Jammu & Kashmir Bank reports 58% fall in Q1 net profit

Jammu & Kashmir Bank on Saturday reported a 58 per cent fall in its net profit to Rs 21.87 crore in the first quarter of 2019-20 due to a rise in provisions for bad loans.
The bank had posted a net profit of Rs 52.59 crore in the April-June quarter of the previous fiscal.
Total income during the first quarter of 2019-20 rose to Rs 2,256.25 crore from Rs 1,897.24 crore in the same period of 2018-19, the bank said in a release.
On asset front, gross non performing assets fell to 8.48 per cent of gross advances as on June 2019, as against 9.83 per cent by June end 2018.
Net NPAs also came down to Rs 4.36 per cent from 4.46 per cent a year ago.
However, the provisioning for bad loans and contingencies moved up to Rs 293.21 crore in the June quarter from Rs 255.01 crore in the same quarter of previous fiscal.
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Jammu & Kashmir(J & K) Bank Q4 net profit jumps over 7-fold


J&K Bank, reported a 129% growth in net profit for the Financial Year 2018-19 at Rs 465 crore as compared to Rs 202 crore in the previous fiscal.

In the March 2019 quarter, the bank has reported a profit of Rs 214.80 Cr as compared to Rs 28.41 Cr in the corresponding quarter of FY 2018. Buoyed by strong retail credit growth, sale of partial stake in PNB MetLife, and resolution of some large NPLs, the total income of the bank rose to Rs 8,487 crore in the FY 2018-19 as compared to Rs 7,116 Cr a year ago.
The results for the FY 2018-19 and Q4 FY 18-19 were announced by the bank on Wednesday after its Board of Directors adopted the audited numbers of the bank in its meeting held at Corporate Headquarters Srinagar.

The growth in J&K state credit has been reported at 23% over the last year and net interest income – the difference between interest earned on loans and that paid on deposits – grew by 42% in the 4th quarter of 2018-19.

The NIIM of the bank, an indicator of profitability, was calculated at 4.05 for the 4th quarter and on full-year basis it improved to 3.84% as compared to 3.65% in the previous fiscal.

The Chairman & CEO of J&K Bank attributed the turnaround and stellar growth to the unflinching trust of the promoters and customers of the bank, especially from J&K state. He commended the management team, business heads and operative staff for robust credit growth, management of NPAs, NPA recovery, improvement in compliance culture, etc, despite a challenging environment.

“Our numbers are unfolding in line with our strategic business plan to direct the focus of our credit expansion in J&K state especially in retail & SME segments. We are continuously gaining market share in J&K besides improving the penetration of credit to hitherto credit starved geographies/segments especially in consumer and housing sectors. If you see our segmental numbers in retail, housing has grown by 79% from 3117 Cr to 5384 Cr, Consumer finance has grown exponentially from 195 Cr to 1978 Cr, Car loans have grown by 37% from 2000 Cr to 2741 Cr, resulting in aggregate retail credit growth of 33%. The corporate to retail mix of our overall advances is now 43% corporate to 57% retail, as compared 53% corporate and 47& retail a couple of years ago,” announced the chairman.

“The results also validate our medium-term growth strategy to achieve a total business of about 2.50 Lac Cr with a targeted profit of Rs 2000 Cr, NIIM ranging between 3.5-4%, ROA of 1.3%, ROE of 16%, and credit cost below 1% at the end of FY 2022. I can say confidently that once our provisioning requirements due to ageing of NPAs are over, may be in 3-4 quarters, the best in terms of bottom line is yet to come,” added Parvez Ahmed.

The bank, he said, will be targeting to extend its outreach to the vast majority of rural population of the state, which is dependent on informal channels for their financial needs. This, he said, will further strengthen the bank’s low cost CASA franchise, which at 50.7% is one of the best in the banking industry.

The bank’s total business as on the close of 31st March 2019 touched Rs 1,61,864 crore, comprising deposits of Rs 89,638 crore and gross advances of Rs 72,226 crore, as compared to total business of Rs 1,42,466 crore an year ago, an increase of around 14%.

