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J&K Bank reports Q2FY26 net profit of ₹494 Cr, up 1.9% QoQ. Deposits grew 10.2% YoY, and advances 9.4% YoY, with CASA ratio improving to 45.89%. While NIM dipped to 3.56%, asset quality strengthened: GNPA down to 3.32% and NNPA to 0.76%. A ₹180 Cr impairment hit half-year RoA/RoE, leading to revised FY26 guidance for RoA (1.20-1.25%) and RoE (15-16%). Management remains upbeat on underlying operational strength and growth trajectory.