| Management target | Revenue 18.0% FY27 |
|---|
| Revenue growth | Total business grew 20% YoY, crossing 3 trillion milestone. |
|---|---|
| Margins | NIM compressed to 3.28% from 3.98% due to low-yield corporate loans. |
| Demand visibility | Strong credit demand; 18-20% growth expected for full year. |
| Management confidence | Balanced, though defensive regarding Q1 margin compression and profit decline. |
Growth
Credit grew 25.4% YoY led by corporate lending; deposits grew 16.7% YoY, surpassing system growth.
Outlook
Management targets 18-20% credit growth and 1.25% ROA for FY27.
Risks
Compression of NIM to 3.28% and CASA ratio drop to 42% due to bulk deposit reliance.
Earnings Call Transcript 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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