J&KBANK J & K Bank Q1 FY27 results (Apr–Jun 2026) and concall
J & K Bank reported a mixed Q1 FY27, with strong business growth (deposits up 16.75% YoY, advances up 25.44% YoY) and improved asset quality (GNPA 2.37%, NNPA 0.60%). However, net profit declined to INR424 crores from the prior year, primarily due to subdued other income from recoveries and NIM compression to 3.28%. Management attributed this to a strategic, opportunistic lending approach in a challenging environment, with expectations for NIM and profitability to normalize in subsequent quarters as retail growth picks up.
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What they filed
Q1 FY27: revenue up 8.5%, net profit down 12.6% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|
| Revenue | 3,206 | 3,212 | 3,268 | 3,292 | 3,313 +3% | 3,272 +2% | 3,546 +9% |
| Net profit | 532 | 585 | 485 | 494 | 587 +10% | 798 +36% | 424 −13% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
