Jammu & Kashmir Bank Ltd. · NSE:J&KBANK
Jammu & Kashmir Bank — The Jammu & Kashmir Bank — Q2 FY2027 Earnings Presentation
30 slides from Jammu & Kashmir Bank's earnings presentation, Oct 22, 2026
Slide 1: Exchange filing cover letter for conference call presentation
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/F3652/2026/171 Date: 22nd October, 2026 National Stock Excha
Slide 2: Investor Presentation for Quarter & Half Year Ended September 30, 2026
Investor Presentation for Quarter & Half Year Ended September 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, 310347 303923 and today caters to a wide range of customers including retail, corporate, 290335 (₹ CRORE) 272109 agricultural, and MSME. 259973 130503 133551 12
Slide 5: Journey of 88 Years
Journey of 88 Years 2021-2026 ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG Listing on Stock Exchanges 2000s Bank ▪ Licensed Status ▪ Total Business crossed ₹ 3 trillion in Q1 FY2026-27. ▪ Sponsored RRB 1980s Incorporated 2010-2020 ▪ Record profit for four consecutive years
Slide 6: Q2 FY2027 Performance at a Glance (YoY)
Q2 FY2027 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality Net Profit Deposits CET-1 GNPA ₹ 546 crores ₹ 1,76,796 crores 13.88% 2.23% Up 10.6% Up 16.3% (was 12.11%) (was 3.32%) NIM Net Advances Tier I NNPA 3.17% ₹ 1,31,234 crores 0.51% (was 3.56%) 14.73% U
Slide 7: Profit & Loss Account
Profit & Loss Account Q2 Q1 Q2 % Change % Change H1 H1 % Change Particulars FY 2026 FY 2026 FY 2027 FY 2027 YoY QoQ FY 2026 FY 2027 YoY Interest Earned 3,291.82 3,546.00 3,727.09 13.2% 5.1% 6,560.09 7,273.09 10.9% 13,145.19 Interest Expended 1,857.83 2,048.88 2,224.78 19.8% 8.6% 3,660.67 4,273.66 16
Slide 8: Interest Earnings and Advances Mix
Interest Earnings and Advances Mix (Retail, Agri & MSME and Corporate) 3,727 3,546 4.0% Gross Advances Mix – Sep 30, 2026 3,313 3.9% 3,292 3,272 4.1% 4.0% 4.1% 20.5% 20.4% Corporate, 33.16% 23.3% 22.5% 20.9% RAM, 66.84% 75.7% 75.5% 72.6% 73.5% 75.0% Gross Advances Mix – Jun 30, 2026 Corporate, 34.03
Slide 9: Interest Expenditure and Operating Expenditure
Interest Expenditure and Operating Expenditure 2,225 2,049 5.1% 1,008 1,028 989 965 4.5% 1,858 1,824 3.5% 1,784 3.8% 836 4.4% 37.0% 33.6% 35.4% 32.8% 39.1% 94.9% 95.5% 96.5% 96.2% 95.6% 67.2% 66.4% 64.6% 63.0% 60.9% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Other Interest
Slide 10: Other Income and Provisions & Contingencies
Other Income and Provisions & Contingencies 315 Provision and Contingencies 278 Q2 Q1 Q2 % Change % Change 259 FY 2026 FY 2026 FY 2027 FY 2027 YoY QoQ 153 47.2% 214 Provision for Tax 139.44 195.06 170.44 22.2% (12.6%) 594.40 61.5% 73.4% Provision for Bad & Doubtful Debts 3.95 30.61 83.05 2002.5% 171
Slide 11: Condensed Balance Sheet
Condensed Balance Sheet As on As on As on % Change % Change As on Particulars YoY QoQ Sep 30, 2025 Jun 30, 2026 Sep 30, 2026 Mar 31, 2026 Capital & Liabilities Capital 110.13 110.13 110.13 0% 0% 110.13 Reserves and Surplus 15,069.69 17,138.76 17,672.46 17% 3% 16,639.73 Deposits 1,52,030.16 1,73,420.
