Integrated Financials

Emphasis Of MatterResults View source PDF Explain this filing

J&KBANK · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

-4.1%Reaction day

₹109.10

prior close

₹110.00

announcement price

After-mkt

timing

Nifty Smallcap 250market · index membership as recorded later (tracked since Jun 2026)-1.2%-2.9% vs market

Private Sector Bank peers, median of 19sector-1.1%-3.0% vs sector

On the reaction day the stock moved 2.9 pts less than Nifty Smallcap 250 and 3.0 pts less than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

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10m

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15m

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30m

-0.8

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-4.1-1.2-2.9-1.1-3.0

Next day

-2.8-0.4-2.5-1.1-1.7

-3.7-0.5-3.3-0.9-2.8

-4.5-1.4-3.1-1.6-2.9

-6.6-3.0-3.6-2.7-3.9

-5.4-2.0-3.3-2.7-2.7

-7.1-3.5-3.5-2.7-4.3

15d

-3.4-2.1-1.3-2.4-1.1

-9.0-4.7-4.3-5.4-3.6

-7.4-4.1-3.3-6.6-0.9

-0.4-0.2-0.2+9.6-10.0

UpDownMarket · Nifty Smallcap 250Sector · Private Sector Bank peers, median of 19Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

J&K Bank reported a 16.7% year-on-year rise in standalone net profit to Rs. 484.84 crore for Q1 FY26, up from Rs. 415.49 crore a year ago, supported by a 10.4% growth in total income to Rs. 3,518.57 crore and significantly lower provisions. Capital adequacy ratio improved to 15.98% (from 15.07% YoY), while the gross NPA ratio eased to 3.50% from 3.91% YoY, with a strong provision coverage ratio of 90.09%. Consolidated net profit was Rs. 484.53 crore. The auditors issued an unmodified opinion but flagged three Emphasis of Matter items: a Rs. 139.62 crore disputed payment to SBI over Grameen Bank shareholding, an Rs. 87.47 crore impairment in the bank's investment in J&K Grameen Bank (up from Rs. 48.89 crore), and a Rs. 28.08 crore reserve transfer following C&AG comments. The auditor panel also saw a change, with Dhar Tiku & Co replacing Lunawat & Co.

Likely market impact

Steady profit growth and improving asset quality are positives for shareholders, but the auditor-flagged issues around the Grameen Bank investment impairment and the SBI shareholding dispute may keep governance concerns in focus and could weigh on near-term sentiment.