ALFA Finder| Margins | NIM declined 44 bps YoY to 3.28%. |
|---|---|
| Order book | Gross Advances reached ₹1,30,503 Cr. |
| Demand visibility | High growth story in J&K and Ladakh regions. |
Growth
Net Profit at ₹424.18 Cr, down 12.5% YoY. Net Advances grew 26.6% YoY to ₹1,28,183 Cr.
Outlook
Targeting growth via J&K/Ladakh infrastructure projects. Upgraded long-term rating to INDAA- (Stable).
Risks
NIM compressed to 3.28% from 3.72% YoY. Cost-to-income ratio at 58.90%.
Last quarter's promises, checked
Delivered
- Guided GNPA reduction → delivered 2.37% (= BEAT)
- Guided PCR improvement → delivered 90.53% (= BEAT)
- Guided digital migration → delivered 94% transactions digital (= BEAT)
Partly delivered
- Guided business growth → delivered total business >₹3T but with rising cost-to-income (= PARTIAL)
Missed
- Guided high profitability momentum → delivered Net Profit down 12.5% YoY (= MISS)
- Guided margin stability → delivered NIM compressed to 3.28% (= MISS)
Investor Presentation filed with NSE, NSE: J&KBANK. Summary written with AI assistance from the document.
Jammu & Kashmir Bank Ltd: key numbers
- Share price
- ₹137.72
- Market cap
- ₹15,165 Cr
- Revenue (annual)
- ₹13,151 Cr
- Net profit (annual)
- ₹2,360 Cr
- P/E (TTM)
- 6.4×Sector 20.8×
- Promoter holding
- 59.40%+0.00% QoQ
- FII holding
- 11.62%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Jammu & Kashmir Bank Ltd
All →Jammu & Kashmir Bank Legal & Regulatory
J&K Bank announces CBIC GST circular validates its FTP position, supporting quashing of two demand orders. Total GST liability at stake is ₹8,330.87 Crore.
- Value
- ₹8,331 Cr
Jammu & Kashmir Bank Earnings Call Transcript: Key Takeaways
Jammu & Kashmir Bank reported strong sequential profit growth driven by retail and MSME advances, while navigating CASA pressure.
- Call
- Guides 14% growth
Jammu & Kashmir Bank Investor Presentation: Key Takeaways
J&K Bank reported Q2FY27 net profit of ₹546 Cr (up 10.6% YoY) driven by strong credit growth and improved asset quality with record PCR of 91.76%.
Jammu & Kashmir Bank Results Update
J&K Bank reported Q2 FY27 net profit of ₹546 Cr, up 28.8% QoQ. Total business grew 19.4% to ₹3.10 lakh crore with decadal-best asset quality.
Jammu & Kashmir Bank Other Announcement
J&K Bank filed a routine Reg 32 statement confirming no deviation in utilisation of four prior preferential issues. All raised funds were fully deployed per original objects.
Jammu & Kashmir Bank Q2 FY27 Results: Net Profit ₹552.7 Cr, Up 11.7% YoY
Jammu & Kashmir Bank Ltd reported revenue from operations of ₹3,729 Cr (+13.2% YoY) and net profit of ₹552.7 Cr (+11.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹552.7 Cr · +11.7% YoY