J&K Bank FY26 results: PAT up 13.5% to Rs 2,363 cr; NPA ratio improves
J&KBANK · price
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On the reaction day the stock moved 1.2 pts more than Nifty Smallcap 250 and 1.1 pts more than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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J&K Bank FY26 standalone net profit rose 13.5% to Rs 2,363 cr from Rs 2,082 cr. Net income from operations grew to Rs 14,065 cr. Total business reached Rs 2.88 lakh cr with deposits at Rs 1.65 lakh cr and advances at Rs 1.23 lakh cr. Gross NPA ratio improved to 2.50% from 3.37%. Auditors flagged Emphasis of Matter on Rs 228.65 cr impairment of associate J&K Grameen Bank, Rs 46 cr recoverable from government under Ladli Beti scheme, and deferred tax asset recognition matters. Capital adequacy stands at 16.55%.
Profit growth and NPA improvement are positives; Rs 228 cr associate impairment and auditor emphasis of matter items need watching.