| Revenue growth | Net profit grew 18.7% QoQ; credit growth 17.3% YoY. |
|---|---|
| Margins | NIM improved to 3.62% despite industry-wide pressure on yields. |
| Demand visibility | Strong domestic demand, particularly in J&K infrastructure and retail. |
| Management confidence | Confident, focusing on 'double hat-trick' of record annual profits. |
Growth
Credit grew 17.3% YoY, outperforming the system. Net profit rose 18.7% QoQ to ₹587 crore.
Outlook
FY26 targets: 12% credit growth, 10% deposit growth, and NIM of 3.65-3.70%.
Risks
CASA ratio declined to 44.1% due to sectoral shifts toward term deposits and mutual funds.
Earnings Call filed with NSE, NSE: J&KBANK. Summary written with AI assistance from the document.
Jammu & Kashmir Bank Ltd: key numbers
- Share price
- ₹146.10
- Market cap
- ₹16,088 Cr
- Revenue (annual)
- ₹13,151 Cr
- Net profit (annual)
- ₹2,360 Cr
- P/E (TTM)
- 7.0×Sector 22.0×
- Promoter holding
- 59.40%+0.00% QoQ
- FII holding
- 9.38%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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