Investor Presentaiton
Loans & Advances - NPAs
Non-Performing Assets - Movement
INR Million
Q3
Particulars
FY'22
Q3
FY'21
9M 9M
FY'22 FY'21
•
% Change
Balance at the start of the period
65248.6
63170.9
69547.5 76716.3
-9%
•
Additions during the period
8030.6
251.7
21202.1 1091.0
1843%
Up gradations during the period
7156.2
463.8
15019.7 1510.2
895%
Write off (including Tech Write-off)
19.7
13.4
7606.7
12154.1
-37%
.
Compromise Settlements
64.3
86.5
173.3
181.4
-4%
Other Recoveries
951.1
Balance at the close of the period
898.3 2861.9 2000.8
65088.0 61960.6 65088.0 61960.6
43%
5%
NPAs & Provisions
•
PARTICULARS
JUN'21
SEP'21
DEC'21
Gross NPA
69637.3
65248.7
65088.0
Provisions for NPAs
49385.4
43744.2
43497.2
•
DIFV, ECGC, Int. Capitalization
600.2
868.0
913.2
Net NPA
19651.7
20636.5
20677.6
* TWO = Technically Written Off
J&K Bank
Last year (9M'21) slippages were low
due to Covid Moratorium / Hon'able
Supreme Court Order.
During the 9M-period INR 7580 Mio
NPA technically written off (9M
FY'21 INR 12035 Mio ).
Total stock of TWO* as on
31.12.2021 = INR 46381 Mio
Top 10 TWO accounts aggregate to
INR 24952 Mio
Gross NPA below 9% & net NPA just a
shade above 3% with PCR of 81%.
Top ten NPAs account for INR 29571
Mio (45% of NPA portfolio) with
provisions coverage of 80%.
28 cases are pending for resolution
through NCLT, Total Amount- INR
25892 Mio with provision coverage of
96%.
19 Accounts under Liquidation
process amounting to INR 14924 Mio
(100% Provision)
19View entire presentation