The Jammu & Kashmir Bank Limited — Investor Meet, 08-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Jammu & Kashmir Bank reported strong Q4 & FY26 results, achieving a fourth consecutive year of record annual net profit at INR 2,363 Cr and quarterly net profit of INR 800 Cr (up 36% QoQ). Business grew 13.6%, driven by 16.8% gross advances and 11.3% deposits. Asset quality improved significantly with GNPA at 2.50% and NNPA at 0.64%. The bank's strategy focuses on geographical diversification and retail loan growth for improved yields. For FY27, management's conservative outlook includes 12% credit growth, 10% deposit growth, and maintaining RoA/RoE around current levels, with Gross NPA below 2.25%. The bank aims to over-deliver, signaling confidence in its future performance.