Tag: jammu and kashmir bank ltd (jkbank)

FCIK Congratulates JK Bank For Making All-Time High Profit

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SRINAGAR: The Federation of Chambers of Industries Kashmir (FCIK) congratulated JK Bank for making an all-time high net profit of 1197 Crores in the last financial year besides improving significantly upon all other banking parameters.
In a statement FCIK while attributing the remarkable achievement of the bank to its dedicated and hardworking management and staff, the apex industrial body said that the bank has improved its outlook towards accelerated regrowth of the J&K economy and high-end sustainability.
FCIK equally attributed the success and achievement of J&K Bank to its loyal depositors from Jammu, Kashmir and Ladakh whose deposits accounted for 88.20% of total deposits of Rs.122038 Crores with 6% growth from the last year. FCIK observed that this deposit profile has played an important role in maintaining the margins of the bank as the cost of these deposits stood at one of the lowest rates amoung the Indian scheduled commercial banks, implying lower than peers’ deposit costs @ 3.67%.
“Such a gesture depicted and displayed an emotional bonding of the people of UTJKL with the bank since its inception in 1938 which needed to be respected, maintained and enhanced further.
“The achievement is also attributed to the borrowers of the bank who have obtained loans from the bank and returned the same with one of the highest interest rates among the Indian scheduled commercial banks” observed FCIK adding that the bank might have been within its right to cover prevalent risk factors while overcharging their borrowers during turbulent times when all other banks had backed out from flowing credit to various economic sectors including MSMEs.
“Although the improvement upon Credit-Deposit ratio to 67.43% by the bank was fair yet it was much below the national average of 75%” observed FCIK adding that J&K Bank needed to fully concentrate on the increased credit flow to all economic sectors in UTJKL as it was observed that out of total advances of Rs.82285 a significant portion has been advanced to large corporate and other enterprises outside the Union Territory.
“The recoveries made from the NPA account holders after the launch of OTS-2022, Karz Mukti Scheme etc. have also aided in the increased profit earning of the bank”, observed FCIK adding that the profit could have increased further had the bank authorities conceded to the demand of FCIK and other business chambers for modification of the OTS schemes.
FCIK said that it was gratifying that the net NPA of J&K Bank stood just at 1.62% to net advances probably one of the lowest in the banking industry and that all borrowers of UTJKL were anxious to repay every penny of their loans borrowed from the bank on launch of a uniform, non-discriminatory OTS with trouble-free provisions and repayment schedule in consultation with the UT government and stakeholders. FCIK hoped that J&K Bank now initiated necessary steps towards launching such a policy which, among other things, could surely enable them to increase the current year’s profits to an all-time high by surpassing the profit figures of the previous year.

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#FCIK #Congratulates #Bank #Making #AllTime #High #Profit
( With inputs from : kashmirlife.net )

May 7, 2023
Jk Bank Nets Rs 1197 Cr Profit, Highest In Eight Years

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SRINAGAR: Adding a historic milestone to its remarkable journey, JK Bank recorded Rs 1197 Cr as net profit for the FY 2022-23 as the Bank’s highest-ever annual profit. Along with a decadal-high Capital Adequacy Ratio (CRAR) of 15.39% and eight-year best gross NPA figure at 6.04%, the Bank also registered its best-ever Q4 profit of Rs 476 Cr to successfully deliver its better-than-promised annual and quarterly performance.
The bank declared its annual and Q4 results today after its Board of Directors approved the numbers in a meeting held here at the bank’s Corporate Headquarters.
Performance Highlights
Aided by good recoveries, J&K Bank today delivered its best-ever net profit of Rs 1197 Cr for the FY 2022-23 and registered Rs 476 Cr as net profit for the January-March quarter of the FY 2022-23.
With Net Interest Margin (NIM) for the FY 2022-23 at 3.89 % against 3.50% recorded last year, the Bank’s operating income increased by 18% YoY to Rs 5502 Cr while as the other Net Interest Income (NII) grew 21% YoY to Rs 4745 Cr.
Bank’s Yield on Advances rose annually to 8.91% from 8.32%, while as the CD and CASA ratios stood at 67.43% and 54.10% respectively for the reviewed financial year.
Asset-Quality
The Bank’s gross and net NPA as percentages to gross and net advances improved considerably to 6.04% and 1.62% respectively when compared to 8.67 % and 2.49%, recorded last year.

