The Jammu & Kashmir Bank Limited — Investor Meet, 20-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

J&K Bank reported a strong Q3 FY26, with Net Profit increasing 18.7% QoQ to Rs.587 Cr, and 9-month profit at Rs.1,566 Cr (+4.5% YoY). Advances grew 17.3% YoY, outpacing system credit growth, while deposits rose 10.6% YoY. Asset quality improved significantly, with GNPA at 3.00% and NNPA at 0.68%, nearing year-end targets ahead of schedule. Q3 NIM stood at 3.62%. The board approved raising Rs.750 Cr equity and Rs.500 Cr Tier II capital. Management is confident in extending its record annual profit streak, highlighting strong institutional resilience.