The Jammu & Kashmir Bank Ltd.

Financial

	J&K Bank	RBL Bank	Ujjivan Small Fin
Operational Metrics
Banking Sector
Net Interest Margin	4.04 %	4.89 %	8.6 %
Yield On Advances	9.75 %	13.0 %	18.2 %
Gross NPA	4.08 %	2.6 %	2.7 %
Net NPA	0.94 %	0.29 %	0.6 %
CASA Ratio	48.17 %	34.1 %	25.11 %
CASA vs Liabilities	41.97 %	25.77 %	19.14 %
Credit Deposit Ratio	68.1 %	83.49 %	85.87 %
Cost To Income Ratio	57.28 %	66.4 %	64.0 %
Fresh Slippages - Quarterly	321.52 Crs	1058.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	15.09 %	15.54 %	23.9 %
Tier 2 Capital	2.38 %	1.48 %	1.8 %
Tier I Capital	12.71 %	14.06 %	22.1 %
NBFC
Cost of Borrowing	4.76 %	6.6 %	7.6 %
Financials
5 yr Average ROE	5.65 %	4.96 %	13.2 %
5yr average Equity Multiplier	15.68	8.54	7.13
5yr Average Asset Turnover Ratio	0.07	0.11	0.15
5yr Avg Net Profit Margin	4.73 %	4.77 %	8.35 %
5yr Avg Net Profit Margin	4.73 %	4.77 %	8.35 %
5yr CAGR Net Profit	n/a	20.29 %	29.64 %
5yr CAGR Sales	6.12 %	7.64 %	16.39 %
5 yr CAGR PPOP	9.02 %	2.91 %	24.64 %
Price to Book	0.78	0.79	1.44
P/E	5.03	17.22	8.74
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	-83.32 %
Change in Mutual Fund Holding (3 Yrs)	3.67 %	4.04 %	4.73 %

Business

	J&K Bank	RBL Bank	Ujjivan Small Fin
Segment Break-Up	Segment Break-Up Consumer Finance 59.11 Treasury Operations 22.55 Corporate Banking 17.77 Treasury 0 Wholesale Banking 0 Others 0.57	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Wholesale Banking 0 Treasury Operations 30.59 Others 69.41	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 2.9 Treasury Operations 12.1 Others 85.0
Loan Break-Up	Loan Break-Up Personal 40.0 Corporate 26.0 SME 12.0 Agricultural 10.0 Trading 10.0 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 FIG 7.0 Institutional Lending 0 MSE 6.0 Individual 15.0 Staff Loans 0 Personal 0 Agricultural Loan 2.0 Trading 0 Advances against deposits 0 Secured Housing 21.0 Personal Loans 0 Micro Banking 0 SME 0 Agricultural 0 Group Loans 45.0 Two Wheeler Loans 0 Corporate 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 West India 0 India 100.0 East India 0 South India 0 North India 0 Rest of the World 0	Location Wise Break-Up West India 18.0 India 0 East India 24.0 South India 31.0 North India 27.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 57.55 Wholesale Banking 0 Treasury 0 Others 42.45	-	Operating Profit Break-Up Retail Banking 76.7 Wholesale Banking 14.86 Treasury 8.37 Others 0.07
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 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Others 0.14	Borrowings Break-Up Refinance 51.0 Other Banks 0 Tier Ii 7.0 LAF 0 FCY 42.0 UNSECURED REDEEMABLE BONDS 0 RBI 0 Non-Convertible Redeemable Debenture 0 Inter-Bank 0 CBLO/LTRO 0	Borrowings Break-Up Refinance 0 Other banks - India 6.91 Tier II 0 LAF 0 FCY 0 UNSECURED REDEEMABLE BONDS 0 RBI 29.94 Non-Convertible Redeemable Debenture 0 Inter-Bank 0 CBLO/LTRO 0 Others 63.15
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 Retail Banking 37.16 Treasury 32.71 Corporate/Wholesale Banking 28.39 Others 1.74	-
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 Personal loans 0 0 Agriculture and Allied activities 0 Others 4.28	NPA Break-Up Personal loans 0 Priority Sector 0 Industrial & Commercial 0 Services 29.76 Personal Loan 0 Advances to Industries 31.53 Agricultural 0 0 Agriculture 22.18 Agriculture and Allied activities 0 Others 16.53	NPA Break-Up Personal Loan 28.08 Priority Sector 0 Industrial & Commercial 0 Services 7.68 Personal Loan 0 Advances to Industries 0 Agricultural 0 Advances to industries 41.96 Agricultural & Allied Activities 0 Agricultural 22.28
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.8 Priority Sector 37.2 Non-Priority 0 Priority 0 Non-Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non-Priority sector 0 Non Priority Sector 73.91 Priority Sector 0 Priority sector 0 Priority Sector 26.09 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 22.14 Non-Priority 0 Priority Sector 0 Priority Sector 77.86 Priority 0 Non Priority Sector 0

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

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