The Bank’s Return on Assets jumped from 0.42% to 0.89% for the FY 2022-23, while as the NPA Coverage Ratio of the Bank improved to 86.20% against 84.26% recorded a year ago.
Capital-Cushion
After raising over Rs 1021 Cr as (tier-II) capital and significant internal accruals during the FY 2022-23, the Bank’s Capital Adequacy Ratio witnessed marked improvement of 216 bps to 15.39% from 13.23% recorded last year; thereby ensuring adequate availability of capital to support business growth while maintaining the regulatory buffer comfortably.
Business Growth
With advances growth outpacing the increase in deposits, the Bank’s advances grew by 17% to Rs 82285 Cr while as the deposits increased by around 6% to Rs 122038 Cr posting growth of 10% in the overall business of the Bank.
MD&CEO-Speak
Commenting upon the annual numbers, MD & CEO Baldev Prakash said, “With historic yearly profit, highest-ever quarterly net, decadal high CRAR, best asset-quality figures over last 8 years; it’s a great feeling to deliver better-than-promised annual numbers. I feel completely satisfied to see that we have gotten better at operating our business efficiently.”
“Looking back to March 2022 with these set of numbers, I see an unmistakable shift in performance as well as the functioning of Bank. Right from financials, operations and business to compliance and vastly improved corporate governance, the leap from turn-around to transformation is quite perceptible as well as promising”, he added.
Attributing the accomplishment to Bank staff, MD & CEO said, “I am happy to dedicate this historic and resounding success to the entire J&K Bank family that once again rose to the occasion and honoured the trust of all our stakeholders including customers by achieving most of the targets while improving upon the everyday functioning of the Bank”, adding, “I also express my profound gratitude to our patrons and promoters i.e. J&K Government and Ladakh Administration for their support and guidance throughout this journey.”
Regarding the marked improvement in CAR and GNPAs, MD stated, “Keeping thrust on strengthening the Balance Sheet by way of capital augmentation and NPA reduction, we have achieved Asset Quality figures that are the best in last eight years along with a decadal high CRAR.”
“Post-revamp of business strategy to reduce concentration risk, our loan book in ROI has already grown by above 20% during FY 2022-23 consequently improving the contribution of ROI loan book to 32% of total advances of the Bank”, said the MD on Bank’s sharpening focus on business in rest of the country.
He further said, “While making our balance-sheet stronger on daily basis, we have now entered into a progressive-phase wherein business-growth coupled with process excellence is all set to yield better returns for all stakeholders of the Bank. To ensure ease of banking for our clients, we have already enabled around 4 Lac customers on STP Platform for retail-loan processing with a turn-around-time of just 2-minutes, which has helped in reducing the footfall at branches drastically”, while adding, “With many cutting-edge technological solutions like Customer Relationship Management, WhatsApp banking, Cloud Application along with Artificial Intelligence & Machine Learning based Analytics at advanced stages of completion, I see J&K Bank well on its path to become one of the most agile, efficient and digitally smarter banks in the country soon.”

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#Bank #Nets #Profit #Highest #Years
( With inputs from : kashmirlife.net )

May 5, 2023
Jk Bank Nets Best Ever Profit Of Rs 1197 Cr, Records Good Recoveries

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SRINAGAR: Adding a historic milestone to its remarkable journey, JK Bank recorded Rs 1197 Cr as net profit for the FY 2022-23 as the Bank’s highest-ever annual profit. Along with a decadal-high Capital Adequacy Ratio (CRAR) of 15.39% and eight-year best gross NPA figure at 6.04%, the Bank also registered its best-ever Q4 profit of Rs 476 Cr to successfully deliver its better-than-promised annual and quarterly performance.
The bank declared its annual and Q4 results today after its Board of Directors approved the numbers in a meeting held here at the bank’s Corporate Headquarters.
Performance Highlights
Aided by good recoveries, J&K Bank today delivered its best-ever net profit of Rs 1197 Cr for the FY 2022-23 and registered Rs 476 Cr as net profit for the January-March quarter of the FY 2022-23.
With Net Interest Margin (NIM) for the FY 2022-23 at 3.89 % against 3.50% recorded last year, the Bank’s operating income increased by 18% YoY to Rs 5502 Cr while as the other Net Interest Income (NII) grew 21% YoY to Rs 4745 Cr.
Bank’s Yield on Advances rose annually to 8.91% from 8.32%, while as the CD and CASA ratios stood at 67.43% and 54.10% respectively for the reviewed financial year.
Asset-Quality
The Bank’s gross and net NPA as percentages to gross and net advances improved considerably to 6.04% and 1.62% respectively when compared to 8.67 % and 2.49%, recorded last year.

