The Jammu & Kashmir Bank Limited — Investor Meet, 06-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Jammu and Kashmir Bank has announced a board meeting to discuss the financial results for the quarter and half-year. The bank posted a PAT of ₹2,082 Cr for FY 2024-25, up 17.8% YoY, with Net Interest Income rising 11.3% to ₹5,794 Cr and stable NIM at 3.92%. Deposits grew 10.2% to ₹1.48 lakh Cr, advances up 11.1% to ₹1.04 lakh Cr. Asset quality improved with Gross NPA at 3.37% and PCR at 90.28%. Retail advances form 67.4% of loans, CASA ratio increased to 53%, and digital transactions crossed 90%. Focus remains on asset quality, retail/MSME growth, CASA expansion, and tech-driven scale beyond J&K.