AUDITED FINANCIAL RESULTS (STANDALONE & CONSOLIDATED) OF THE BANK FOR THE QUARTER AND FINANCIAL YEAR ENDED 31ST MARCH, 2026
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Jammu & Kashmir Bank reported standalone net profit of Rs 2,363.47 crores for FY26, up 13.5% from Rs 2,082.45 crores in FY25. Net interest income grew to Rs 13,145.20 crores from Rs 12,535.86 crores. Total income stood at Rs 14,065.05 crores. EPS improved to Rs 21.42 from Rs 18.91. Asset quality improved with gross NPA reducing to 2.50% from 3.37% and net NPA to 0.64% from 0.79%. Capital adequacy ratio improved to 16.41% with CET1 ratio at 13.38%. Return on assets improved to 1.78% from 1.44%. The auditors issued an unmodified opinion. Emphasis of matter includes Rs 228.65 crore impairment provision on Rs 345.92 crore investment in associate J&K Grameen Bank, and Rs 46.08 crore recoverable from government under Ladli Beti Scheme.
The bank delivered healthy profit growth with improved asset quality and stronger capital position. Reduction in NPAs and better margins are positive for shareholders. The impairment on Grameen Bank investment and prior period adjustments noted by auditors are material but did not qualify the opinion.