The Bank’s Return on Assets jumped from 0.42% to 0.89% for the FY 2022-23, while as the NPA Coverage Ratio of the Bank improved to 86.20% against 84.26% recorded a year ago.
Capital-Cushion
After raising over Rs 1021 Cr as (tier-II) capital and significant internal accruals during the FY 2022-23, the Bank’s Capital Adequacy Ratio witnessed marked improvement of 216 bps to 15.39% from 13.23% recorded last year; thereby ensuring adequate availability of capital to support business growth while maintaining the regulatory buffer comfortably.
Business Growth
With advances growth outpacing the increase in deposits, the Bank’s advances grew by 17% to Rs 82285 Cr while as the deposits increased by around 6% to Rs 122038 Cr posting growth of 10% in the overall business of the Bank.
MD&CEO-Speak
Commenting upon the annual numbers, MD & CEO Baldev Prakash said, “With historic yearly profit, highest-ever quarterly net, decadal high CRAR, best asset-quality figures over last 8 years; it’s a great feeling to deliver better-than-promised annual numbers. I feel completely satisfied to see that we have gotten better at operating our business efficiently.”
“Looking back to March 2022 with these set of numbers, I see an unmistakable shift in performance as well as the functioning of Bank. Right from financials, operations and business to compliance and vastly improved corporate governance, the leap from turn-around to transformation is quite perceptible as well as promising”, he added.
Attributing the accomplishment to Bank staff, MD & CEO said, “I am happy to dedicate this historic and resounding success to the entire J&K Bank family that once again rose to the occasion and honoured the trust of all our stakeholders including customers by achieving most of the targets while improving upon the everyday functioning of the Bank”, adding, “I also express my profound gratitude to our patrons and promoters i.e. J&K Government and Ladakh Administration for their support and guidance throughout this journey.”
Regarding the marked improvement in CAR and GNPAs, MD stated, “Keeping thrust on strengthening the Balance Sheet by way of capital augmentation and NPA reduction, we have achieved Asset Quality figures that are the best in last eight years along with a decadal high CRAR.”
“Post-revamp of business strategy to reduce concentration risk, our loan book in ROI has already grown by above 20% during FY 2022-23 consequently improving the contribution of ROI loan book to 32% of total advances of the Bank”, said the MD on Bank’s sharpening focus on business in rest of the country.
He further said, “While making our balance-sheet stronger on daily basis, we have now entered into a progressive-phase wherein business-growth coupled with process excellence is all set to yield better returns for all stakeholders of the Bank. To ensure ease of banking for our clients, we have already enabled around 4 Lac customers on STP Platform for retail-loan processing with a turn-around-time of just 2-minutes, which has helped in reducing the footfall at branches drastically”, while adding, “With many cutting-edge technological solutions like Customer Relationship Management, WhatsApp banking, Cloud Application along with Artificial Intelligence & Machine Learning based Analytics at advanced stages of completion, I see J&K Bank well on its path to become one of the most agile, efficient and digitally smarter banks in the country soon.”

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#Bank #Nets #Profit #Records #Good #Recoveries
( With inputs from : kashmirlife.net )

