Q3-FY26 · Amitav Chhatterji
We are on the brink of achieving our GNPA guidance of below 3% for March 2026 a quarter ahead of schedule with GNPA as on December 31st 2025 recorded at 3%.
JAMMUANDKASHMIRBANK / language trends
Read confidence between the lines.
Jammu and Kashmir · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q3-FY26 · Amitav Chhatterji
I do not intend to go to the market unless I am absolutely ready for it. So please don't be worried about that.
Q3-FY26 · Ketan Kumar Jooshi
We have been able to maintain the margins and I guess 3.64 is maybe one of the highest in the industry.
Q4-FY26 · Amitava Chatar
What sets this achievement apart and makes it more special is the backdrop on in which it has been achieved as FY226 was laced with frequent challenges especially in our core geography of Jammu and Kashmir besides global uncertaintities.
Q4-FY26 · Amitava Chatar
While it may seem like we are underpromising, rest assured that we will strive to overd deliver like we did this year.
Q4-FY26 · Amitava Chatar
If the system grows at 16% I would definitely want to grow more than 16%. And that is given you can take it from me.