The Jammu & Kashmir Bank Ltd.

Financial

	J&K Bank	RBL Bank	City Union Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.04 %	4.9 %	3.59 %
Yield On Advances	9.75 %	13.3 %	8.01 %
Gross NPA	4.08 %	2.92 %	3.36 %
Net NPA	0.94 %	0.53 %	1.42 %
CASA Ratio	48.17 %	32.8 %	30.63 %
CASA vs Liabilities	41.97 %	24.84 %	26.58 %
Credit Deposit Ratio	68.1 %	84.69 %	87.0 %
Cost To Income Ratio	57.28 %	62.5 %	48.64 %
Fresh Slippages - Quarterly	321.52 Crs	1309.0 Crs	555.4 Crs
Capital to Risks Assets Ratio (CRAR)	15.09 %	15.4 %	22.26 %
Tier 2 Capital	2.38 %	1.7 %	0.97 %
Tier I Capital	12.71 %	13.7 %	21.29 %
NBFC
Cost of Borrowing	4.76 %	6.6 %	4.81 %
Financials
5 yr Average ROE	5.65 %	4.96 %	11.69 %
5yr average Equity Multiplier	15.68	8.54	9.04
5yr Average Asset Turnover Ratio	0.07	0.11	0.09
5yr Avg Net Profit Margin	4.73 %	4.77 %	14.32 %
5yr Avg Net Profit Margin	4.73 %	4.77 %	14.32 %
5yr CAGR Net Profit	n/a	20.29 %	16.35 %
5yr CAGR Sales	6.12 %	7.64 %	4.4 %
5 yr CAGR PPOP	9.02 %	2.91 %	2.49 %
Price to Book	0.86	0.75	1.5
P/E	5.55	11.74	12.19
Shareholdings
Promoter Holding	59.4 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-10.72 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	3.67 %	4.04 %	-2.64 %

Business

	J&K Bank	RBL Bank	City Union Bank
Segment Break-Up	Segment Break-Up Consumer Finance 59.11 Treasury Operations 22.55 Corporate Banking 17.77 Treasury 0 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Others 0.57	Segment Break-Up CORPORATE /WHOLESALE BANKING 0 Treasury Operations 30.59 RETAIL BANKING 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 TREASURY 0 Others 69.41	Segment Break-Up Corporate Banking 20.22 Treasury 0 Consumer Finance 59.48 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Treasury Operations 18.8 Others 1.5
Loan Break-Up	Loan Break-Up Personal 40.0 Corporate 26.0 SME 12.0 Agricultural 10.0 Trading 10.0 Infra structural Nonagriculture,NBFC 0 Loan Collateralized by Deposits 0 Retail Traders 0 Commercial Real Estate 0 Housing Loans 0 Large Industries 0 Wholesale Traders 0 MSME 0 Others 2.0	-	Loan Break-Up Personal 0 Agricultural 0 Loan Collateralized by Deposits 0 Wholesale Traders 1.87 Corporate 0 Retail 1.15 Trading 0 MSME Sector 39.3 Home loans 4.76 SME 0 Commercial Real Estate 6.25 Large Industries 1.18 Infra structural Nonagriculture,NBFC 15.26 Others 30.23
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 57.55 Corporate / Wholesale Banking 0 Treasury 0 Others 42.45	-	Operating Profit Break-Up Treasury 40.07 Retail Banking 41.89 Corporate / Wholesale Banking 12.8 Others 5.24
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 99.86 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Reserve Bank of India 0 Others 0.14	Borrowings Break-Up FCY 42.0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 0 CBLO/LTRO 0 Tier Ii 7.0 Inter-Bank 0 LAF 0 Refinance 51.0	Borrowings Break-Up FCY 0 Reserve Bank of India 28.62 UNSECURED REDEEMABLE BONDS 0 CBLO/LTRO 0 Tier II 0 Inter-Bank 0 LAF 0 Refinance 0 Others 71.38
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 50.24 Corporate/Wholesale Banking 17.68 Treasury 0 Others 32.08	Asset Break-Up - Segment Wise Treasury 32.71 Retail Banking 37.16 Corporate/Wholesale Banking 28.39 Others 1.74	Asset Break-Up - Segment Wise Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 100
NPA Break-Up	NPA Break-Up Services 48.17 Industrial & Commercial 22.91 Agricultural 10.78 Personal Loan 7.55 Priority Sector 6.31 Advances to Industries 0 Agricultural & Allied Activities 0 Agrriculture and allied Activities 0 Others 4.28	NPA Break-Up Agricultural 0 Advances to Industries 31.53 Personal Loan 0 Priority Sector 0 Agrriculture and allied Activities 0 Services 29.76 Agriculture 22.18 Industrial & Commercial 0 Others 16.53	NPA Break-Up Agricultural 0 Advances to Industries 0 Personal Loan 0 Priority Sector 0 Agricultural 17.97 Services 37.45 Agricultural & Allied Activities 0 Industrial & Commercial 0 Others 44.58
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.8 Priority Sector 37.2 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 0 Non Priority Sector 73.91 Priority Sector 26.09	Priority vs Non-Priority Sector Priority Sector 57.9 Non Priority Sector 42.1 Non-Priority 0 Priority 0

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

SIGN UP FOR FREE