May 5, 2023
JK Bank Has 100 Branches In Srinagar Zone

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SRINAGAR: With the latest addition of a new JK Bank branch in Srinagar, the JK Bank has croseed the new milestone of having 100 branches of the bank in the Srinagar zone.
As part of its measures to enhance ease of banking for its growing customer base, JK Bank dedicated the new branch for public at Tengpora, Srinagar. The latest addition has taken the branch count in Srinagar zone to one hundred.
The Bank’s General Manager and Divisional Head (Kashmir) Tabassum Nazir inaugurated the branch in presence of Zonal Head (Srinagar) Shabir Ahmad, Cluster Heads Shabir Ahmad Bulla & Asmat Ara, and Branch Manager Syed Irrum amid a gathering of senior citizens and local businessmen.
Highlighting the Bank’s sustained efforts to enhance ease of banking across its areas of operations, GM Tabassum Nazir told the gathering, “It is a significant occasion for J&K Bank to have established 100th branch in Srinagar Zone. We at J&K Bank always devise plans to ensure new banking touch-points are commissioned in line with the needs of our customers.”
While urging the customers to avail all the available facilities, she assured them of best services including that of digital banking. “We attach great importance to your association with our bank and shall continue to add value to this bond by ensuring best customer services in physical as well as digital domains of banking” she said.
Zonal Head Srinagar impressed upon the staff to live up to the expectations of the customers. “On this occasion, I assure you that the staff posted here shall extend full support towards the financial progress of Tengpora and its adjoining area,” he told the gathering.
Notably, besides the business community in and around Tengpora, the newly established branch will also cater to areas like Gangbug, Mushtaq Colony, Galwanpora, Mahrajpora, Moominabad, Muslimabad and Naveedabad.
Local residents and business community hailed the Bank for opening of the branch in the area stating that such initiatives strengthen the association between people and the Bank.

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#Bank #Branches #Srinagar #Zone
( With inputs from : kashmirlife.net )

May 2, 2023
JK Bank Management Meets JKPICCA Members, Assures All Possible Support

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SRINAGAR: JK Bank’s top officials interacted with the members of JK Fruits and Vegetables Processing and Integrated Cold chain Association (JKPICCA) and Industrial Association Lassipora, and the bank was appraised of various issues faced by stakeholders of the industry.
The interactive session organised by Industrial Association Lassipora was attended by dozens of entrepreneurs led by President Cold Stores Association Majid Aslam Wafai.
The representatives of Industrial Association Lassipora were led by its president Haji Muzaffar at Industrial Growth Centre, Pulwama.
According to Wafai, the top officials of Bank were apprised about the various difficulties in banking especially, high rate of interest, high processing charges, delay in renewal, reduction in margin money and too high collateral requirement.
While hailing the JK Bank MD and CEO Baldev Prakash for giving a patient hearing to unit holders, Majid Wafai said, “Our successful journeys are synonymous with JK Bank. Our units wouldn’t have happened had there not been financial support from J&K Bank,” he said, adding that JK Bank has been a backbone for the first generation entrepreneurs.
“The bank has guided and supported us in setting up these units. It gives us heart and hope that our mentoring financial institution has embarked on path of renewed success and profitability,” he said.
On the occasion, MD & CEO assured the participants of Bank’s continued patronage and handholding to industrial sector within regulatory norms.
“We value your association because your progress adds to our growth as well. Therefore, we continue to take measures aimed at ease and comfort of doing business for our entrepreneurs,” Baldev Prakash said.

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#Bank #Management #Meets #JKPICCA #Members #Assures #Support
( With inputs from : kashmirlife.net )

April 30, 2023
Eid Shopping: JK Bank Records Rs 564 Cr Transfer During The Day

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SRINAGAR: The markets across Kashmir did not exhibit any indication of revival even after the delayed crescent added a day to the Eid shopping in the subcontinent. People remained busy in managing the basics including bread, mutton, vegetables and other foods.
Jammu and Kashmir Bank that is the custodian of almost two-thirds of deposits in Jammu and Kashmir has made public some basic information about the transactions in their system. Till 5 pm, on April 21, the data suggested Rs 564 crore was transacted through a total of 16.72 lakh transactions. This includes Rs 331.89 crore of transactions using the MPay as the card transactions were at Rs 118.5 crore and UPI transactions at Rs 115.08 crore.
In the last three days, as already reported, the bank transacted Rs 2510 crore.
However, the business transactions were not very encouraging. Insiders in the banking sector told TheNewsCaravan that not much of the transactions took place using the POS (point of sale) machines that most of businesses use. During the entire day, one insider said Rs 8.51 crore was transacted in 60232 sales, which is very insignificant given the tradition and practices on the eve of Eid.
Even the cash that moved out of the banking system during the day was too little – only Rs 89 crore in 177292 crore.
“Transactions did take place but people avoided spending the money,” one banker said. “People tend to spend as less as possible. Most of the transactions did not result in movement of cash out of the system and the digital transfer in business was too little.”
In the last three days, the traders thought that the inclement weather was playing the spoilsport but Friday exhibited that while people were out and there were no rains, people avoided markets. Most of the markets remained deserted for the entire day. “Compare the figures of last Eid with this Eid, you will come to understand where the economy is heading,” one senior trader said.
Market insiders hope that the onset of marriage season may trigger some turnaround.

