Jammu and Kashmir Bank Ltd announced that its Managing Director and CEO, Amitava Chatterjee, along with the management team, will hold a conference call with analysts and investors on Thursday, October 22, 2026. The session is scheduled for 4:00 pm IST to discuss the bank's financial performance for the quarter and half-year ended September 30, 2026.

This announcement follows the earlier intimation regarding the Board Meeting date for approving the financial results for Q2FY27 and H1FY27. The conference call will be conducted via digital means, allowing participants to join through pre-registration links provided by the bank's investor relations partners.

Conference Call Details

The event is organized in connection with the release of the bank's results for the period ending September 30, 2026. An audio replay and transcript of the call will be made available on the bank's official website after the event concludes.

Access and Registration

Participants are encouraged to pre-register to avoid wait times during the live session. The call is facilitated by Emkay Global Financial Services Ltd. Dial-in numbers for various international locations, including the US, UK, Singapore, and Australia, have been made available alongside universal access numbers for domestic participants.

For further inquiries regarding the conference call, investors may contact the designated representatives at Emkay Global Financial Services Ltd as listed in the official communication.

Jammu and Kashmir Bank reported a 19.38% year-on-year increase in total business for the second quarter of fiscal 2027 (Q2FY27). The bank’s total business stood at ₹3,10,347 crore as on September 30, 2026, compared to ₹2,59,973 crore in the corresponding period last year.

The intimation filed with the National Stock Exchange of India Limited and The BSE Limited highlights robust growth in gross advances, which expanded by 23.72% to reach ₹1,33,551 crore. This significant jump in lending activity contributed to the overall expansion of the bank's balance sheet during the quarter.

Deposit growth and CASA trends

Total deposits grew by 16.29% year-on-year, reaching ₹1,76,796 crore. While the absolute value of deposits increased, the composition of these deposits shifted notably. Current Account Savings Account (CASA) deposits grew at a slower pace of 6.45% to ₹74,277 crore, lagging behind the overall deposit growth rate.

Consequently, the CASA ratio declined to 42.01% as on September 30, 2026, from 45.89% in the previous year. This represents a contraction of 388 basis points in the share of low-cost deposits within the total deposit base.

Balance sheet overview

The following table summarises the key financial metrics disclosed in the provisional results:

Note: Figures are provisional and subject to audit/review.

What the numbers show

The divergence between advance growth and deposit growth signals a tightening liquidity position. Gross advances grew at 23.72%, significantly outpacing the 16.29% growth in total deposits. This disparity suggests that the bank is deploying capital faster than it is gathering funds, potentially increasing reliance on wholesale funding or reducing the loan-to-deposit ratio cushion. Furthermore, the decline in the CASA ratio to 42.01% indicates that the incremental deposit growth is coming from higher-cost term deposits rather than low-cost savings accounts, which may exert pressure on net interest margins in subsequent quarters.