Financial Results of the Bank for the Quarter and Half Year ended 30th September, 2025
As filed · Outcome of Board Meeting
EarningsMajormateriality 75 out of 100
What happened
FactFinancial Results of the Bank for the Quarter and Half Year ended 30th September, 2025.
Why it matters
CapitSignal interpretationReported results are the point at which prior management commitments become checkable against audited or reviewed numbers.
What management said before
Prior statements by this company that CapitSignal has recorded changing.
Guidance
WithdrawnEarlierQ1 FY27
ROA will be 1.25% plus.
NowQ1 FY27
Credit growth, 12% deposit growth, 10%, CASA 45% NIM around 3.5%, ROA maintaining around 2026 levels, ROE around 16%, GNPA below 2.25%.
Change
FactGuidance withdrawn
Implication
CapitSignal interpretationThe earlier statement provided a specific target for ROA at 1.25% plus, while the current statement no longer specifies a target for ROA, indicating a withdrawal of guidance on that metric.confidence 90%
Watch next
Fact- Margin trend against the prior period
- Cash from operations against reported profit
- Whether prior guidance is reaffirmed
- Deposit growth - 10% (management committed by FY27)
- Credit growth - 12% (management committed by FY27)
Evidence
- The Jammu & Kashmir Bank Limited has informed the Exchange regarding Board meeting held on October 18, 2025.(opens the original filing in a new tab)
- Earlier statement · Q1 FY27
- Latest statement · Q1 FY27
- Earlier statement · Q1 FY27
How CapitSignal classified this
- Reasoning:
- RESULTS base 68; +2 corroborating keywords; +5 quantified amount; matched on subject
- Matched on:
- the filing's own subject line
- Confidence in the event type:
- 90%