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#Eid #Shopping #Bank #Records #Transfer #Day
( With inputs from : kashmirlife.net )

April 21, 2023
JK Bank Partners With CIMSME To Boost MSME Growth

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SRINAGAR: J&K Bank has signed a Memorandum of Understanding (MoU) with the Chamber of Indian Micro, Small & Medium Enterprises (CIMSME) in order to accelerate the growth of manufacturing enterprises. CIMSME is the apex chamber of MSMEs in India, representing their interests and issues with the government and various regulators while being an active participant in MSME-related policymaking.
During the signing of the MoU, General Manager Ashutosh Sareen signed on behalf of J&K Bank, while President Mukesh Mohan Gupta signed for CIMSME in the presence of MD & CEO Baldev Prakash, Executive Director Sudhir Gupta, General Manager Narjay Gupta, Director (CIMSME) Subhash Joinwal, DGMs, and other senior bank officials. The divisional heads of the bank also joined the function through VC Mode.
MD & CEO Baldev Prakash praised CIMSME for its role in promoting MSMEs and expressed pleasure over the signing of the MoU. He said, “As a responsible financial institution, we understand that the MSME sector plays a critical role in fostering entrepreneurship and generating huge employment opportunities, thereby contributing greatly to the country’s GDP. Moreover, MSME lending is profitable for the banking industry, and we need to translate this MoU into solid business growth, especially in the rest of India because this is the sector which complements the large industries in the form of subsidiary units that are vital to the entire ecosystem.”
MD Baldev Prakash asserted that the MSME sector will bolster the economy of the Union Territory and the country alike, and that the bank will ensure that bankable leads generated by CIMSME are processed in a time-bound manner.
President (CIMSME) Mukesh Mohan Gupta spoke on the occasion and expressed his pleasure at the tie-up with J&K Bank. He emphasized the need to educate lenders and borrowers of the MSME sector about various schemes and processes to avail the facilities. He further added, “We will soon be coming up with a web portal for ease of both MSME lenders and borrowers.”
Executive Director Sudhir Gupta stated that the signing of the MoU with the apex chamber is akin to forging a partnership that will go a long way in promoting the culture of enterprise across the country while adding to the bank’s business profile.
Under the tie-up, CIMSME will not only source the MSME/Startup proposals across the country but will also conduct due diligence of these proposals as per the bank policy and RBI guidelines. Once CIMSME is satisfied with the financials and track records of the company/firm, the leads will be shared with the bank for further processing.
J&K Bank has provided benefits of employment to around 92000 youth till March 2023, under the J&K Government’s flagship programmes ‘Back to Village 4.0’ and ‘My Town My Pride’ – a feat that has been hailed by the UT Government and people alike.

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#Bank #Partners #CIMSME #Boost #MSME #Growth
( With inputs from : kashmirlife.net )

April 11, 2023
ED Attaches Rs 252 Crore Worth Commercial Property In JK Bank Fraud Case

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SRINAGAR: The Enforcement Directorate (ED) issued a provisional attachment order under provisions of the Prevention of Money Laundering Act (PMLA) to seize a multi-storeyed commercial complex, worth more than Rs 252 crore, located in Delhi’s Shalimar Bagh area in connection with its probe into an alleged bank fraud case against the Ambience Group, The Tribune reported.
Tribune reported that the ED in an official statement said that the immovable property “is named Ambience Tower and it belongs to a company called Ambience Towers Pvt Ltd”, a firm of the Ambience Group promoted by Raj Singh Gehlot.
Petinently, FIR and chargesheets filed by the Jammu and Kashmir anti-corruption bureau that found that a company named Aman Hospitality Pvt Ltd, through its promoter director Gehlot, was sanctioned term loan facility of Rs 810 crore by a consortium of banks led by J&K Bank to part finance its hotel project in Shahdara, Delhi.
“The loan amount later turned into an NPA. During investigation, it was revealed that Gehlot had diverted loan funds and layered the same through a web of bank accounts belonging to his relatives and Ambience Group companies,” the ED said, adding that it also found that the promoter of the company “diverted” materials to the other project sites of the Ambience Group.
Gehlot was arrested by the ED in September 2021 in this case. His wife Sheela Gehlot and other directors of the Ambience Group such as Amit Gehlot, Shamsher Singh and Pawan Singh were also named as accused in the chargesheets filed by the ED earlier.

