<h1>Bank profit trend shows mixed quarterly results with income growth, improved asset quality and strategic geographic diversification.</h1> Jammu & Kashmir Bank's quarterly net profit fell year-on-year while total income and non-interest income rose and expenses increased due to higher employee costs. For the full year the bank achieved strong profit growth and double-digit advances and deposits growth. Asset quality improved with a lower gross NPA ratio and net NPAs below one percent. Management highlighted geographic diversification, growth outside core territories, and a maintained CASA ratio supporting a balanced funding mix.