Slide 12: Key Financial Ratios (Annualized)
Key Financial Ratios (Annualized) Cost of Deposits (%) Cost of Funds (%) 4.86 4.69 4.74 4.85 4.94 4.80 4.87 4.95 4.47 4.59 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Yield on Advances (%) Yield on Investments (%) 9.20 8.93 6.71 6.67 6.64 8.51 8.56 8.55 6.60 6.58 Sep-25 Dec
Slide 13: Key Financial Ratios (Annualized)
Key Financial Ratios (Annualized) Return on Assets (%) Return on Average Net-worth (%) 1.78 21.88 1.35 16.48 1.16 14.37 13.68 1.07 11.11 0.87 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Earnings Per Share (Rs.) Book Value Per Share (Rs.) 146.27 141.46 29.38 136.64 21.31 19.
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 Semi 136 outside JKL Urban, 17.2% Branch Distribution Rural, Network 54.2% 1445 ATMs Metro, 18.1% 22 States / UTs Rest of India, 15.8% Rest of Gross Advances Total Deposits I
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) 182035 157715 53.99 138355 142234 141558 52.48 52.96 52.22 51.12 SEP-25 DEC-25 MAR-26 JUN-26 SEP-26 SEP-25 DEC-25 MAR-26 JUN-26 SEP-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 •Veteran Banker with more than 4 decades of experience, including tenures as •Illustrious career in banking spanning over more than thr
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 (%) 3.32 3.00 GNPA 2.50 2.37 2.23 91.76 NNPA 90.39 90.46 90.33 90.53 0.76 0.68 0.64 0.60 0.51 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Gross Slippage Rati
Slide 18: Key Ratios and Performance Indicators
Key Ratios and Performance Indicators Particulars Q2 FY 2026 Q1 FY 2027 Q2 FY 2027 Change YoY Change QoQ H1FY 2026 H1FY 2027 Change YoY FY 2026 Profitability Net Interest Margin (%)-Annualized 3.56 3.28 3.17 (39 bps) (11 bps) 3.64 3.22 (42 bps) 3.60 Operating Profit 622.62 703.28 789.14 26.7% 12.2%
Slide 19: Capital Adequacy Ratios
Capital Adequacy Ratios Particulars Sep 30, 2025 Jun 30, 2026 Sep 30, 2026 Mar 31, 2026 Capital Adequacy Ratio (%) Risk Weighted Assets Credit Risk 93,250 1,02,334 1,05,344 1,00,536 Market Risk 577 194 150 144 16.55 16.67 16.57 Operational Risk 11,360 12,157 12,157 11,359 15.27 15.00 14.78 14.73 14.
Slide 20: Asset Quality | Categories of Advances
Asset Quality | Categories of Advances Sep 30, 2025 Sep 30, 2026 Category % of % of Amount Amount Gross Advances Gross Advances Standard 1,04,357 96.68% 1,30,568 97.77% Sub-Standard 529 0.49% 363 0.27% Doubtful 2,402 2.22% 1,948 1.46% Loss 654 0.61% 672 0.50% Gross Advances 1,07,943 1,33,551 % of %
Slide 21: Asset Quality | Movement of Gross NPAs
Asset Quality | Movement of Gross NPAs % Change % Change H1 H1 % Change Particulars Q2 FY 2026 Q1 FY 2027 Q2 FY 2027 FY 2026 YoY QoQ FY 2026 FY 2027 YoY Balance at the start of the period 3,638.19 3,124.84 3,088.94 (15.1%) (1.1%) 3,604.84 3,124.84 (13.3%) 3,604.84 Additions during the period 237.44
Slide 22: Sector-Wise Credit Deployment and NPA
Sector-Wise Credit Deployment and NPA (As of Sep 30, 2026) Sector Gross Advances Exposure (%) Gross NPA GNPA (%) Personal Loans 45,485.90 34.06% 341.52 0.75% Housing Loan 15,471.07 11.58% 147.29 0.95% Auto Loan 6,729.62 5.04% 35.65 0.53% Others 23,285.21 17.44% 158.58 0.68% Financial Markets 25,309.
