<h1>J&K Bank saw Q2 profit fall due to regulatory provisioning, while capital ratios and asset quality remained stable.</h1> J&K Bank reduced reported Q2 profitability due to an additional impairment provision of Rs 92 crore and H1 provisioning of Rs 180 crore for Jammu and Kashmir Grameen Bank; excluding these regulatory-driven provisions H1 profitability would have shown materially stronger year on year growth. Core metrics showed stable NII and NIM at 3.64%, improved asset quality with GNPA around 3.32% and PCR above 90%, and a Capital Adequacy Ratio above 15%, supporting continued business expansion and compliance with supervisory expectations.