As a percentage of total loans, the Gross and Net NPA ratios of the bank improved to 8.97% and 4.89% as compared to 9.96% and 4.90% a year ago. Notably, the bank recovered NPAs of Rs 2,750 Cr during the year, besides making provisions of over Rs 1,000 crore for bad & doubtful debts.
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Jammu & Kashmir (J&K) Bank Q3 net profit up 43%

Jammu & Kashmir Bank has reported 43% increase in its net profit at  103.75 crore for the third quarter ended December 2018.
The bank had earned a profit of Rs. 72.47 crore in the October-December quarter of previous fiscal, the bank said in a statement.
Total income of the bank rose to Rs. 2,184.22 crore as against Rs.1,790.77 crore in the same period a year ago.

The gross non-performing assets (NPAs) as a percentage of total advances by end of December 2018 fell to 9.94 per cent as against 10.08 per cent as on December 31, 2017, it said.
Also read- Q3FY19 Results of all Public & Private Sector banks in India 
However, net NPAs rose marginally to 4.59 per cent of the net loans from 4.29 per cent in the corresponding period a year ago.
The NPA coverage ratio, though static on a year-on-year basis and still comparable with the best in the industry, has seen a dip on sequential basis to 65.82 per cent mainly on account of downgrade of IL&FS which reflects that the bank has been able to tide over the IL&FS shock without any major deterioration in the balance sheet parameters, it said.
From now onwards, the bank will focus on the transformation exercise by aggressively implementing the business plan 2022 prepared in consultation with management consultants and expects to clock a profit of  2,000 crore by end of 2022.
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Jammu & Kashmir(J&K) Bank half-yearly net profit grows 44%

J&K Bank, the state-owned premier financial institution and a listed entity, today reported a 44% increase in its net profit to Rs 146.34 Cr for the half year ended 30th September 2018 after the reviewed results of the Bank were adopted by the Board of Directors in the meeting held at the Bank’s Corporate Headquarters. The Bank had posted a net profit of Rs 101 Cr during the first half of previous fiscal.
Notably, the Bank has now reported six consecutive quarters of profitability after recovery from a loss of Rs 1632 Cr in the financial year ended March 2017. The gross business turnover of the bank has also seen a record increase surpassing the 1, 50,000 Cr mark with J&K state business contributing more than 1, 05,000 Cr on the back of robust credit growth of 23% year on year.

Discussing the problem of NPAs Parvez Ahmed said, “Overall NPAs are under control though provisioning pressure still remains due to the aging of NPAs that is going to taper in next 2 to 3 quarters. We are maintaining our Provision Coverage Ratio of around 70%. The net NPA is down to 3.91% as compared to 4.76% a year ago. The silver lining is that our J&K state rehabilitated portfolio has been behaving very well with only 0.8% slippages in the 09 months period post cessation of the moratorium period. This has allayed market apprehensions on the J&K state restructured portfolio of Rs 4300 Cr.”
The bank’s total income for the half year period increased to Rs 3603 Cr from Rs 3346 Cr recorded during the corresponding period of the FY 2017-18.

Net Interest Margin (NIM), a benchmark for the profitability of the bank remained healthy and stable at 3.72%. The cost of deposits has reduced to 4.87% as against 5.24% recorded for the corresponding half year of previous fiscal. The net advances of the bank grew to Rs 63691 Cr as against a figure of Rs 51341 Cr a year ago and Rs 56912 Cr in March 2018. On the deposit front, the bank recorded a growth of 15.7% over the last year with low-cost CASA deposits contributing around 50% of the total deposits 
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Jammu & Kashmir Bank Ltd. (J&K Bank) Recruitment for Probationary Officer (PO) & Banking Associate (Clerk) Posts 2018


Jammu & Kashmir Bank Ltd. has published Advertisement for below mentioned Posts 2018. Other details like age limit, educational qualification, selection process, application fee and how to apply are given below.


