The Jammu & Kashmir Bank Limited Q2 FY26 earnings call summary

Earnings call of 18 Oct 2025, summarised by AI from the filing.

J&K Bank Q2 FY26 net profit ₹494 cr, up 1.9% QoQ, with FY26 guidance of 12% credit growth and NIM 3.65-3.70%.

Key takeaways

1. Net profit Q2 FY26 net profit ₹494 cr, up 1.9% QoQ despite a substantially lower TWO recovery.
2. Guidance FY26 guidance: credit growth 12%, deposit growth 10%, CASA 48%, NIM 3.65-3.70%, RoA 1.20-1.25%, RoE 15-16%, GNPA below 3%.
3. CASA ratio Rose to 45.89% as on 30 September 2025 from 45.71% on 30 June 2025, the first sequential improvement in nine quarters.
4. Rest of India ROI advances grew 16.1% Y-o-Y against 5.9% in JKL, in line with the 50-50 loan book vision.
5. Grameen Bank ₹180 cr one-off impairment provision (₹92 cr this quarter, ₹87 cr last quarter) hit profitability and led to revised RoA and RoE 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)