Investor Presentaiton
Potential Business Opportunities
Home Loan
Bank has opened 10602 fresh housing loan
accounts during FY 2020-21 with a YoY growth of
19%. Keeping in view the potential of housing
loan bank is targeting a growth of 25% during FY
2021-22.
Bank envisages to open more than 13000 fresh
accounts under this segment during FY 2021-22.
Agri & Allied
Under agriculture sector, bank has opened 257 thousand
fresh loan accounts during FY 2020-21 at a yearly growth
of 10%.
Bank has a good opportunity of lending to farmers in J&K
under KCC Scheme and lending under Agriculture
Infrastructure Fund for setting up of cold stores and
chains, warehousing, silos, assaying, grading and
packaging units, e-marketing points linked to e-trading
platforms and ripening chambers, besides PPP projects
for crop aggregation sponsored by central/state/local
bodies.
MSMES
J&K Bank
More than 400 thousand fresh accounts opened
during FY 2020-21 under MSME advances with
yearly growth of 13%. A growth of 17% targeted
for FY 2021-22.
Under this sector bank has scope in
manufacturing and service activities in food
processing, pharmaceuticals, high grade raw
material, woolen fabrics, computer/electronics
and information technology.
High potential in Education, Tourism, Health
etc.
Govt. Employees
Bank has a huge customer base of Govt
employees/Govt pensioners.
Bank envisages a good opportunity to up-sell and
cross sell under various segments to the Govt
employees/pensioners viz personal consumption,
housing, car, CC employee, credit cards etc.
Car Loan
Around 30 thousand car loan accounts opened during FY
2020-21 with a yearly growth of 19%.
Bank is targeting a growth of around 25% during FY 2021-
22.
Digital POS.
Digital
Contactless Debit and Credit Cards.
Card tokenization.
Cardless ATM usage.
Domestic Prepaid Cards.
Non internet Based phone banking services
like SMS, Missed Call etc.
Whatsapp messaging and chatbots.
Opportunity to on-board the hospitals,
schools, colleges etc. in the UT of J&K and
Ladakh on IPG/POS platforms.
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