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#Attaches #Crore #Worth #Commercial #Property #Bank #Fraud #Case
( With inputs from : kashmirlife.net )

March 25, 2023
KCCI Delegation Calls On JK Bank MD And CEO

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SRINAGAR: A delegation of Kashmir Chamber of Commerce and Industries (KCCI) on Tuesday called upon MD and CEO JK Bank Baldev Prakash at Corporate Headquarters. During the introductory meeting, MD and CEO felicitated the newly elected members of KCCI executive body led by President Javed Ahmed Tenga.
Bank’s General Managers Ashutosh Sareen, Syed Rais Maqbool, Syed Shujaat Hussain, Divisional Head (Kashmir) Syed Shafat Hussain, Zonal Head (Srinagar) Shabir Ahmad along with DGMs were also present at the meeting besides senior KCCI office-bearers Ashaq Hussain Shangloo, Fayaz Ahmad Punjabi, Faiz Ahmad Bakshi and others.
Speaking on the occasion, MD and CEO Baldev Prakash dwelt upon the long-lasting relationship between the chamber and the Bank saying, “J&K Bank is your Bank, which has always supported businesses in a very pro-active manner. While carrying forward the rich legacy spanning over decades of mutual progress, we plan to take this association to another level in coming times.”
“Whatever is required to further strengthen the relationship will be done within the regulatory guidelines, for I truly believe that our progress is interlinked with your growth. And we need to join forces to accelerate the socio-economic development of this place”, he added.
Earlier, the members thanked the Bank for its continued financial support especially to ensure continuity and revival of businesses during difficult times like 2014 floods, Covid19 etc. The delegation also put on record its appreciation of the management for recently taken measures especially rolling out one time settlement Schemes and establishment of LCUs.
While stressing upon the need to engage each other at various levels, members of the delegation assured the Bank’s management of complete cooperation from KCCI whenever and wherever required.

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#KCCI #Delegation #Calls #Bank #CEO

( With inputs from : kashmirlife.net )

March 22, 2023
KU Mulls Partnership With JK Bank To Facilitate Student Training Under NEP-2020

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SRINAGAR: A team of senior academics from the University of Kashmir on Friday held detailed deliberations with top-level management of the JK Bank to develop a close linkage with the corporate sector for providing hands-on training to the varsity’s students.
Speaking about the objectives of the developing such linkages, Vice-Chancellor KU Prof Nilofer Khan said the National Education Policy-2020 envisages students to be trained to tackle the real world problems and get exposed to working environments outside the University system.
“The NEP emphasises that students will have to work in the field as part of requirement for completion of their degrees. Such linkages with corporate institutions like JK Bank are therefore very significant,” she said.
The KU team, which held the marathon deliberations at the JK Bank’s Corporate Headquarters in Srinagar, was led by Dean of Academic Affairs Prof Farooq A Masoodi, and included Prof S Mufeed Ahmad from Department of Management Studies, Prof Aneesa Shafi, Dean of Students’ Welfare and Prof Bikram Singh Bali from Department of Earth Sciences.
Giving details about the interactive session, Prof Masoodi said that a joint committee is being constituted to identify areas for mutual cooperation between the two institutions. He said the University of Kashmir proposed to offer some management development programmes (MDPs) for bank officers, besides providing its assistance in project evaluation, monitoring and field surveys.
He said the University expects the bank to provide internship facilities to the varsity students in relevant areas of study.
The management of the bank was represented by Mr Syed Rais Maqbool, Mr Syed Shafat Rufai, Mr Imtiyaz Ahmad Bhat, Mr Shabir A Bhat and Mr Syed Arshid Qadri.
The Bank officers desired periodical meetings with the University to make the linkages more productive.

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#Mulls #Partnership #Bank #Facilitate #Student #Training #NEP2020
( With inputs from : kashmirlife.net )

March 17, 2023