Jammu and Kashmir Bank has announced a record annual profit of ₹2,363.47 crore for the financial year 2025-26, representing a 13% increase from the previous year's profit of ₹2,082.46 crore. This marks the fourth consecutive year of record profits for the bank, which also reported its best quarterly profit of nearly ₹800 crore in the fourth quarter, up from ₹584.54 crore a year earlier. Key financial metrics showed a Net Interest Margin of 3.60%, a Return on Assets of 1.37%, and a Return on Equity of 16.85%. The bank's Gross NPA improved significantly to 2.5%, down from 3.37%, while the Net NPA was recorded at 0.64%. The Provision Coverage Ratio remained strong at over 90%, and the Capital to Risk-Weighted Assets Ratio (CRAR) stood at 16.55%. MD & CEO Amitava Chatterjee emphasized the bank's solid position for future growth despite challenges in interest income due to the Reserve Bank of India's (RBI) rate cuts. The bank also highlighted its commitment to corporate social responsibility, having invested nearly ₹100 crore in healthcare, education, and community development over the past three years.