Shares of Jammu & Kashmir Bank fell around 8% despite the lender reporting double-digit net profit growth in the September quarter. Concerns over the proposed Expected Credit Loss (ECL) provisioning framework and the sustainability of earnings growth weighed on investor sentiment. J&K Bank's September-quarter profit rose 10.6% year on year, but questions over the ECL provisioning impact and modest NII growth remain in focus. Management expects margins to improve over the.