Posts:
Probationary Officer (PO): 250
Banking Associate (Clerk): 1200

Total No. of Posts: 1450 Posts


Educational Qualification
Probationary Officer (PO): Graduate / Post-graduate with 60% marks and above:-Educational qualifications should be from a recognized University/Institute (UGC/AICTE approved) & the result should have been declared on or before 01.10.2018. (The fraction of percentage arrived will be ignored i.e. 59.99% will be treated as less than 60%)

Banking Associate (Clerk): Graduate / Post-graduate with 55% marks and above:-Educational qualifications should be from a recognized University/Institute (UGC/AICTE approved) & the result should have been declared on or before 01.10.2018. (The fraction of percentage arrived will be ignored i.e. 54.99% will be treated as less than 55%).

Age Limit:

  • Probationary Officer (PO): 18-30 years as on 01.01.2018
  • Banking Associate (Clerk): 18-32 years as on 01.01.2018

For SC/ST/ ExServicemen: Relaxation up to 35 yrs as on 01.01.2018


Payment of Fees: (ONLINE MODE)

  • Probationary Officer (PO): The Candidates will pay the requisite fee (Rs.1000/- for General Category & Rs.800/- for Schedule Caste (SC) and Schedule Tribe (ST) Category) to be paid through online mode. No other Mode of payment is available
  • Banking Associate (Clerk): The Candidates will pay the requisite fee (Rs. 800/- for General Category & Rs. 600/- for Schedule Caste (SC) and Schedule Tribe (ST) Category) to be paid through online mode. No other Mode of payment is available.
Emoluments:
Probationary Officer (PO): Presently, the starting basic pay is Rs. 23700 / - in the scale of Rs. 23700 -980/7 - 30560 -1145/2 -32850 -1310/7 -42020 & other perks applicable to Junior Management Grade Scale -I.


Banking Associate (Clerk): Presently, the starting basic pay is Rs.13075/- (With 2 Advance increments) in the scale of Rs. 11765-655/3-13730-815/3-16175-980/4-20095-1145/7- 28110-2120/1-30230-1310/1-31540 & other perks applicable to Banking Associates.

Important Dates:

Starting Date of Online Application & Fee Payment: 24-10-2018
Last Date to Apply Online & Fee Payment: 10-11-2018


How to Apply: Interested Candidates may Apply Online Through official Website.

More details: Click Here

Apply Online: Click Here
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Probationary Officer (PO)

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Banking Associate (Clerk) 
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Jammu and Kashmir(J&K) Bank Q1 net profit rises 75%

Jammu and Kashmir Banktoday declared a 75 per cent jump in net profit at Rs 52.59 crore for the first quarter of the current financial year.
"J&K Bankhas posted a net profit of Rs 52.59 crore for the first quarter ended June 2018, registering 75 per cent increase over the net profit of Rs 30.19 crore reported for the June quarter in the previous financial year, " a spokesman of the lender said.

The bank's total income increased to Rs 1,897.24 crore from Rs 1,790.53 crore recorded during the corresponding period of 2017-18.
"Net Interest Margin (NIM) of the bank for the quarter is3.66 per cent as against3.19 per cent in March 2018.
"The cost of deposits has reduced to4.83 per cent as against5.27 per cent recorded for the corresponding quarter last year," he added.
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Jammu & Kashmir(J&K) Bank reports Q4 net profit

Jammu & Kashmir(J&K) Bank while showing resilience during turbulent times in banking industry, has registered a profit of Rs 202.72 crore for the financial year 2017-18. The Board of the Bank adopted the audited financial results for the Q4 & FY 2017-18 here today.

The audited results revealed that the bank registered a total business of Rs 140304.78 cr comprising deposits of Rs 80006.50 cr and advances of Rs 60298.28 cr as on March 31,2018 depicting a growth of 11.3% over the previous fiscal. Within the State, the bank reported a robust credit growth of 20% in line with the State focused lending strategy of the current leadership of the bank.



