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

Financial

	J&K Bank	Ujjivan Small Fin	South Indian Bank
Operational Metrics
Banks
Net Interest Margin	3.62 %	8.2 %	2.86 %
Yield On Advances	8.93 %	17.5 %	8.42 %
Gross NPA	3.0 %	2.4 %	2.67 %
Net NPA	0.68 %	0.6 %	0.45 %
CASA Ratio	44.1 %	27.3 %	31.84 %
CASA vs Liabilities	38.73 %	22.04 %	27.18 %
Credit Deposit Ratio	72.85 %	85.8 %	80.12 %
Cost To Income Ratio	55.88 %	66.0 %	57.2 %
Fresh Slippages - Quarterly	155.11 Crs	n/a	155.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.0 %	21.62 %	17.84 %
Tier 2 Capital	2.22 %	1.49 %	0.96 %
Tier I Capital	12.77 %	20.13 %	16.88 %
NBFC
Cost of Borrowing	4.69 %	7.1 %	4.77 %
Financials
5 yr Average ROE	13.3 %	13.02 %	10.18 %
5yr average Equity Multiplier	14.64	7.54	14.71
5yr Average Asset Turnover Ratio	0.07	0.15	0.08
5yr Avg Net Profit Margin	10.41 %	8.05 %	8.1 %
5yr Avg Net Profit Margin	10.41 %	8.05 %	8.1 %
5yr CAGR Net Profit	37.19 %	144.56 %	96.21 %
5yr CAGR Sales	9.21 %	18.3 %	8.06 %
5 yr CAGR PPOP	13.06 %	16.1 %	12.72 %
Price to Book	0.74	1.89	0.89
P/E	5.29	24.21	7.07
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 %	11.9 %

Business

	J&K Bank	Ujjivan Small Fin	South Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 56.83 Treasury Operations 23.95 Corporate Banking 18.58 Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Whole sale Banking 0 Others 0.64	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Corporate Banking 2.6 Retail banking 0 Corporate Banking 0 Treasury Operations 10.65 Corporate/Whole sale Banking 0 Others 86.75	Segment Break-Up Treasury Operations 0 Consumer Finance 0 Wholesale Banking 0 Consumer Finance 44.98 Corporate Banking 0 Treasury Operations 21.69 Corporate Banking 28.82 Others 4.51
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 Gold 0 Others 2.0	Loan Break-Up Personal 0 Secured Housing 22.0 Advances against deposits 0 Agricultural 0 Micro Banking 0 Trading 0 FIG 7.0 Group Loans 37.0 SME 0 Individual 15.0 Two Wheeler Loans 0 Agricultural Loan 2.0 Institutional Lending 0 Gold 0 Staff Loans 0 MSE 8.0 Corporate 0 Personal Loans 0 Others 9.0	Loan Break-Up Personal 0 Secured Housing 0 Advances against deposits 0 Agricultural 0 Micro Banking 0 Trading 0 FIG 0 Group Loans 0 SME 14.0 Individual 0 Two Wheeler Loans 0 Agriculture Loans 0 Institutional Lending 0 Gold 0 Staff Loans 0 MSE 0 Corporate 40.0 Personal Loans 28.0 Others 18.0
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 Rest of India 0 Kerala 0	Location Wise Break-Up Rest of India 0 Rest of the World 0 North India 21.0 India 0 East India 32.0 West India 19.0 Kerala 0 South India 28.0	Location Wise Break-Up Rest of India 17.72 Rest of the World 0 North India 0 India 0 East India 0 West India 0 Kerala 52.53 South India 29.75
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 40.73 Wholesale Banking 0 Treasury 0 Corporate & Wholesale Banking 0 Others 59.27	Operating Profit Break-Up Treasury 9.88 Corporate & Wholesale Banking 0 Wholesale Banking 10.08 Retail Banking 80.04	Operating Profit Break-Up Treasury 17.95 Wholesale Banking 25.4 Wholesale Banking 0 Retail Banking 56.65
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 0 Reserve Bank of India 0 Others 0.08	Borrowings Break-Up Other Banks 0 Other Institutions and Agencies 65.21 Reserve Bank of India 0 RBI 34.79 0 Non-Convertible Redeemable Debenture 0 UNSECURED REDEEMABLE BONDS 0	Borrowings Break-Up Other Banks 0 Other Institutions and Agencies 56.54 Reserve Bank of India 39.53 RBI 0 Borrowings outside India 3.8 Non-Convertible Redeemable Debenture 0 UNSECURED REDEEMABLE BONDS 0 Others 0.13
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 Housing Loan 0 Other Personal loans incl. Gold Loan 0 Trade 0 Agriculture and allied activities 0 Textile 0 Basic Metal 0 Infra 0 Professional 0 NBFC 0	NPA Break-Up NBFC 0 Agricultural 25.35 Priority Sector 0 Other Personal loans incl. Gold Loan 0 Infra 0 Professional 0 Agricultural 0 Basic Metal 0 Textile 0 Personal Loan 0 Personal Loan 49.94 Agriculture and allied activities 0 Services 17.75 Advances to industries 6.96 Trade 0 Housing Loan 0 Industrial & Commercial 0	NPA Break-Up NBFC 0.53 Agriculture and Allied activities 0 Priority Sector 0 Others 10.62 INFRA 3.03 Professional Services 6.97 Agricultural 0 Basic Metal 1.98 Textiles 5.53 Personal Loan 0 Personal Loan 18.23 Agricultural 21.39 Services 0 0 Trading 25.45 Home loans 4.77 Industrial & Commercial 0 Others 1.5
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 Sectors 0	Priority vs Non-Priority Sector Priority Sectors 0 Priority Sector 0 Non Priority Sector 0 Priority Sector 68.88 Non Priority Sector 31.12	Priority vs Non-Priority Sector Priority Sector 35.65 Priority Sector 0 Non Priority Sector 64.35 Priority sector 0 Non-Priority sector 0

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

Financial

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