Jammu & Kashmir Bank Ltd. · NSE:J&KBANK
Jammu & Kashmir Bank — The Jammu & Kashmir Bank — Q1 FY2027 Earnings Presentation
30 slides from Jammu & Kashmir Bank's earnings presentation, Jul 29, 2026
Slide 1: Cover letter to stock exchanges
Jammu and Kashmir Bank Limited Corporate Headquarters T +91 (0)194 248 3775 W www.jkb.bank.in M A Road, Srinagar 190001 F +91 (0)194 248 1928 E board.sectt@jkbmail.com Kashmir, India CIN: L65110JK1938SGC000048 Board Secretariat Ref:-JKB/BS/F3652/2026/090 Date: 29th July, 2026 National Stock Exchange
Slide 2: Investor Presentation for Quarter Ended June 30, 2026
Investor Presentation for Quarter Ended June 30, 2026 1
Slide 3: Disclaimer
Disclaimer The Jammu and Kashmir Bank has created this presentation exclusively for general informational reasons, disregarding any individual's informational demands, financial circumstances, or special goals. Except for the historical information contained herein, statements in this presentation t
Slide 4: Jammu and Kashmir Bank Limited – Oldest Private Sector Bank in India
Jammu and Kashmir Bank Limited – Oldest Private Sector Bank in India • Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938, 303923 and today caters to a wide range of customers including retail, corporate, 290335 (₹ CRORE) 272109 agricultural, and MSME. 252581 259973 130503 124981 •
Slide 5: Journey of 87 Years
Journey of 87 Years 2021-2026 ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG Listing on Stock 2000s Exchanges ▪ Licensed Status ▪ Total Business crossed ₹ 3 trillion at the close of the Bank ▪ Sponsored RRB 1980s June quarter (Q1 FY2026-27) with ₹ 1.73 trillion in Incorporate
Slide 6: Q1 FY2027 Performance at a Glance (YoY)
Q1 FY2027 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality Operating Profit Deposits CET-1 GNPA ₹ 703 crores ₹ 1,73,420 crores 13.91% 2.37% Up 4.5% Up 16.7% (was 12.69%) (was 3.50%) NIM Net Advances Tier I NNPA 3.28% ₹ 1,28,183 crores 0.60% (was 3.72%) 14.
Slide 7: Profit & Loss Account
Profit & Loss Account Q1 Q4 Q1 % Change % Change Particulars FY 2026 FY 2026 FY 2026 FY 2027 YoY QoQ Interest Earned 3,268.27 3,271.67 3,546.00 8.5% 8.4% 13,145.19 Interest Expended 1,802.84 1,784.19 2,048.88 13.6% 14.8% 7,269.42 Net Interest Income 1,465.43 1,487.48 1,497.12 2.2% 0.6% 5,875.77 Othe
Slide 8: Interest Earnings and Advances Mix (Retail, Agri & MSME and Corporate)
Interest Earnings and Advances Mix (Retail, Agri & MSME and Corporate) 3,546 Gross Advances Mix – Jun 30, 2026 3,268 3,292 3,313 3,272 3.9% 3.5% 4.1% 4.0% 4.1% Corporate, 34.03% 20.4% 22.1% 23.3% 22.5% 20.9% RAM, 65.97% 75.7% 74.4% 72.6% 73.5% 75.0% Gross Advances Mix – Mar 31, 2026 Corporate, 32.71
Slide 9: Interest Expenditure and Operating Expenditure
Interest Expenditure and Operating Expenditure 1,041 1,008 2,049 989 4.5% 966 1,803 1,858 1,824 1,784 3.5% 3.8% 836 3.5% 4.4% 36.3% 33.6% 35.4% 33.2% 39.1% 95.5% 96.5% 96.5% 96.2% 95.6% 63.7% 66.8% 66.4% 64.6% 60.9% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Other Interest
Slide 10: Other Income and Provisions & Contingencies
Other Income and Provisions & Contingencies 278 249 Provision and Contingencies 259 Q1 Q4 Q1 % Change % Change 155 214 FY 2026 FY 2026 FY 2026 FY 2027 YoY QoQ 61.5% Provision for Tax 172.91 62.72 195.06 12.8% 211.0% 594.40 77.2% 73.4% 58.9% 101.4% Provision for Bad & Doubtful Debts 33.73 46.17 30.61
Slide 11: Condensed Balance Sheet
Condensed Balance Sheet As on As on As on % Change % Change Particulars YoY QoQ Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Capital & Liabilities Capital 110.13 110.13 110.13 0% 0% Reserves and Surplus 14,670.67 16,639.73 17,138.76 17% 3% Deposits 1,48,541.82 1,65,354.00 1,73,420.33 17% 5% Borrowings 2,3
Slide 12: Key Financial Ratios (Annualized)
Key Financial Ratios (Annualized) Cost of Deposits (%) Cost of Funds (%) 4.86 4.92 4.94 4.87 4.83 4.80 4.69 4.74 4.59 4.47 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Yield on Advances (%) Yield on Investments (%) 9.35 9.20 8.93 6.75 6.71 6.67 6.64 6.60 8.51 8.56 Jun-25 Sep
Slide 13: Key Financial Ratios (Annualized)
Key Financial Ratios (Annualized) Return on Assets (%) Return on Average Net-worth (%) 21.88 1.78 16.48 1.35 14.60 14.37 1.17 1.16 11.11 0.87 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Earnings Per Share (Rs.) 29.38 Book Value Per Share (Rs.) 141.46 136.64 21.31 126.74 17.