Commenting on the numbers for the fourth quarter, Chairman & CEO Parvez Ahmed said “The banking industry has seen a very difficult and challenging 4th quarter with RBI coming out with revised guidelines on NPA identification and treatment besides quashing the restructuring schemes leading to some major slippages across the industry. “Then there was the Nirav Modi effect which lead to one of our accounts M/s Gitanjali Gems getting downgraded. In J&K State rehabilitated portfolio, RBI notified some divergence in classification. All this resulted in enhanced provisioning and interest reversals which precipitated in muted bottom-line for the quarter, he added.


“On the brighter side,” he said “we were able to complete the cleanup and consolidation act. In the current fiscal though there will still be pressure on the balance sheet but we do not anticipate any major downgrade in the pipeline. We have concomitantly completed the succession planning exercise along with revamping of the organization structure with the aim of improving the systems and procedures to strengthen the culture of compliance. The focus has been on the risk management and capital planning too for regulatory compliance and growth over a longer period of time”, Parvez Ahmed said.


“Our promoters, the State Government and the regulator Reserve Bank of India supported us well during the tough preceding year with their guidance and support particularly in the management of rehabilitated portfolio of J&K State, the former supporting the business community with Chief Minister business interest relief scheme and the latter by allowing us the staggering provisioning for interest capitalized in rehabilitated accounts.”, acknowledged the Chairman.



Commending the concerted efforts of the staff of the bank in the challenging environment in the banking industry, he added, “the biggest anchor has been the human capital of the bank who have worked tirelessly for the last one and a half  years to execute the multi-pronged strategy devised to tide over the difficult times in the bank. We could manage to keep ourselves in the green zone riding on NPA recovery of Rs 2200 cr which included timely asset sale of some distressed assets, credit growth of 12.5% and better liability management by deprioritizing high cost bulk deposits. All this will not have been possible but for the synergistic efforts by the dedicated team at all levels.


“During the current fiscal, our focus will still be on conservation & augmentation of capital, NPA recovery, containing the slippages especially in the restructured portfolio and strengthening of the compliance framework in the Bank. On the business front, we are targeting a balance sheet growth of 20% which shall be mainly driven by credit growth of 30% in J&K state where we see huge opportunity lying untapped in the retail credit.”


Notably the Bank has reported a digital transaction percentage of 48%, CASA ratio of 50.89%, NIIM of 3.65%, NPA coverage ratio of 65.83% net NPA of 4.90% and profit FY 17-18 at 202.72 Cr. The bank is continuously introducing new customized products in the J&K state besides driving the push to sourcing of new retail loans to digital channels by targeting strategic tie up with Government departments and institutional customers to drive its retail credit growth in the J&K State.
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J&K Bank Q3 net profit at Rs72.47 crore

Jammu & Kashmir Bank on Wednesday reported a net profit of Rs72.47 crore during third quarter ended 31 December 2017.
The bank had reported a net loss of Rs498.47 crore in the October-December quarter of 2016-17. A fall in bad loan proportion helped the bank report profit on its books. The gross non-performing assets (NPAs) as a percentage of net loans by end of December 2017 fell to 10.08%, as against 11.84% as on 31 December 2016, it said in a BSE filing.
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J&K Bank reports Rs 72 crore profit in Q2


Jammu & Kashmir Bank today reported a net profit of Rs 71.6 crore for the second quarter ended September 30. 


It had posted a loss of Rs 602.40 crore in the July- September quarter of the last financial year. 

However, the bank's total income for the quarter under review declined to Rs 1,771.46 crore from Rs 1,816.67 crore in the year-ago period.
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Jammu & Kashmir Bank Q1 net profit up 32%

Jammu & Kashmir Bank reported 32 per cent rise in net profit to Rs 30.19 crore for the quarter ended on June 30, 2017.

It bank had reported a net profit of Rs 22.88 crore in April-June 2016.

Total income of the bank rose to Rs 1,790.53 crore in April-June 2017, from Rs 1,789.05 crore in the year ago period, the bank said in a regulatory filing.
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Jammu & Kashmir (J&K) Bank Q4 result, loss may widen sharply to Rs 106 cr

Jammu & Kashmir Bank is expected to post a standalone loss of Rs 106.5 crore for the quarter ended March 2017 against loss of Rs 56 crore in same quarter last year.

