Serving To Empower

Key Strategies Emphasis on retail, agriculture and MSME segment Focus on improving asset quality and maintaining NPA levels and avoiding slippages Increase CASA Deposit Base and reduce cost of funds Continue our investments in technology to support our digital banking and reduce the cost Expand beyond Jammu and Kashmir and Increase customer penetration through expansion of branch and ATM network Focus on increasing Non-interest income through interventions in Treasury and Financial Services J&K Bank Serving To Empower 18

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