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Jammu and Kashmir Bank (J&KBANK) investor relations material
Jammu and Kashmir Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary18 Oct, 2025
Executive summary
Achieved total business of over ₹2.5 lakh crore in FY 2025, with advances surpassing ₹1 lakh crore and deposits at ₹1.52 lakh crore as of September 30, 2025.
Net profit for Q2 FY26 was ₹494.11 crore (standalone), up 1.9% sequentially but down 10.3% year-over-year; consolidated net profit was ₹494.92 crore.
KASA/CASA ratio improved to 45.89% from 45.71% sequentially, marking the first improvement after nine quarters.
Over 94% of transactions are now digital, reflecting robust digital transformation.
Maintained strong operational autonomy with a significant presence in J&K and Ladakh, and expanding footprint across India.
Financial highlights
Deposits grew 10.2% year-over-year to ₹1,52,030 crore; net advances rose 9.4% to ₹1,05,153 crore.
Net interest margin (NIM) contracted to 3.56% from 3.90% year-over-year.
Cost-to-income ratio increased to 60.81% from 54.56% a year ago due to one-off provisions.
Net worth increased 15.4% year-over-year to ₹13,956 crore.
Operating costs well controlled, with only 2.2% YOY growth.
Outlook and guidance
FY26 guidance: credit and deposit growth at 12%, CASA at 48%, NIM 3.65–3.70%, ROA 1.20–1.25%, ROE 15–16%, GNPA below 3%.
Focus on improving asset quality, maintaining NPA levels, and expanding in retail, agriculture, and MSME segments.
ROA and ROE guidance revised downward due to exceptional impairment provision, but core profitability trajectory remains positive.
Continued investment in technology and digital banking to drive operational efficiency.
Credit cost expected to remain below 1%; strong focus on CASA growth to reach guidance.
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Next Jammu and Kashmir Bank earnings date
Q3 25/2620 Jan, 2026
Next Jammu and Kashmir Bank earnings date
Q3 25/2620 Jan, 2026
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