Slide 14: Strong presence in JKL Region and increasing presence across India
Strong presence in JKL Region and increasing presence across India Branches in 872 J&K and Ladakh (JKL) Urban, 10.6% Branches 136 outside JKL Semi Urban, Branch Distribution 17.2% Rural, Network 54.2% 1445 ATMs Metro, 18.1% 22 States / UTs Rest of India, Rest of 16.8% India, Gross Advances Total Dep
Slide 15: Improving digital presence
Improving digital presence Bank achieves a digital milestone : More than 94% of the transactions are now digital Credit Card Users Debit Card Users (count in lacs) 157715 52.96 138355 142234 141558 52.22 52.48 130572 51.12 50.08 JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 U
Slide 16: Professionally managed Bank with experienced Board Of Directors
Professionally managed Bank with experienced Board Of Directors Mr. AMITAVA CHATTERJEE (MD & CEO ) Mr. SANKARASUBRAMANIAN KRISHNAN (Part Time Non-Executive Chairman) •Illustrious career in banking spanning over more than three decades in diverse •Veteran Banker with more than 4 decades of experience
Slide 17: Turnaround Story with Decadal High PCR and improvement in asset quality
Turnaround Story with Decadal High PCR and improvement in asset quality Gross & Net NPA (%) Provision Coverage Ratio (%) 3.50 3.32 3.00 2.50 2.37 GNPA 90.46 90.53 90.39 90.33 NNPA 90.09 0.82 0.76 0.68 0.64 0.60 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Gross Slippage Rati
Slide 18: Key Ratios and Performance Indicators
Key Ratios and Performance Indicators Particulars Q1 FY 2026 Q4 FY 2026 Q1 FY 2027 Change YoY Change QoQ Profitability Net Interest Margin (%)-Annualized 3.72 3.52 3.28 (44 bps) (24 bps) Operating Profit 672.84 910.79 703.28 4.5% (22.8%) Profit after Tax 484.84 797.80 424.18 (12.5%) (46.8%) Cost to
Slide 19: Capital Adequacy Ratios
Capital Adequacy Ratios Particulars Jun 30, 2025 Mar 31, 2026 Jun 30, 2026 Capital Adequacy Ratio (%) Risk Weighted Assets 16.55 16.67 15.98 15.27 15.00 Credit Risk 89,231 1,00,536 1,02,334 14.44 14.78 13.68 Market Risk 684 144 194 13.06 12.77 13.54 13.91 Operational Risk 11,360 11,359 12,157 12.69
Slide 20: Asset Quality | Categories of Advances
Asset Quality | Categories of Advances Jun 30, 2025 Jun 30, 2026 Category % of % of Amount Amount Gross Advances Gross Advances Standard 1,00,401 96.5% 127414 97.6% Sub-Standard 520 0.5% 436 0.4% Doubtful 2,466 2.4% 1975 1.5% Loss 652 0.6% 678 0.5% Gross Advances 1,04,039 1,30,503 % of % of Special
Slide 21: Asset Quality | Movement of Gross NPAs
Asset Quality | Movement of Gross NPAs % Change % Change Particulars Q1 FY 2025 Q4 FY 2026 Q1 FY 2027 YoY QoQ Balance at the start of the period 3,604.84 3,487.12 3,124.84 (13.3%) (10.4%) Additions during the period 273.70 202.02 129.96 (52.5%) (35.7%) Upgradations during the period 88.61 67.76 52.3
Slide 22: Sector-Wise Credit Deployment and NPA (As of Jun 30, 2026)
