130.20
+5.76%
Close of 9 Nov 2026, in INR
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About Jammu and Kashmir Bank
Its shares trade on NSE under the ticker J&KBANK.NS. It has been listed since 3 August 1998. In the fiscal year to 26 September 2025, it reported revenue before interest expense of ₹12.03bn and net income of ₹290.2m. At that date it held total assets of ₹11.25bn and shareholders' equity of ₹3.64bn.
Jammu & Kashmir Bank Ltd. engages in the provision of banking and financial services. The company is headquartered in Srinagar, Jammu And Kashmir. Its segments include Retail, Corporate and Treasury. The Bank offers a range of products and services, such as loans, personal accounts, term deposits, insurance, cards, business accounts, agriculture loans and others. The Bank offers a range of retail credit products, including home finance, personal loans, education loans, agriculture lending, trade credit and consumer credit and a number of financial products tailored to the needs of various customer segments. The company provides loans, such as housing loan, consumer loan, JK bank personal, consumption loan scheme, laptop/ pc finance, festival advance scheme, education loan scheme and others. The company operates through over 955 branches, which include approximately 174 metro branches, over 110 urban branches, 162 semi-urban branches and 544 rural branches, which are spread over 18 states and four union territories.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 3 Aug 1998
- Employees
- 43,000
- Website
- jkbank.com ↗
Leadership
Pay as last reported
- Mr. Steven DemetriouChairman of the Board, Chief Executive Officer, since 2015$16.3m
- Mr. Kevin BerrymanPresident, Chief Financial Officer$9.2m
- Mr. Robert PragadaPresident, Chief Operating Officer$9.7m
- Ms. Joanne CarusoExecutive Vice President, Chief Legal and Administration Officer$3.1m
- Mr. Patrick HillExecutive Vice President, President - People & Places Solutions
- Mr. William AllenSenior Vice President, Chief Accounting Officer
- Mr. Christopher ThompsonLead Independent Director$394,937
- Ms. Priya AbaniIndependent Director
- Retd. Gen. Vincent BrooksIndependent Director$295,620
- Gen. Ralph EberhartIndependent Director$296,456
- Mr. Manuel FernandezIndependent Director$339,170
- Ms. Georgette KiserIndependent Director$296,456
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 83
- Environment
- 99
- Social
- 99
- Governance
- 52
- Direct emissions (scope 1)
- 16,512 t
- Energy emissions (scope 2)
- 29,084 t
- Value chain emissions (scope 3)
- 147,829 t
- Women in the workforce
- 30.9%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Jammu & Kashmir Bank Ltd employs 12,786 full-time employees in its Retail segment.
- The bank operates over 955 branches across 18 states and four union territories.
- JK Bank offers diverse products including home finance, education loans, and agriculture lending.
Weaknesses
- The bank has 174 metro branches which may face higher operational costs.
- JK Bank's 162 semi-urban branches could have limited market reach.
- The bank's 544 rural branches might struggle with lower revenue generation.
Opportunities
- JK Bank can expand its retail credit products in the 18 states it serves.
- The bank's 110 urban branches can target new customer segments.
- JK Bank's agriculture lending segment can grow with government support.
Threats
- JK Bank's 12,786 employees may increase operational costs significantly.
- The bank's 544 rural branches could face challenges from digital banking trends.
- JK Bank's 174 metro branches might encounter intense competition from other banks.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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