The Jammu & Kashmir Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	J&K Bank	Ujjivan Small Fin	Tamilnad Mercantile
Operational Metrics
Banks
Net Interest Margin	3.62 %	8.2 %	4.04 %
Yield On Advances	8.93 %	17.5 %	9.99 %
Gross NPA	3.0 %	2.4 %	0.91 %
Net NPA	0.68 %	0.6 %	0.2 %
CASA Ratio	44.1 %	27.3 %	27.95 %
CASA vs Liabilities	38.73 %	22.04 %	22.42 %
Credit Deposit Ratio	72.85 %	85.8 %	89.52 %
Cost To Income Ratio	55.88 %	66.0 %	44.4 %
Fresh Slippages - Quarterly	155.11 Crs	n/a	21.88 Crs
Capital to Risks Assets Ratio (CRAR)	15.0 %	21.62 %	30.08 %
Tier 2 Capital	2.22 %	1.49 %	1.55 %
Tier I Capital	12.77 %	20.13 %	28.53 %
NBFC
Cost of Borrowing	4.69 %	7.1 %	5.84 %
Financials
5 yr Average ROE	13.3 %	13.02 %	15.18 %
5yr average Equity Multiplier	14.64	7.54	8.76
5yr Average Asset Turnover Ratio	0.07	0.15	0.09
5yr Avg Net Profit Margin	10.41 %	8.05 %	18.5 %
5yr Avg Net Profit Margin	10.41 %	8.05 %	18.5 %
5yr CAGR Net Profit	37.19 %	144.56 %	14.41 %
5yr CAGR Sales	9.21 %	18.3 %	7.62 %
5 yr CAGR PPOP	13.06 %	16.1 %	7.75 %
Price to Book	0.74	1.76	1.09
P/E	5.29	22.5	8.48
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)	-8.63 %	-73.68 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.05 %	22.02 %	0.0

Business

	J&K Bank	Ujjivan Small Fin	Tamilnad Mercantile
Segment Break-Up	Segment Break-Up Consumer Finance 56.83 Treasury Operations 23.95 Corporate Banking 18.58 Wholesale Banking 0 Treasury 0 Others 0.64	Segment Break-Up Corporate Banking 2.6 Treasury Operations 0 Consumer Finance 0 Treasury Operations 10.65 Corporate Banking 0 Others 86.75	-
Loan Break-Up	Loan Break-Up Personal 37.0 Corporate 31.0 Agricultural 11.0 SME 10.0 Trading 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 2.0	Loan Break-Up Agricultural 0 Micro Banking 0 Group Loans 37.0 Personal 0 Individual 15.0 Institutional Lending 0 Secured Housing 22.0 FIG 7.0 SME 0 Agricultural Loan 2.0 MSE 8.0 Two Wheeler Loans 0 Advances against deposits 0 Corporate 0 Trading 0 Staff Loans 0 Personal Loans 0 Others 9.0	Loan Break-Up Agricultural 0 Micro Banking 0 Group Loans 0 Personal 0 Individual 0 Institutional Lending 0 Secured Housing 0 FIG 0 SME 0 Agriculture Loans 0 MSE 0 Two Wheeler Loans 0 Advances against deposits 0 Corporate 0 Trading 0 Staff Loans 0 Personal Loans 0 Others 100
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 South India 28.0 India 0 Rest of the World 0 North India 21.0 West India 19.0 East India 32.0	Location Wise Break-Up South India 0 India 100.0 Rest of the World 0 North India 0 West India 0 East India 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 40.73 Wholesale Banking 0 Treasury 0 Others 59.27	Operating Profit Break-Up Retail Banking 80.04 Wholesale Banking 10.08 Treasury 9.88	Operating Profit Break-Up Retail Banking 74.38 Wholesale Banking 0 Treasury 16.76 Others 8.86
Borrowings Break-Up	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 99.92 Other Institutions and Agencies 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Others 0.08	Borrowings Break-Up Non-Convertible Redeemable Debenture 0 RBI 34.79 Other Banks 0 Other Institutions and Agencies 65.21 UNSECURED REDEEMABLE BONDS 0	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
NPA Break-Up	NPA Break-Up Services 59.37 Industrial & Commercial 12.01 Agricultural 9.8 Priority Sector 9.52 Personal Loan 9.3 Personal loans 0 0 Agriculture and Allied activities 0	NPA Break-Up Agricultural 0 Industrial & Commercial 0 Agricultural 25.35 Services 17.75 Advances to industries 6.96 Priority Sector 0 Personal Loan 49.94 Personal Loan 0	NPA Break-Up Agricultural 0 Industrial & Commercial 0 Agriculture and Allied activities 0 Services 0 0 Priority Sector 0 Personal loans 0 Personal Loan 0 Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.51 Priority Sector 34.49 Non-Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Priority Sector 68.88 Non Priority Sector 31.12 Non Priority Sector 0	-

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

Financial

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