Slide 23: Gross Advances Mix Trend
Gross Advances Mix Trend 88,402 1,33,551 1,30,503 1,24,981 3.6% 3.9% 1,16,248 4.9% 9.7% 9.2% 1,07,943 5.0% 9.6% 3.4% 10.2% 10.7% 9.0% 9.3% 10.3% 11.0% 10.9% 18.7% 19.0% 16.3% 10.9% 13.0% 5.4% 6.2% 6.0% 5.9% 6.3% 19.2% 18.7% 17.8% 17.1% 21.3% 38.3% 36.7% 34.7% 33.8% 34.1% Sep-25 Dec-25 Mar-26 Jun-26
Slide 24: Consistently growing Deposit Base
Consistently growing Deposit Base 1,73,420 1,76,796 1,52,030 1,55,861 1,65,354 54.4% 57.9% 58.0% 54.1% 55.9% 36.3% 34.6% 35.1% 32.8% 32.7% 9.6% 9.5% 10.5% 9.3% 9.3% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Term Deposits 82256 87125 89876 100476 102589 Savings Deposits 55126 53859 58086 56833 57797 Current
Slide 25: Investments Profile
Investments Profile 45,940 44,502 43,250 40,537 40,822 Duration of Investments (In Years) 61.6% 66.4% 64.9% 65.5% 66.7% 1.8% 1.7% 1.9% 2.6% 1.9% 31.4% 28.6% 30.6% 32.8% 31.5% 3.54 3.30 3.21 2.96 2.97 5.2% 3.3% 0.8% 0.5% 0.2% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 HTM 27410 26568 27239 28079 30490 Others
Slide 26: Asset Quality | External Rating of Corporate Advances
Asset Quality | External Rating of Corporate Advances (As on Sep 30, 2026) Rating Rating No. of Borrowers BOS Percentage % AAA 38 35,875.44 74.7% AA 19 5,958.22 12.4% A 13 1,484.91 3.1% BBB 31 2,118.79 4.4% BB & Below 175 2,338.28 4.9% Unrated Borrowers (to be rated) 4 266.77 0.6% Total Eligible for
Slide 27: Asset Quality | Restructuring of Advances
Asset Quality | Restructuring of Advances (as on Sep 30, 2026) STANDARD NPA TOTAL SECTOR BOS PROVISIONS BOS PROVISIONS BOS PROVISIONS Services 671.21 32.31 45.59 39.83 716.80 72.14 Trade 487.57 25.01 59.34 52.90 546.91 77.90 Manufacturing 319.86 16.71 167.73 146.81 487.58 163.51 Real Estate 28.03 1.
Slide 28: Recent Awards & Accolades
RECENT AWARDS & ACCOLADES Awarded by the Credit Guarantee Honoured with Second Best Bank won the Honoured with the ‘Best Honoured with prestigious Fund Trust for Micro and Small Performing Bank at National prestigious 'Best Corporate Social SKOCH ‘Silver Award’ at Enterprises (CGTMSE) for securing t
Slide 29: Shareholding Pattern
Shareholding Pattern No. of Shares No. of Shares Shareholding Pattern as on % to % to YoY Particulars held as on Capital held as on Capital Change September 30, 2026 Sep 30, 2026 Sep 30, 2025 Promoters – Governments of UTs of J&K 6.35% 65,40,98,280 59.40% 65,40,98,280 59.40% - 3.19% and Ladakh 2.10%
Slide 30: Thank You
7, \ TRUST Trusted by Generations TRADITION So EK Bank ore i9) K> TRENT =a vy Serving ToEmpower | Since JO3S IN Transforming for Tomorrow Thank You 29
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