The Jammu & Kashmir Bank Ltd.

Financial

	J&K Bank	Ujjivan Small Fin	South Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.72 %	7.7 %	3.03 %
Yield On Advances	9.35 %	17.6 %	8.89 %
Gross NPA	3.5 %	2.5 %	3.15 %
Net NPA	0.82 %	0.7 %	0.68 %
CASA Ratio	45.71 %	24.29 %	32.06 %
CASA vs Liabilities	39.75 %	19.1 %	28.33 %
Credit Deposit Ratio	68.15 %	84.16 %	77.13 %
Cost To Income Ratio	60.78 %	67.0 %	53.8 %
Fresh Slippages - Quarterly	273.7 Crs	n/a	192.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.98 %	22.77 %	19.48 %
Tier 2 Capital	2.3 %	1.58 %	1.23 %
Tier I Capital	13.68 %	21.18 %	18.25 %
NBFC
Cost of Borrowing	4.83 %	7.6 %	4.82 %
Financials
5 yr Average ROE	5.65 %	13.02 %	10.18 %
5yr average Equity Multiplier	15.68	7.54	14.71
5yr Average Asset Turnover Ratio	0.07	0.15	0.08
5yr Avg Net Profit Margin	4.73 %	8.05 %	8.1 %
5yr Avg Net Profit Margin	4.73 %	8.05 %	8.1 %
5yr CAGR Net Profit	n/a	144.56 %	96.21 %
5yr CAGR Sales	6.12 %	18.3 %	8.06 %
5 yr CAGR PPOP	9.02 %	16.1 %	12.72 %
Price to Book	0.77	1.38	0.74
P/E	5.22	15.85	5.75
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 %	-83.32 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.49 %	10.95 %	9.55 %

Business

	J&K Bank	Ujjivan Small Fin	South Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 61.04 Treasury Operations 20.07 Corporate Banking 18.08 Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Whole sale Banking 0 Others 0.81	Segment Break-Up Corporate/Whole sale Banking 0 Treasury Operations 0 Corporate Banking 3.21 Retail banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 14.36 Others 82.43	Segment Break-Up Corporate Banking 28.72 Treasury Operations 0 Wholesale Banking 0 Consumer Finance 43.57 Consumer Finance 0 Corporate Banking 0 Treasury Operations 24.5 Others 3.21
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 Gold 0 Others 3.0	Loan Break-Up Secured Housing 21.0 Micro Banking 0 Staff Loans 0 Agricultural 0 Advances against deposits 0 Agricultural Loan 1.2 FIG 8.0 MSE 7.0 Group Loans 39.0 Corporate 0 Personal Loans 0 Institutional Lending 0 SME 0 Gold 0 Individual 16.0 Two Wheeler Loans 0 Personal 0 Trading 0 Others 7.8	Loan Break-Up Secured Housing 0 Micro Banking 0 Staff Loans 0 Agricultural 0 Advances against deposits 0 Agriculture Loans 0 FIG 0 MSE 0 Group Loans 0 Corporate 42.0 Personal Loans 27.0 Institutional Lending 0 SME 14.0 Gold 0 Individual 0 Two Wheeler Loans 0 Personal 0 Trading 0 Others 17.0
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 West India 18.0 India 0 East India 25.0 North India 28.0 Rest of the World 0 Kerala 0 South India 29.0	Location Wise Break-Up Rest of India 17.72 West India 0 India 0 East India 0 North India 0 Rest of the World 0 Kerala 52.53 South India 29.75
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 51.76 Wholesale Banking 0 Treasury 0 Corporate & Wholesale Banking 0 Others 48.24	Operating Profit Break-Up Wholesale Banking 2.87 Treasury 39.11 Retail Banking 58.02 Corporate & Wholesale Banking 0	Operating Profit Break-Up Wholesale Banking 0 Treasury 49.75 Retail Banking 50.25 Corporate & Wholesale Banking 0
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 0 Reserve Bank of India 0 Others 0.14	Borrowings Break-Up RBI 34.79 UNSECURED REDEEMABLE BONDS 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 0 Other Institutions and Agencies 65.21 Reserve Bank of India 0	Borrowings Break-Up RBI 0 UNSECURED REDEEMABLE BONDS 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Borrowings outside India 5.04 Other Institutions and Agencies 92.61 Reserve Bank of India 2.34 Others 0.01
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
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 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 Others 4.28	NPA Break-Up Trade 0 Agricultural 25.35 Basic Metal 0 Agricultural 0 Textile 0 Infra 0 Advances to industries 6.96 Priority Sector 0 Professional 0 NBFC 0 Agriculture and allied activities 0 Services 17.75 Housing Loan 0 Other Personal loans incl. Gold Loan 0 Personal Loan 0 Industrial & Commercial 0 Personal Loan 49.94	NPA Break-Up Trading 30.55 Agriculture and Allied activities 0 Basic Metal 2.33 Agricultural 0 Textiles 6.23 INFRA 2.26 0 Priority Sector 0 Professional Services 7.54 NBFC 0.14 Agricultural 19.38 Services 0 Home loans 4.35 Others 8.45 Personal Loan 0 Industrial & Commercial 0 Personal Loan 12.8 Others 5.97
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 Priority Sectors 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 68.88 Non Priority Sector 31.12 Priority Sector 0 Priority Sectors 0	Priority vs Non-Priority Sector Non Priority Sector 61.04 Priority sector 0 Non-Priority sector 0 Priority Sector 0 Priority Sector 38.96

The Jammu & Kashmir Bank Ltd.

The Jammu & Kashmir Bank Ltd.

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