Investor Presentaiton
Capital Position
CRAR & Components of Capital
INR Million
Recent Capital Infusion by J&K Govt
J&K Bank
Component
FY 18-19
FY 19-20
FY 20-21
DEC'21
FY
Shares
Issue Price (INR)
Amount
CET-I
%
9.13
8.42
8.82
9.58
2016-17
36555051
68.39
2500.0
Tier -I
%
10.60
9.88
10.28
10.97
2017-18
35525321
79.38
2820.0
Tier -11 %
1.86
1.53
1.92
1.41
2019-20
156592546
31.93
5000.0
CRAR
%
12.46
11.40
12.20
12.38
2021-22
167672702
29.82
5000.0
CET - I
62137.2
57734.2
60793.7
68982.0
AT - I
10000.0
10000.0
10000.0
10000.0
Tier - II
12649.5
10472.9
13229.0
10174.8
Total Capital
84786.7
RWA
680485.8
78207.1
685862.3
84022.7
688928.6
89156.8
720304.4
•
.
CET-I = Common Equity Tier I; AT-I = Additional Tier I; RWA = Risk Weighted Assets
CRAR up by 61 bps YoY on account of internal accruals FY'21 (INR 4321
Mio), Infusion by JK Gov (INR 5000 Mio) & ESPS (INR 1500 Mio).
Revaluation Reserves partly reckoned for T1 and partly for T2.
Floating Provisions of INR 3487 Mio reckoned for Tier-2.
Further Avenues for Capital Augmentation
• J&K UT Government has made budgetary allocation for further Capital
Infusion (INR 8000 Mio) for FY 2022
• Bank is coming out with bond issue for raising Tier-II (INR 5000 Mio)
during this FY
•Follow-up Public issue / QIP (INR 5000 Mio) is being pursued in Q4 of
FY'22.
• Recovery / Settlements of significant NPAs shall release substantial
provisions.
• Retaining major portion of future profits.
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