J&KBANK J & K Bank Q3 FY26 results (Oct–Dec 2025) and concall
J & K Bank delivered a strong Q3 FY26, marked by robust advances growth of 17.3% YoY and a significant 18.7% QoQ increase in net profit to INR587 crores. Asset quality continued to improve with GNPA at 3% and NNPA at 0.68%, supported by a PCR above 90%. While NIMs showed a 6 bps QoQ improvement to 3.62%, deposit growth lagged, leading to a decline in CASA ratio and prompting a revised credit growth guidance of 12-15%. The bank has approved raising INR750 crores in equity and INR500 crores in Tier 2 capital to support future growth, despite analyst concerns about valuation.
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What they filed
Q3 FY26: revenue up 3.3%, net profit up 10.3% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 3,206 | 3,212 | 3,268 | 3,292 | 3,313 +3% |
| Net profit | 532 | 585 | 485 | 494 | 587 +10% |
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.
