The Jammu & Kashmir Bank Limited (J&K Bank) announced its financial results for the quarter and nine months ended December 31, 2025. The bank reported a Net Profit of ₹586.73 crore for Q3 FY2026, marking a significant increase of 10.4% compared to ₹531.51 crore in the same quarter of the previous fiscal year.

For the nine-month period ended December 31, 2025, the Net Profit stood at ₹2,082.46 crore. The bank's Operating Profit also saw a healthy growth of 4.3% year-on-year, reaching ₹780.25 crore in Q3 FY2026.

Key performance indicators show improvement in asset quality, with Gross NPA at 3.00% and Net NPA at 0.68% as of December 31, 2025, compared to 4.08% and 0.94% respectively in the prior year. The Provision Coverage Ratio (PCR) improved to 90.46% from 89.67%.

Deposits grew by 10.6% to ₹1,55,861 crore, while Gross Advances increased by 17.3% to ₹1,16,248 crore. The Net Interest Margin (NIM) was reported at 3.62% (annualized).

The bank also highlighted its strong capital adequacy, with CRAR at 15.00% and Tier I Capital at 12.77%. J&K Bank continues to focus on expanding its footprint outside Jammu and Kashmir and enhancing its digital presence, with over 93% of transactions now digital.