Net interest income (NII) remained largely stable at Rs 1,487.48 crore in Q4 FY26, up 0.5% compared with Rs 1,479.99 crore in Q4 FY25. Net interest margin contracted to 3.52% as on 31st March 2026 compared with Rs 3.88% as on 31st March 2025.
Total deposits jumped 11.3% to Rs 165,354 crore as on 31st March 2026 compared with Rs 148,569 crore as on 31st March 2025. Gross advances stood at Rs 124,981 crore as on 31st March 2026.
CASA deposits also grew steadily by 8.07% YoY to Rs 75,478 crore as on 31st March 2026, with CASA Ratio increasing to 45.65% in Q4 FY26 from 44.10% recorded last quarter.
Asset quality improved significantly during the quarter. The bank's Gross non-performing assets (NPA) ratio declined sharply by 50 bps to 2.5% as on 31st March 2026, from 3% as on 31st December 2025 and 3.37% as on 31st March 2025, while the Net NPA ratio stood at 0.64% as on 31st March 2026. The Provision Coverage Ratio (PCR) also remains strong at over 90%, underscoring the bank's focus on prudential provisioning.
The Bank's CRAR stood at 16.55% as on March 31, 2026
On full year basis, the company's standalone net profit increased 13.49% to Rs 2,363.48 crore on 3.06% increase in total income to Rs 14,085.05 crore in FY26 over FY25.
MD & CEO Amitava Chatterjee said, 'Going forward, we remain focused on leveraging emerging opportunities across geographies in rest of the country while deepening our presence in core markets of J&K and Ladakh. The strategic thrust continues to be on expanding retail lending, supporting MSMEs and enhancing credit flow to the agriculture sector.'
J&K Bank offers banking services under the three major divisions as support services, depository services, and third-party services.
The counter added 2.28% to end at Rs 134.65 on the BSE.
Powered by Capital Market - Live News
Beware of fraudulent tips, unauthenticated news and advice on stock market.
At BOB Capital, your account security is our topmost priority. Beware of receiving fraudulent communications, unauthenticated trading tips and unsolicited calls on trading in stocks from unverified sources, received through Whatsapp, Telegram, SMS, Calls, etc and take an informed decision before investing.
What should you do if you receive a trading tip over phone or SMS?
Report unsolicited messages to the Stock Exchange on +91 8291833676 or on designated email id i.e. feedbk_invg@nse.co.in. Please visit here to understand better.
Please visit CVC website at pledge.cvc.nic.in and take "Integrity Pledge" to be an active part of the "Satark Bharat, Samriddh Bharat" (Vigilant India, Prosperous India).
Filing complaints on SCORES - Easy & quick: a. Register on SCORES portal scores.sebi.gov.in/ b. Mandatory details for filing complaints on SCORES are i. Name, PAN, Address, Mobile Number, E-mail ID. c. Benefits: i. Effective communication ii. Speedy redressal of the grievances.
Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: