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Running on Clouds: The Story of On
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Jammu and Kashmir Bank
Jammu and Kashmir Bank (J&KBANK) investor relations material
Jammu and Kashmir Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary20 Jan, 2026
Executive summary
Achieved record net profit of ₹2,082 crore for FY 2024-25, with Q3 FY26 standalone net profit at ₹588.73 crore, up 18.7% QOQ and 10.4% YOY, marking a third consecutive year of lifetime high profits.
Total business surpassed ₹2.5 lakh crore in FY 2025, with advances crossing ₹1 lakh crore and deposits up 10.6% YOY.
Asset quality improved, with GNPA at 3.00% (down from 4.08% YOY) and net NPA at 0.68% as of December 31, 2025.
Over 90% of transactions are now digital, reflecting strong digital transformation.
Upgraded long-term issuer rating to AA- with a stable outlook.
Financial highlights
Standalone net profit for nine months ended December 31, 2025, was ₹1,565.68 crore, up 4.5% YOY; consolidated net profit for the same period was ₹1,560.94 crore.
NIM for Q3 was 3.62%, cost-to-income ratio improved to 55.88%, and CASA ratio at 44.10%.
Operating profit before tax for Q3 FY26 was ₹806 crore; standalone total income for Q3 was ₹3,592.90 crore.
Annualized ROA at 1.35% and ROE at 15.16% for nine months.
Net worth increased to ₹14,525.47 crore as of December 31, 2025.
Outlook and guidance
FY26 guidance: credit growth 12%, deposit growth 10%, CASA 45%, NIM 3.65%-3.7%, ROA 1.2%-1.25%, ROE 15%-16%, GNPA below 3%.
Management expects NIM to improve in Q4 as deposit repricing completes and will continue investing in technology and digital banking.
Emphasis on growing retail, agriculture, and MSME segments, and expanding outside J&K.
Loan-to-deposit ratio targeted to rise to 76%-78% medium term, subject to regulatory compliance.
Additional provisions made for sub-standard and doubtful assets above RBI norms to enhance prudence.
J&K Grameen Bank impairment: What's the outlook?
Recent fraud cases: What caused the 100% provision?
Pahalgam rehab package: What's the long-term risk?
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Next Jammu and Kashmir Bank earnings date
Q4 25/264 May, 2026
Jammu and Kashmir Bank
Next Jammu and Kashmir Bank earnings date
Q4 25/264 May, 2026
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