Investor Presentaiton
Loans & Advances - Asset Quality & Diversification
61% of Standard rated Corporate Loan portfolio rated 'A' & Above.
INR Million
ADVANCES REGION WISE
•
Retail Advances constitute 68% of total Loan Book; Retail growth @ over 10% YOY
.
Personal Loans constitute 52% of Retail Book and 35% of Total Loan Book.
.
JK UT contributes 76% of the Loan Book (Net Advances).
•
J&K portfolio mostly granular / retail in nature.
•
•
.
Term loans contribute 66% of the credit portfolio while CC/OD & bills together
account for 34%.
Low Concentration: Top 20 borrowers account for < 13% of Total Loans.
Out of the total Unrated Corporate PF, about INR 18000 Mio guaranteed by
Central/UT Government.
167324, 24%
Rating Profile- Standard Corporate Loans
516334, 76%
Advances Mix Region wise
J&K Bank
JK UT
Rest of India
Bank 12%
12%
37%
11%
26%
3%
■AAA
■AA
A
ROI 3% 6%
16%
5%
68%
3%
11972, 8%
BBB
(a)
BB&BELOW
Unrated
JK UT
15%
14%
45%
13%
11%
2%
Total
Standard
24670,
17%
34165, 23%
Corporate
Loans:
INR 147269
37577, 26%
Mio
(Dec'2021)
10654, 7%
28231,
19%
AGRICULTURE
TRADE
PERSONAL
SME
■CORPORATE ■ OTHERS
18
Rol = Rest of India i.e other than JK UT
@ Agriculture includes all Advances to this sectorirrespective of amount (i.e. it also includes Loans above INR 50 MillionView entire presentation