Srinagar, May 6 -- Jammu and Kashmir Bank posted its highest-ever annual profit of Rs.2,363.47 crore for 2025-26 financial year, marking a 13% year-on-year rise from Rs.2,082.46 crore in financial year 2024-25. The bank, which declared the annual results here on Tuesday, said it was for the fourth consecutive financial year that the premier financial institute of Jammu and Kashmir posted record profits. The bank also recorded its best-ever quarterly profit of nearly Rs.800 crore in Q4, up from Rs.584.54 crore a year ago. The board approved the results on Tuesday at the bank's corporate headquarters. According to bank figures the Net Interest margin stood at 3.60%, return on assets rose to 1.37%, and Return on Equity was 16.85%. Gross NPA fell sharply to 2.5% from 3.37% last year, while Net NPA stood at 0.64%. Provision Coverage Ratio remained strong at over 90% and CRAR at 16.55%. The cost-to-income ratio improved to 56.18%. MD & CEO Amitava Chatterjee said, "With historic profits, GNPA at 2.5%, PCR above 90%, and CRAR over 16.50%, our bank is well-positioned to accelerate the next phase of growth." He added that RBI's 125-bps rate cuts in 2025 and deposit competition muted interest income growth, which rose marginally to Rs 5,875.77 Cr. Chatterjee said the bank will consider raising capital this year ahead of ECL norms from April 1, 2027. On CSR, he noted the bank deployed nearly Rs.100 Cr over three years in healthcare, education, and community development....