The Jammu & Kashmir Bank Ltd.

Financial

	J&K Bank	Ujjivan Small Fin	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.04 %	8.3 %	4.89 %
Yield On Advances	9.44 %	17.9 %	13.0 %
Gross NPA	4.08 %	2.2 %	2.6 %
Net NPA	0.79 %	0.5 %	0.29 %
CASA Ratio	48.17 %	25.54 %	34.1 %
CASA vs Liabilities	41.97 %	20.15 %	25.77 %
Credit Deposit Ratio	70.13 %	84.9 %	83.49 %
Cost To Income Ratio	57.54 %	68.0 %	66.4 %
Fresh Slippages - Quarterly	197.56 Crs	n/a	1058.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.29 %	23.1 %	15.54 %
Tier 2 Capital	2.34 %	1.72 %	1.48 %
Tier I Capital	13.96 %	21.38 %	14.06 %
NBFC
Cost of Borrowing	4.8 %	7.6 %	6.6 %
Financials
5 yr Average ROE	5.65 %	13.02 %	4.96 %
5yr average Equity Multiplier	15.68	7.54	8.54
5yr Average Asset Turnover Ratio	0.07	0.15	0.11
5yr Avg Net Profit Margin	4.73 %	8.05 %	4.77 %
5yr Avg Net Profit Margin	4.73 %	8.05 %	4.77 %
5yr CAGR Net Profit	n/a	144.56 %	20.29 %
5yr CAGR Sales	6.12 %	18.3 %	7.64 %
5 yr CAGR PPOP	9.02 %	16.1 %	2.91 %
Price to Book	0.86	1.55	0.93
P/E	5.9	12.99	20.35
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 %	-83.32 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.67 %	4.73 %	4.04 %

Business

	J&K Bank	Ujjivan Small Fin	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 61.04 Treasury Operations 20.07 Corporate Banking 18.08 Wholesale Banking 0 Treasury 0 Others 0.81	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Treasury Operations 12.87 Corporate Banking 2.99 Others 84.14	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Treasury Operations 28.94 Wholesale Banking 0 Others 71.06
Loan Break-Up	Loan Break-Up Personal 38.0 Corporate 29.0 SME 11.0 Trading 10.0 Agricultural 9.0 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Others 3.0	Loan Break-Up Group Loans 41.0 FIG 9.0 Agricultural Loan 1.0 Institutional Lending 0 Corporate 0 Trading 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 MSE 6.0 Personal 0 Secured Housing 23.0 SME 0 Agricultural 0 Individual 16.0 Two Wheeler Loans 0 Micro Banking 0 Others 4.0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up India 0 West India 18.0 Rest of the World 0 East India 24.0 South India 29.0 North India 28.0 Others 1.0	Location Wise Break-Up India 100.0 West India 0 Rest of the World 0 East India 0 South India 0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 51.76 Wholesale Banking 0 Treasury 0 Others 48.24	Operating Profit Break-Up Wholesale Banking 29.14 Retail Banking 41.0 Treasury 29.86	-
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 99.86 Other Institutions and Agencies 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 0.14	Borrowings Break-Up LAF 0 Other Institutions and Agencies 65.21 Tier II 0 Non-Convertible Redeemable Debenture 0 UNSECURED REDEEMABLE BONDS 0 CBLO/LTRO 0 Inter-Bank 0 Refinance 0 FCY 0 Other Banks 0 RBI 34.79	Borrowings Break-Up LAF 0 Other Institutions and Agencies 0 Tier Ii 7.0 Non-Convertible Redeemable Debenture 0 UNSECURED REDEEMABLE BONDS 0 CBLO/LTRO 0 Inter-Bank 0 Refinance 51.0 FCY 42.0 Other Banks 0 RBI 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 47.5 Corporate/Wholesale Banking 20.67 Treasury 0 Others 31.83	-	Asset Break-Up - Segment Wise Treasury 33.98 Retail Banking 36.27 Corporate/Wholesale Banking 28.15 Others 1.6
NPA Break-Up	NPA Break-Up Services 48.17 Industrial & Commercial 22.91 Agricultural 10.78 Personal Loan 7.55 Priority Sector 6.31 Personal loans 0 0 Agriculture and Allied activities 0 Advances to Industries 0 Agricultural & Allied Activities 0 Others 4.28	NPA Break-Up Advances to Industries 0 Personal Loan 0 Industrial & Commercial 0 Advances to industries 6.96 Agricultural & Allied Activities 0 Services 17.75 Agricultural 0 Agricultural 25.35 Personal Loan 49.94 Priority Sector 0	NPA Break-Up Advances to Industries 31.53 Personal Loan 0 Industrial & Commercial 0 0 Agriculture 22.18 Services 29.76 Agricultural 0 Agriculture and Allied activities 0 Personal loans 0 Priority Sector 0 Others 16.53
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.8 Priority Sector 37.2 Non-Priority sector 0 Priority sector 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Priority Sector 68.88 Priority 0 Non-Priority 0 Non Priority Sector 0 Non Priority Sector 31.12 Priority Sector 0	Priority vs Non-Priority Sector Priority sector 0 Priority Sector 26.09 Non Priority Sector 73.91 Non Priority Sector 0 Non-Priority sector 0 Priority Sector 0

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

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