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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 (%)
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