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    <title>J&amp;K Bank profit rises 17 pc to Rs 485 crore in Apr-June</title>
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    <description>Jammu and Kashmir Bank&#039;s quarterly profit rose year-on-year on higher net interest and other income, though Net Interest Margin contracted amid policy rate cuts and a one-time impairment provision for an investment in a regional rural bank reduced reported earnings and affected ROA/ROE; excluding that charge management asserts profitability growth would be materially higher. The bank maintains a comfortable capital adequacy buffer, strong NPA coverage, falling GNPA/NNPA, and plans to support credit growth through targeted lending, operational expansion, and digital tools.</description>
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