Investor Presentaiton
J&K Bank - Brief Financial Profile
INR Million
J&K Bank
Particulars
FY 2020-21
Capital
713.6
Reserves
67542.5
Deposits
1080611.5
Advances
668417.3
Investments
308142.4
Total Assets
1202919.5
Q1'2022
713.6
68585.7
1056888.9
667795.2
300749.2
1183476.5
Total Income
88300.8
22114.8
Q2'2022
933.0
76342.1
1062673.5
683418.4
273729.4
1198304.9
22012.6
Operating Expenses
28785.4
7921.2
8566.0
Net Profit
4321.2
1043.2
1110.9
1739.5
Gross NPA
69547.5
69637.3
65248.7
65088.0
Net NPA
19693.3
19651.7
20636.5
20677.6
Gross NPA %
9.67
9.69
8.95
8.93
Q3'2022
933.0
933.0
78081.6
78081.6
1092984.0 1092984.0
683659.4 683659.4
295245.1 295245.1
1238094.0 1238094.0
21759.8
65887.3
8343.2
24830.4
3893.6
65088.0
20677.6
8.93
9 Months
Geographic Distribution (Dec'2021)
Region
J&K UT
Rest of India
Total
Gross
Advances
532968.4
195953.2
728921.6
Advances %
73%
27%
100%
Deposits
964773.3
128210.7
1092984.0
Deposit %
88%
12%
100%
Net NPA %
2.95
2.94
3.02
3.02
3.02
Branches
811
163
974
NPA Coverage Ratio
81.97
82.00
81.57
81.45
81.45
(%)
Branch %
83%
17%
100%
NIM %
3.64
3.62
3.65
3.74
3.67
Return on Assets %
0.38
0.09
0.09
0.57
0.43
ATMs
1247
147
1394
Capital Adequacy
12.20
12.01
12.80
12.38
12.38
Ratio %
ATM %
89%
11%
100%
Cost to Income
64.11
66.55
72.34
72.58
70.46
Ratio (%)View entire presentation