Sector-Wise Credit Deployment and NPA (As of Jun 30, 2026) Sector Gross Advances Exposure (%) Gross NPA GNPA (%) Personal Finance 44,084.17 33.78% 349.75 0.79% Housing Loan 15,073.10 11.55% 150.45 1.00% Auto Loan 6,424.33 4.92% 37.87 0.59% Others 22,586.75 17.31% 161.42 0.71% Financial Markets 24,37
Slide 23: Gross Advances Mix Trend
Gross Advances Mix Trend 1,30,503 1,24,981 88,402 3.6% 1,16,248 4.9% 9.7% 1,04,039 1,07,943 5.0% 9.6% 3.4% 9.0% 10.2% 5.3% 9.3% 10.3% 7.7% 11.0% 10.9% 18.7% 10.9% 16.3% 13.0% 10.9% 10.2% 6.2% 5.9% 6.3% 5.4% 6.3% 19.2% 18.7% 17.8% 20.5% 21.3% 39.1% 38.3% 36.7% 34.7% 33.8% Jun-25 Sep-25 Dec-25 Mar-26
Slide 24: Consistently growing Deposit Base
Consistently growing Deposit Base 1,65,354 1,73,420 1,48,542 1,52,030 1,55,861 54.4% 57.9% 54.3% 54.1% 55.9% 35.9% 36.3% 34.6% 35.1% 32.8% 9.8% 9.6% 9.5% 10.5% 9.3% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Term Deposits 80641 82256 87125 89876 100476 Savings Deposits 53287 55126 53859 58086 56833 Current
Slide 25: Investments Profile
Investments Profile 44,502 42,758 43,250 40,537 40,822 Duration of Investments (In Years) 61.6% 61.9% 64.9% 65.5% 66.7% 3.54 3.45 33.2% 31.4% 3.30 28.6% 30.6% 32.8% 3.21 2.96 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 HTM 26468 27410 26568 27239 28079 Others 621 791 1039 775 742 AFS 14186 13990 11590 12491
Slide 26: Asset Quality | External Rating of Corporate Advances
Asset Quality | External Rating of Corporate Advances (As on June 30, 2026) Outstanding Amount Rating Rating No. of Borrowers (in crores) Percentage % AAA 32 32,761.63 71.8% AA 17 5,674.51 12.4% A 12 1,640.04 3.6% BBB 24 2,472.05 5.4% BB & Below 169 2,740.04 6.0% Unrated Borrowers (to be rated) 4 35
Slide 27: Asset Quality | Restructuring of Advances
Asset Quality | Restructuring of Advances (as on June 30, 2026) STANDARD NPA TOTAL SECTOR BOS PROVISIONS BOS PROVISIONS BOS PROVISIONS SERVICES 695.66 33.55 51.33 44.95 747.00 78.51 TRADE 506.67 26.22 72.76 65.09 579.44 91.31 MANUFACTURING 304.88 15.95 173.74 151.48 478.61 167.44 REAL ESTATE 29.50 1
Slide 28: Awards and recognitions
Honoured with prestigious Awarded by the Credit Guarantee Honoured with Second Bank won the Secured Runner-Up SKOCH ‘Silver Award’ at Fund Trust for Micro and Small Best Performed Bank at prestigious 'Best position in the 'CSR 103rd SKOCH Summit under Enterprises (CGTMSE) for securing the National L
Slide 29: Shareholding Pattern
Shareholding Pattern Shareholding Pattern as on No. of Shares No. of Shares % to % to YoY June 30, 2026 Particulars held as on held as on Capital Capital Change Jun 30, 2026 Jun 30, 2025 Promoters – Governments of UTs of J&K 6.36% 3.82% 65,40,98,280 59.40% 65,40,98,280 59.40% - and Ladakh 2.53% Resi
Slide 30: Thank You
— Commited to EK Bank | Your Bank A Driving Growth a>» Serving To Empower | Since JO3S Delivering Excellence
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