J&K Bank FY26 Net Profit Rises 13.5% to ₹2,363 Crore

J&K Bank reported FY26 net profit of ₹2,363.47 crore, a 13.5% YoY increase, with Q4 profit surging 36.5% to ₹797.81 crore.
Deposits grew 11.3% to ₹1,65,354 crore and advances increased 18% to ₹1,22,641 crore, though NIM compressed to 3.60% from 3.92%.
Asset quality improved with Gross NPA ratio declining to 2.50% from 3.37% and Net NPA ratio falling to 0.64% from 0.79% YoY.
The Capital Adequacy Ratio strengthened to 16.55% from 16.29%, with CET-1 at 13.54% and Tier-I at 14.44% as of March 31, 2026.