The Jammu & Kashmir Bank Limited — Q2FY27 earnings call summary

Filed 27 October 2026 · Official transcript

Revised FY27 guidance: credit growth 14%+, deposit growth 12%+, CASA 42%+, NIM and RoA to improve, GNPA below 2%
Operating profit INR789 crores for Q2, +27% Y-o-Y; Cost-to-Income ratio improved to 56.57%
Total business grew 19.4% Y-o-Y to INR3.10 lakh crores as of Sep 30, 2026
Credit growth driven by Retail, Agriculture, MSME (RAM) with 60%+ net incremental credit from RAM
Asset quality improved: GNPA 2.23%, NNPA 0.51%, PCR 91.76%; Gross slippages halved Y-o-Y