Q4 2026 Jammu and Kashmir Bank Ltd Earnings Call Transcript
(audio in progress) -- as we have fulfilled our promise and delivered a fourth consecutive year of record annual profitability, hosting a net profit of INR2,363 crores for the financial year.
What sets this achievement apart and makes it more special is the backdrop in which it has been achieved as FY25-'26. Was laced with frequent challenges, especially in our core geography of Jammu and Kashmir, besides global uncertainties.
The ability to sustain the trajectory in this challenging environment is a reflection of a structurally stronger and a resilient franchise that has been built over a period of time, along with the adaptability of our business model.
Besides ending the year with the highest-ever annual net profit, we have also ended the financial year with a record quarterly performance, posting a net profit of almost INR800 crores, recording a 36% Q-on-Q growth.
We are also pleased to have been able to broadly deliver on our market guidance,
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