J&K Bank MD on Margin Recovery, NPA Drop & FY26 Outlook | Amitava Chatterjee | Business　 #ETNOW

J&K Bank MD & CEO Amitava Chatterjee shares exclusive insights on the bank’s performance and outlook. He expects margins to recover by 5–7 basis points in Q3, maintaining FY26 guidance at 3.6–3.7%. With credit growth at 12% and deposit growth at 10%, the bank’s expansion beyond Jammu & Kashmir is gaining traction. Chatterjee highlights strong asset quality with credit cost below 1% and NPAs likely to fall below 3% by March 2026. Despite a one-time impact from a regional bank merger, profitability is expected to strengthen in H2.

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