuvation Bio Inc NYSE:NUVB	$1.53 Billion
Fine Organic Industries Limited NSE:FINEORG	$1.53 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in The Jammu & Kashmir Bank Limited's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 121,927,200,000 to 142,083,100,000, a change of 20,155,900,000 (16.5%).
Net income of 20,817,862,000 contributed positively to equity growth.
Dividend payments of 2,367,542,000 reduced retained earnings.
Share repurchases of 440,000,000 reduced equity.
New share issuances of 453,000 increased equity.
Other comprehensive income increased equity by 53,080,904,000.
Other factors decreased equity by 50,935,777,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	Rs20.82 Billion	+14.65%
Dividends Paid	Rs2.37 Billion	-1.67%
Share Repurchases	Rs440.00 Million	-0.31%
Share Issuances	Rs453.00K	+0.0%
Other Comprehensive Income	Rs53.08 Billion	+37.36%
Other Changes	Rs-50.94 Billion	-35.85%
Total Change	Rs-	16.53%

Book Value vs Market Value Analysis

This analysis compares The Jammu & Kashmir Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.00x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 3.76x to 1.00x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2005-03-31	Rs34.34	Rs129.02	x
2006-03-31	Rs37.12	Rs129.02	x
2007-03-31	Rs41.44	Rs129.02	x
2008-03-31	Rs47.63	Rs129.02	x
2009-03-31	Rs54.11	Rs129.02	x
2010-03-31	Rs62.08	Rs129.02	x
2011-03-31	Rs71.76	Rs129.02	x
2012-03-31	Rs84.44	Rs129.02	x
2013-03-31	Rs100.35	Rs129.02	x
2014-03-31	Rs118.04	Rs129.02	x
2015-03-31	Rs126.01	Rs129.02	x
2016-03-31	Rs132.45	Rs129.02	x
2017-03-31	Rs116.73	Rs129.02	x
2018-03-31	Rs110.53	Rs129.02	x
2019-03-31	Rs118.91	Rs129.02	x
2020-03-31	Rs88.95	Rs129.02	x
2021-03-31	Rs95.34	Rs129.02	x
2022-03-31	Rs97.28	Rs129.02	x
2023-03-31	Rs102.69	Rs129.02	x
2024-03-31	Rs115.90	Rs129.02	x
2025-03-31	Rs129.06	Rs129.02	x

Capital Efficiency Dashboard

This dashboard shows how efficiently The Jammu & Kashmir Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 14.65%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 15.11%
• Asset Turnover: 0.08x
• Equity Multiplier: 11.92x
Recent ROE (14.65%) is above the historical average (9.02%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2005	6.91%	6.99%	0.07x	14.66x	Rs-514.71 Million
2006	9.83%	9.73%	0.07x	14.70x	Rs-31.04 Million
2007	13.66%	13.33%	0.07x	14.26x	Rs736.18 Million
2008	15.59%	13.44%	0.08x	14.19x	Rs1.29 Billion
2009	15.63%	12.68%	0.09x	14.37x	Rs1.48 Billion
2010	17.02%	14.76%	0.08x	14.13x	Rs2.11 Billion
2011	17.69%	15.09%	0.08x	14.52x	Rs2.67 Billion
2012	19.62%	15.53%	0.09x	14.72x	Rs3.94 Billion
2013	21.68%	15.93%	0.09x	14.75x	Rs5.68 Billion
2014	20.64%	16.50%	0.09x	13.74x	Rs6.09 Billion
2015	8.32%	6.64%	0.10x	12.45x	Rs-1.02 Billion
2016	6.45%	5.65%	0.09x	12.50x	Rs-2.28 Billion
2017	-28.79%	-23.53%	0.08x	14.46x	Rs-22.00 Billion
2018	3.29%	2.91%	0.08x	14.56x	Rs-4.13 Billion
2019	7.00%	5.54%	0.08x	15.31x	Rs-1.98 Billion
2020	-18.65%	-13.42%	0.08x	17.15x	Rs-18.18 Billion
2021	6.30%	12.91%	0.03x	17.68x	Rs-2.52 Billion
2022	6.13%	5.64%	0.07x	16.17x	Rs-3.13 Billion
2023	11.93%	11.76%	0.07x	14.74x	Rs1.91 Billion
2024	14.53%	14.79%	0.08x	12.67x	Rs5.52 Billion
2025	14.65%	15.11%	0.08x	11.92x	Rs6.61 Billion

Industry Comparison

This section compares The Jammu & Kashmir Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $108,245,704,600
Average return on equity (ROE) among peers: 6.74%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
The Jammu & Kashmir Bank Limited (J&KBANK)	Rs154.91 Billion	6.91%	10.44x	$1.54 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About The Jammu & Kashmir Bank Limited

NSE:J&KBANK India Banks - Regional

Market Cap

$1.54 Billion

Rs142.07 Billion INR

Market Cap Rank

#7291 Global

#332 in India

Share Price

Rs129.02

Change (1 day)

-4.17%

52-Week Range

Rs90.14 - Rs134.64

All Time High

Rs145.21