J&K Bank
Mid/Small Private · NSE J&KBANK · Market cap ₹16,270
Latest FY FY2026
Loan growth
17.7%
Deposit growth
11.3%
NIM
3.3%
9th pctile
ROA
1.3%
ROE
15.1%
Gross NPA
2.4%
28th pctile
P/B
0.81x
80th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 17.7% | 17.7% | 0.0pp | — |
| Deposit growth | 11.3% | 13.4% | -2.0pp | — |
| CASA | 42.1% | 32.7% | +9.4pp | 39th |
| NIM | 3.3% | 3.6% | -0.3pp | 9th |
| ROA | 1.3% | 1.1% | +0.3pp | — |
| ROE | 15.1% | 12.4% | +2.7pp | — |
| Gross NPA | 2.4% | 1.9% | +0.5pp | 28th |
| Credit cost | 0.6% | 1.3% | -0.7pp | — |
| Cost/income | 58.9% | 55.1% | +3.8pp | — |
| CRAR | 16.7% | 18.9% | -2.2pp | — |
| P/B | 0.81x | 1.07x | -0.3pp | 80th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Capital to Risks Assets Ratio (CRAR) at 16.67 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Fresh Slippages - Quarterly at 129.96 — 8th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Fresh Slippages - Quarterly -52.5% YoY to 129.96 · abs(yoy)>=15%
- ▲Gross NPA -32.3% YoY to 2.37 · abs(yoy)>=15%
- ▼Net Interest Margin at 3.28 — 9th percentile of its own history (multi-year low) · hist_percentile<=10