| 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
- ₹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.
More from Jammu & Kashmir Bank Ltd
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- Value
- ₹120.1 Cr
Jammu & Kashmir Bank Management Change
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Jammu and Kashmir Bank announced the appointment of new Statutory Central Auditors for FY 2026-27, while some previous auditors have completed their term.