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

Financial

	J&K Bank	Ujjivan Small Fin	Tamilnad Mercantile
Operational Metrics
Banks
Net Interest Margin	3.52 %	8.5 %	4.18 %
Yield On Advances	8.51 %	17.6 %	9.93 %
Gross NPA	2.5 %	2.3 %	0.73 %
Net NPA	0.64 %	0.4 %	0.18 %
CASA Ratio	45.65 %	28.6 %	28.14 %
CASA vs Liabilities	39.9 %	22.7 %	23.06 %
Credit Deposit Ratio	74.17 %	87.07 %	86.5 %
Cost To Income Ratio	47.86 %	63.0 %	44.8 %
Fresh Slippages - Quarterly	202.02 Crs	n/a	36.86 Crs
Capital to Risks Assets Ratio (CRAR)	16.55 %	21.14 %	33.73 %
Tier 2 Capital	2.12 %	1.44 %	1.46 %
Tier I Capital	14.44 %	19.7 %	32.27 %
NBFC
Cost of Borrowing	4.47 %	7.0 %	5.72 %
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	0.87	1.55	1.04
P/E	6.07	21.32	7.85
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)	-4.01 %	-73.67 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.97 %	24.79 %	0.34 %

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 0 Treasury Operations 10.65 Corporate Banking 2.6 Treasury Operations 0 Consumer Finance 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 Individual 15.0 FIG 7.0 Secured Housing 22.0 Personal Loans 0 Agricultural 0 Trading 0 Personal 0 Micro Banking 0 Agricultural Loan 2.0 Advances against deposits 0 SME 0 Staff Loans 0 Institutional Lending 0 MSE 8.0 Group Loans 37.0 Two Wheeler Loans 0 Corporate 0 Others 9.0	Loan Break-Up Individual 0 FIG 0 Secured Housing 0 Personal Loans 0 Agricultural 0 Trading 0 Personal 0 Micro Banking 0 Agriculture Loans 0 Advances against deposits 0 SME 0 Staff Loans 0 Institutional Lending 0 MSE 0 Group Loans 0 Two Wheeler Loans 0 Corporate 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 East India 32.0 South India 28.0 North India 21.0 Rest of the World 0 West India 19.0 India 0	Location Wise Break-Up East India 0 South India 0 North India 0 Rest of the World 0 West India 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 40.73 Wholesale Banking 0 Treasury 0 Others 59.27	Operating Profit Break-Up Wholesale Banking 10.08 Treasury 9.88 Retail Banking 80.04	Operating Profit Break-Up Wholesale Banking 0 Treasury 10.37 Retail Banking 80.21 Others 9.42
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 RBI 34.79 Non-Convertible Redeemable Debenture 0 UNSECURED REDEEMABLE BONDS 0 Other Banks 0 Other Institutions and Agencies 65.21	-
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 25.35 Advances to industries 6.96 Agricultural 0 Industrial & Commercial 0 Services 17.75 Priority Sector 0 Personal Loan 49.94 Personal Loan 0	NPA Break-Up Agriculture and Allied activities 0 0 Agricultural 0 Industrial & Commercial 0 Services 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 68.88 Non Priority Sector 31.12 Priority Sector 0 Non Priority Sector 0	-

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

Financial

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