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

Latest as of March 2026: Rs165.00 Billion INR ≈ $1.78 Billion USD

Based on the latest financial reports, The Jammu & Kashmir Bank Limited (J&KBANK) has net assets worth Rs165.00 Billion INR (≈ $1.78 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.89 Trillion ≈ $20.44 Billion USD) and total liabilities (Rs1.72 Trillion ≈ $18.65 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 J&KBANK tangible net assets ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs165.00 Billion
% of Total Assets	8.73%
Annual Growth Rate	11.54%
5-Year Change	104.28%
10-Year Change	190.85%
Growth Volatility	355.34

The Jammu & Kashmir Bank Limited - Net Assets Trend (2005–2026)

This chart illustrates how The Jammu & Kashmir Bank Limited's net assets have evolved over time, based on quarterly financial data. See operational self-sufficiency of The Jammu & Kashmir Bank Limited to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for The Jammu & Kashmir Bank Limited (2005–2026)

The table below shows the annual net assets of The Jammu & Kashmir Bank Limited from 2005 to 2026. For live valuation and market cap data, see The Jammu & Kashmir Bank Limited (J&KBANK) total market value.

Year	Net Assets	Change
2026-03-31	Rs165.00 Billion ≈ $1.78 Billion	+16.13%
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 decreased by 10.8% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (March 2026)

Component	Amount	Percentage
Retained Earnings	Rs963.17 Million	0.58%
Common Stock	Rs1.10 Billion	0.67%
Other Comprehensive Income	Rs-715.68 Million	-0.43%
Other Components	Rs163.65 Billion	99.18%
Total Equity	Rs165.00 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
Husqvarna AB (publ) ST:HUSQ-B	$1.94 Billion
Forvia SE PA:FRVIA	$1.94 Billion
Baoding Lucky Innovative Materials Co Ltd SHE:300446	$1.94 Billion
Kodiak Sciences Inc NASDAQ:KOD	$1.94 Billion
Dalian Bio-Chem Co Ltd SHG:603360	$1.94 Billion
Foran Energy Group Co Ltd SHE:002911	$1.94 Billion
Mednax Inc NYSE:MD	$1.94 Billion
Central Garden & Pet Company A NASDAQ:CENTA	$1.94 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 2025 to 2026, total equity changed from 142,083,100,000 to 164,997,800,000, a change of 22,914,700,000 (16.1%).
Net income of 23,595,100,000 contributed positively to equity growth.
Dividend payments of 2,367,500,000 reduced retained earnings.
Share repurchases of 792,451,000 reduced equity.
Other comprehensive income decreased equity by 112,502,508,000.
Other factors increased equity by 114,982,059,000.

Equity Change Factors (2025 to 2026)

Factor	Impact	Contribution
Net Income	Rs23.60 Billion	+14.3%
Dividends Paid	Rs2.37 Billion	-1.43%
Share Repurchases	Rs792.45 Million	-0.48%
Other Comprehensive Income	Rs-112.50 Billion	-68.18%
Other Changes	Rs114.98 Billion	+69.69%
Total Change	Rs-	16.13%

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: 1.09x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 4.74x to 1.09x 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	Rs162.90	x
2006-03-31	Rs37.12	Rs162.90	x
2007-03-31	Rs41.44	Rs162.90	x
2008-03-31	Rs47.63	Rs162.90	x
2009-03-31	Rs54.11	Rs162.90	x
2010-03-31	Rs62.08	Rs162.90	x
2011-03-31	Rs71.76	Rs162.90	x
2012-03-31	Rs84.44	Rs162.90	x
2013-03-31	Rs100.35	Rs162.90	x
2014-03-31	Rs118.04	Rs162.90	x
2015-03-31	Rs126.01	Rs162.90	x
2016-03-31	Rs132.45	Rs162.90	x
2017-03-31	Rs116.73	Rs162.90	x
2018-03-31	Rs110.53	Rs162.90	x
2019-03-31	Rs118.91	Rs162.90	x
2020-03-31	Rs88.95	Rs162.90	x
2021-03-31	Rs95.34	Rs162.90	x
2022-03-31	Rs97.28	Rs162.90	x
2023-03-31	Rs102.69	Rs162.90	x
2024-03-31	Rs115.90	Rs162.90	x
2025-03-31	Rs129.06	Rs162.90	x
2026-03-31	Rs149.82	Rs162.90	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): 14.30%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 16.73%
• Asset Turnover: 0.07x
• Equity Multiplier: 11.45x
Recent ROE (14.30%) is above the historical average (9.26%), 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%	4.86%	0.07x	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
2026	14.30%	16.73%	0.07x	11.45x	Rs7.10 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: $105,668,636,200
Average return on equity (ROE) among peers: 7.07%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
The Jammu & Kashmir Bank Limited (J&KBANK)	Rs165.00 Billion	6.91%	10.45x	$1.94 Billion
AU Small Finance Bank Limited (AUBANK)	$7.66 Billion	18.19%	4.19x	$8.30 Billion
Bandhan Bank Limited (BANDHANBNK)	$44.46 Billion	25.01%	5.80x	$3.73 Billion
Bank of Baroda (BANKBARODA)	$218.99 Billion	20.25%	15.72x	$15.83 Billion
Bank of India (BANKINDIA)	$369.16 Billion	-16.15%	15.66x	$7.27 Billion
Canara Bank (CANBK)	$328.59 Billion	-7.93%	16.16x	$13.24 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$2.50 Billion	7.76%	16.26x	$142.52 Million
Central Bank of India (CENTRALBK)	$18.68 Billion	17.14%	29.40x	$3.24 Billion
CSB Bank Limited (CSBBANK)	$9.74 Billion	-20.27%	15.89x	$673.57 Million
City Union Bank Limited (CUB)	$16.41 Billion	19.63%	13.00x	$1.59 Billion
DCB Bank Limited (DCBBANK)	$40.49 Billion	7.10%	10.07x	$647.71 Million

About The Jammu & Kashmir Bank Limited

NSE:J&KBANK India Banks - Regional

Market Cap

$1.94 Billion

Rs179.38 Billion INR

Market Cap Rank

#6417 Global

#283 in India

Share Price

Rs162.90

Change (1 day)

-0.03%

52-Week Range

Rs98.09 - Rs162.95

All Time High

Rs162.95