Serving To Empower

Sector-Wise Credit Deployment and NPA (As of Dec 31, 2023) Sector Gross Advances Exposure (%) Gross NPA GNPA (%) Personal Finance Trade 36,042 39 312.71 0.87 11,597 12 883.54 7.62 Agriculture Services Manufacturing Infrastructure 8,534 9 538.03 6.30 8,617 9 863.57 10.02 7,417 8 829.51 11.18 6,403 7 277.88 4.34 Financial Markets 11,340 12 625.23 5.51 Real Estate 1,311 1 184.29 14.06 Against Cash Collaterals 1,506 2 0.79 0.05 Others 770 1 10.92 1.42 Total 93,538 100 4,526.48 4.84 J&K Bank Serving To Empower All figures, other than percentage, in crore 28

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