Archive · 25 Jul 2025
J&K Bank Q1 Profit Climbs 17% to ₹484.84 Crore
J&K Bank announced its financial results for the first three months of the year, showing a rise in profits.
The bank made more money from interest and other sources, and saw increases in deposits and loans given out.
Despite some challenges, the bank's financial health improved, with a strong capital buffer.
The bank is aiming for further growth and focusing on different areas for business.
J&K Bank's net profit increased 16.7% to ₹484.84 crore in Q1 FY26.
Net Interest Income rose 7% to ₹1,465.43 crore.
Other income jumped 29% to ₹250.30 crore.
Deposits grew 12% to ₹14,8542 crore, and net advances rose 6.06% to ₹1,01,230 crore.
Gross NPA reduced to 3.50% and Capital Adequacy Ratio stood at 15.98%.
- Who
- Jammu and Kashmir Bank.
- What
- J&K Bank reported a 16.7% increase in net profit for the April-June quarter of FY26.
- When
- The financial results cover the period from April to June 2025.
- Where
- The bank operates in Jammu and Kashmir.
- Why
- The bank is reporting its financial performance to shareholders and the public.
Factors impacting profitability
Profitability
Impact of External Factors on Profitability
Factors impacting profitability
Despite the challenging economic environment with the terror attack and its aftermath, the bank still grew by around 17%.
Profitability
The bank's profitability in Q1 is subdued on account of impairment provision made towards investment in the RRB – Jammu and Kashmir Grameen Bank.
- Net Profit (Q1 FY26)
- ₹484.84 crore
- Net Interest Income (YoY)
- ₹1,465.43 crore (+7%)
- Other Income (YoY)
- ₹250.30 crore (+29%)
- Deposits
- ₹14,8542 crore (+12%)
- Net Advances
- ₹1,01,230 crore (+6.06%)
- Gross NPA
- 3.50%
- Capital Adequacy Ratio
- 15.98%
Sources
Canara Bank’s Q1 net profit climbs 22% in Q1 to ₹4,752 crore; NII dips
Karur Vysya Bank announces bonus issue, net profit up 13.5% in Q1FY26
REC clocks highest-ever quarterly profit of Rs 4,451 crore
At ₹2,973 cr, Indian Bank’s profit up 24% in Q1 FY26; asset quality improves
