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The Jammu & Kashmir Bank Limited Q2 FY27 earnings call summary

NSE: J&KBANK · BSE: 532209

Earnings call of 22 Oct 2026, summarised by AI from the filing.

J&K Bank's Q2 FY27 net profit was ₹546 cr, up almost 29% sequentially, with FY27 credit growth guidance revised higher to 14% plus.

Key takeaways

  1. Net profit ₹546 cr in Q2 FY27, a sequential jump of almost 29% and double-digit Y-o-Y growth.
  2. Guidance FY27 credit growth 14% plus, deposit growth 12% plus, CASA 42% plus, RoA around 1.20% and GNPA below 2%.
  3. Credit guidance Credit growth guidance revised higher to 14% plus, with an aim of around 18% if retail growth continues.
  4. RAM growth Entire net incremental credit in the quarter came from retail, agriculture and MSME, supporting yield.
  5. NIM NIM compressed to 3.22% for H1 FY27 on higher cost of deposits.

Original filing on BSE

The Jammu & Kashmir Bank Limited Q2 FY27 results

As filed: Revenue ₹3,729 cr, EBITDA ₹400 cr, PAT ₹547 cr, EBITDA margin 10.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹3,547 cr, EBITDA ₹403 cr, PAT ₹425 cr, EBITDA margin 11.4%. Not scored. Bank result format: not scored yet. Share price after the results: −15.4% in 30 days (Nifty 500: +1.8%).
  • Q4 FY26: Revenue ₹3,273 cr, EBITDA ₹600 cr, PAT ₹799 cr, EBITDA margin 18.3%. Not scored. Bank result format: not scored yet. Share price after the results: +9.6% in 30 days (Nifty 500: −1.4%).
  • Q3 FY26: Revenue ₹3,315 cr, EBITDA ₹525 cr, PAT ₹588 cr, EBITDA margin 15.9%. Not scored. Bank result format: not scored yet. Share price after the results: +7.3% in 30 days (Nifty 500: +1.5%).
  • Q2 FY26: Revenue ₹3,293 cr, EBITDA ₹478 cr, PAT ₹495 cr, EBITDA margin 14.5%. Not scored. Bank result format: not scored yet. Share price after the results: +3.3% in 30 days (Nifty 500: +1.5%).
  • Q1 FY26: Revenue ₹3,269 cr, EBITDA ₹406 cr, PAT ₹486 cr, EBITDA margin 12.4%. Not scored. Bank result format: not scored yet. Share price after the results: −6.0% in 28 days (Nifty 500: −0.1%).
  • Q4 FY25: Revenue ₹3,213 cr, EBITDA ₹404 cr, PAT ₹585 cr, EBITDA margin 12.6%. Not scored. Bank result format: not scored yet. Share price after the results: +9.1% in 30 days (Nifty 500: +2.8%).
  • Q3 FY25: Revenue ₹3,210 cr, EBITDA ₹516 cr, PAT ₹532 cr, EBITDA margin 16.1%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

The Jammu & Kashmir Bank Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.