| Revenue growth | Annual profit grew 13.5%; Q4 profit grew 36% Q-on-Q. |
|---|---|
| Margins | NIM moderated to 3.60% due to rate cuts and deposit competition. |
| Demand visibility | Conservative for FY27 due to external geopolitical environment. |
| Management confidence | High; citing structurally stronger franchise and resilient business model. |
Growth
Business grew 13.6% YoY; advances up 16.8% and deposits up 11.3%. ROI loan growth led at 28.8%.
Outlook
FY27 Guidance: 12% credit growth, 10% deposit growth, 3.5% NIM, 1.37% RoA, and GNPA below 2.25%.
Risks
NIM compression from RBI rate cuts and deposit competition; geopolitical tensions in West Asia impacting growth outlook.
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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