The Jammu & Kashmir Bank Limited Q4 FY26 earnings call summary

Earnings call of 5 May 2026, summarised by AI from the filing.

J&K Bank posts FY26 net profit of ₹2,363 cr and guides FY27 credit growth of 12%, NIM around 3.5% and gross NPA below 2.25%.

Key takeaways

1. Capital raise Bank will consider raising ₹1,250 cr in the current year ahead of ECL implementation from 1st April 2027.
2. Retail focus Focus on retail advances in FY27 to improve yields after corporate advances impacted margins.
3. Geopolitical risk West Asia tensions led World Bank to cut India's FY27 growth forecast from 7.2% to 6.6%, prompting conservative guidance.

Original filing on BSE

The Jammu & Kashmir Bank Limited Q1 FY27 results

As filed: Revenue ₹3,547 cr, EBITDA ₹403 cr, PAT ₹425 cr, EBITDA margin 11.4%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• 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.
• Q2 FY25: Revenue ₹3,124 cr, EBITDA ₹456 cr, PAT ₹553 cr, EBITDA margin 14.6%. 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

• Q1 FY27: Earnings call (29 Jul 2026), Results deck (29 Jul 2026)
• Q4 FY26: Earnings call (5 May 2026), Results press release (5 May 2026)
• Q3 FY26: Earnings call (20 Jan 2026), Results press release (20 Jan 2026)
• Q2 FY26: Earnings call (18 Oct 2025), Results press release (18 Oct 2025)
• Q1 FY26: Earnings call (28 Jul 2025), Results deck (25 Jul 2025)
• Q4 FY25: Earnings call (6 May 2025), Results press release (5 May 2025)