The Jammu & Kashmir Bank Limited — Results, 29-07-2026: Integrated Filing- Financial

J&K Bank reported total income of ₹3,764.96 Cr for the quarter ended June 30, 2026, a 6.92% YoY increase. Corporate/Wholesale Banking showed strong revenue growth. Net profit decreased 12.29% YoY to ₹425.32 Cr, with EPS at ₹3.89, down from ₹4.40. Notably, an accounting policy change increased this quarter's profit by ₹56.29 Cr. Higher provisions for bad loans significantly impacted overall profit despite a slight decrease in operating expenses. Asset quality improved, with Gross NPAs at 2.37% and Net NPAs at 0.60%. The results reflect mixed financial momentum, showing revenue growth and improved asset quality, but a decline in reported profit influenced by higher provisions.