Investor Presentaiton
Key Performance Indicators
Steady Developments Leading To...
INR Million
J&K Bank
...Gradually Improving Parameters (Q3'FY21-22)
Non Interest Income
Net Interest Income
Operating Profit
KPIs
Q4'20-21 Q1'21-22
Q2 '21-22
Q3 '21-22
ROE (%)#
5.55
1.77
1.75
2.54
9932
1562
3152
ROA (%)#
0.27
0.09
0.09
0.14
CoF (%)
3.89
3.79
3.78
3.77
NIM (%)
3.43
3.62
3.65
3.74
Gross Advances
Deposits
Total Business
EPS (INR)#
4.43
1.46
1.49
1.86
CAR (%)
12.20
12.01
12.80
12.38
728921
1092984
1776643
Gross NPA
69547.5
69637.3
65248.7
65088.0
GNPA (%)
9.67
9.69
8.95
8.93
EPS
CASA Ratio
PCR
CRAR
Net NPA
19693.3
19651.7
20636.5
20677.6
T1
10.97%
NNPA (%)
2.95
2.94
3.02
3.02
1.86
56.32%
81.45%
1.41%
T2
PCR (%)
81.97
82.00
81.57
81.45
12.38%
CASA (%)
56.84
55.83
55.34
56.32
Up 0.94 YoY
Up 188 bps YoY
Down 222 bps YoY
Up 61 bps YoY
# Non-AnnualizedView entire presentation