Investor Presentaiton
Liability Trends
Deposit Mix
466362
477368
472893
466848
474596
475540
453356
469943
472401
483552
CASA Ratio (%)
54.44
INR Million
J&K Bank
56.84
56.32
55.83
55.34
111793
138708
120096
115675
Q3 20-21
Q4 20-21
Q1 21-22
■Demand Deposits
■Savings Deposits
Q2 21-22
■Term Deposits
126063
Q3 21-22
Q3 20-21 Q4 20-21 Q1 21-22
CASA + Retail term Deposits (%)
Q2 21-22
Q3 21-22
•
Sustained improvement in CASA, at 56.32% (among the best in industry)@.
Share of CASA & Retail Term Deposits at all time high of 87.22%
•
Demand Deposit component growth YoY 13%.
• Main contributor of deposits in JK UT, 88% share.
•
Proportion of CASA deposits improving in rest of India.
84.42%
•
Liquidity Coverage Ratio: over 300% (well above regulatory requirement).
Q3 FY2021
@ Source: RBI Website / Database
87.22%
86.46%
86.58%
86.39%
Q4 FY2021 Q1 FY2022 Q2 FY2022 Q3 FY2022
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