| Revenue growth | Interest earned grew 13.2% YoY to ₹3,727 Cr. |
|---|---|
| Margins | NIM declined to 3.17%; Yield on Advances at 8.55%. |
| Order book | Gross Advances reached ₹1,33,551 Cr. |
| Demand visibility | Strong infrastructure and strategic project pipeline in J&K and Ladakh. |
| Management confidence | High; citing turnaround story with decadal high PCR and improved asset quality. |
Growth
Net Advances grew 24.8% YoY to ₹1,31,234 Cr; Total Business up 19.4% YoY to ₹3,10,347 Cr.
Outlook
Management targeting sustained infrastructure and retail growth in JKL region. Net worth crossed ₹16,000 Cr mark.
Risks
NIM compressed to 3.17% from 3.56% YoY. Operating expenses rose 6.5% YoY. Regional concentration in J&K remains high.
Last quarter's promises, checked
Delivered
- Guided GNPA < 2.25% → delivered 2.37% (= MISS)
- Guided NIM ~3.5% → delivered 3.17% (= MISS)
- Guided Credit Growth ~12% → delivered 24.8% (= BEAT)
Partly delivered
- Guided ROA ~1.25% → delivered 1.05% (annualized Q2 profit on business size) (= PARTIAL)
Missed
- Guided NIM ~3.5% → delivered 3.17% (= MISS)
- Guided GNPA below 2.25% → delivered 2.37% (= MISS)
Investor Presentation filed with BSE, NSE: J&KBANK. Summary written with AI assistance from the document.
Jammu & Kashmir Bank Ltd: key numbers
- Share price
- ₹121.83
- Market cap
- ₹13,416 Cr
- Revenue (annual)
- ₹13,151 Cr
- Net profit (annual)
- ₹2,360 Cr
- P/E (TTM)
- 5.7×Sector 19.7×
- 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 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 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
Jammu & Kashmir Bank Annual General Meeting
J&K Bank filed the minutes of its 88th AGM held on 22 September 2026. Resolutions approving accounts and auditor remuneration passed by overwhelming majority.
Jammu & Kashmir Bank Merger & Restructuring Worth ₹120.1 Cr
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- Value
- ₹120.1 Cr