J&K Bank Q1 FY27 PAT falls 12.5% to Rs.424 cr
J&KBANK · price
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On the reaction day the stock moved 14.1 pts less than Nifty Smallcap 250 and 13.0 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.
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J&K Bank posted Q1 FY27 standalone net profit of Rs.424.18 cr, down 12.5% from Rs.484.84 cr a year ago. Total income grew 6.9 percent to Rs.3,760 cr. Gross NPAs improved to 2.37 percent from 3.50 percent, and Capital Adequacy Ratio rose to 16.67 percent from 15.98 percent. A change in PSLC accounting policy boosted PAT by Rs.56.29 cr. Auditors flagged Emphasis of Matter on the policy change and Rs.263.63 cr transfer from Investment Fluctuation Reserve to General Reserve. The bank reported 6 fresh fraud cases worth Rs.7.44 cr.
Mixed quarter - lower profits but improving asset quality and stronger capital. Policy change flatters near-term PAT by about Rs.56 cr.