The Jammu & Kashmir Bank Limited — Investor Meet, 23-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

J&K Bank posted strong Q3 FY26 results with net profit up 18.7% QoQ to INR 587 Cr. Credit grew 17.3% YoY, outpacing the system, while deposits rose 10.6% YoY. Net Interest Margin (NIM) for Q3 improved to 3.62%. Asset quality significantly strengthened, with Gross NPA at 3% and Net NPA at 0.68%, nearing year-end targets.

Management reiterated 12% credit growth guidance, focusing on balanced segment and geographic expansion. Cost discipline is evident, with employee costs expected to decline. The bank will strategically raise equity up to INR 750 Cr and Tier 2 capital up to INR 500 Cr to fund future growth, mindful of market conditions. Outlook remains confident on sustained performance and achieving annual profit records.