The Jammu & Kashmir Bank Limited — Investor Meet, 29-07-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Jammu and Kashmir Bank's latest investor brief highlights robust performance for the quarter ended June 30, 2026. The bank recorded a Rs.703 crore operating profit (up 5% YoY) and Rs.424 crore net profit. Deposits grew 16.75% and advances 25.44% YoY, outpacing system growth and crossing the Rs.3 trillion business mark. Asset quality improved with GNPA at 2.37% and NNPA at 0.60%. While NIM compressed to 3.28% due to funding costs, the bank maintains a dominant market share in J&K/Ladakh and diversified business to 26% from Rest of India. Management is confident about future profitability from an improving economic environment and strategic initiatives.