The Jammu & Kashmir Bank Limited has informed the Exchange about Link of Recording
J&KBANK · price
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Awaiting price reaction for this filing.
J&K Bank reported a record FY25 net profit of Rs. 2,082 crores, up 17.8% YoY (37% excluding a one-off gratuity reversal in FY24), with operating profit at Rs. 2,930 crores growing 28.7% YoY. Q4 net profit stood at Rs. 585 crores, up 10% QoQ. Deposits grew 10.2% and advances 11.1%, slightly below credit growth guidance but in line with industry averages. Key ratios remained strong: NIM at 3.92%, RoA at 1.32%, RoE at 17.37%, CASA at 47.01%, GNPA at 3.37%, NNPA at 0.79%, and Capital Adequacy at 16.29%. The Board declared a 215% dividend. Management guided FY26 NIM at 3.70–3.80%, lower than FY25's 3.92%, signaling expected margin compression, with credit growth guided at 12% and deposit growth at 10%.
Strong FY25 results and continued profitability momentum are positives, but the lower NIM guidance (3.70–3.80% vs 3.92% in FY25) suggests margin pressure ahead. The hint of potential debt and equity capital raising and the mention of leadership transition may be near-term overhangs, though solid asset quality and consistent dividends offer support to shareholders.