Further rate cuts could pressure NIM
Additional repo rate cuts beyond the 125 bps already delivered could compress NIM, though management expects deposit repricing to offset.
JAMMUANDKASHMIRBANK / Q3-FY26 / risks
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Jammu and Kashmir · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Slow deposit growth may constrain credit expansion
Deposit growth (10.6% YoY) lags credit growth (17.3% YoY), and management flagged that achieving higher credit growth depends on deposit mobilization.
Capital dilution at low valuation concerns shareholders
Analysts raised concerns about raising equity at below-book value, potentially diluting existing shareholders. Management noted the approval is valid for 12 months and they will time the market.
Restructured book may face stress
The special rehabilitation package covered 10,600 borrowers (₹1,400 crore). While management expects these to remain standard, any deterioration could increase credit costs.