Net interest income, the difference between interest earned and interest expended, may fall 4.5 percent to Rs 617.9 crore compared with Rs 647.1 crore in corresponding quarter of last fiscal, according to average of estimates of analysts polled by CNBC-TV18.
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Jammu and Kashmir(J&K) Bank Q3 result, post net loss at Rs498 crore

Jammu and Kashmir Bank on Saturday reported a net loss at Rs498.47 crore for the third quarter ended December 2016, mainly due to sharp jump in provisions for bad loans.
The bank had reported a net profit of Rs117.68 crore in the year-ago period. Its total income also decreased to Rs1,770.2 crore from Rs1,806.08 crore in the same period last fiscal, the bank said in a BSE filing.

The total provisions excluding income tax increased over threefold to Rs726.28 crore, as against Rs239.67 crore in the year-ago period. Gross NPA (non-performing assets) as a percentage of total advances rose significantly to 11.84%, from 6.81% a year earlier. The bank’s net NPA stood at 5.99%, from 2.60% at the end of December 2015.
In a separate filing, Jammu and Kashmir Bank said its board of directors have approved the proposal for further issue of equity shares of the bank up to a maximum of Rs250 crore (including the premium amount) on a preferential allotment basis to the government of Jammu and Kashmir, the promoter and majority shareholder of the bank, subject to approvals.
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Top 10 Private Banks in India 2016

In Indian economy Private bank is the most regulated sector and most of the citizens prefer private banks because these banks provide quality services to their customers. They generate more profit than most of the nationalized banks and thus these banks have great importance in countries national income. These banks are famous for quality based products and customer centric service. If you are hungry for the best private sector banks, then don’t miss to read this article. Here is a valuable list of top 10 best private banks India.

1. HDFC Bank

HDFC Bank or Housing Development Finance Corporation Limited is the number one bank in India according to the market capital and is in 5th position according to assets value. It is the first private bank in India that received RBI approval to establish a bank. It has more than 3200 branches all over India and 12000+ ATM’s. At present the bank is dealing these services: FOREX services, Loans, Insurance, Credit cards, Private Banking, Premium Banking etc.

 

 

2. ICICI Bank

According to the quantity of assets, ICICI Bank or the Industrial Credit and Investment Corporation of India is the 2nd largest private bank that was formed in 1994. In 2014, the bank was awarded with the best bank by Global Business Development. The bank has current assets value is 99 billion USD and all over India it has 3540 branches and 11200 ATM’s. At present the bank is dealing these services: Privilege Banking, NRI Accounts, Credit cards, Insurance, Loans, etc.

 

 

 

 


3. Axis Bank

Formally known as UTI Bank, Axis bank is also a leading private bank in India that is operating its service from 1994. It occupies 3rd position in Indian banking market. This bank deals with the services like: customer and corporate banking, insurance and finance, credit cards, mortgage loans, investment banking, wealth management, credit cards etc.





4. Kotak Mahindra Bank

Formally the bank was known as Kotak Mahindra Finance Limited and was established in 1995 and got license to run banking business in 2003. The bank is available not only in Metro Cities but available also in Tier-2 cities. At present the bank is dealing these services: NRI Banking, Privileged Banking, Insurance and Finance, Wholesale Banking etc.

 

 

 

5. Yes Bank

In the list of 10 top best banks, Yes bank occupies 6th position. In January 2004, the bank was founded by Rana Kapoor and it’s headquarter is in Mumbai. This is one of the fast growing private banks in India with 500 branches in more than 350cities. In 2013 the bank was awarded with Golden Peacock Award for its Corporate Social Responsibility. At present the bank is dealing these services: Commercial Banking, Corporate and Institutional Banking, Investment Banking, Branch Banking etc.



6. Federal Bank

This bank was founded in the year 1947 and was formally known as Travancore Federal Bank. The founder of this bank is Mr. K P Hormis. The bank has more than 1000 branches all over the country. From its first day of operation the bank is striving for excellence in customer service. At present the bank is dealing these services: Insurance and NRI Banking, Corporate Banking, Loans etc.

 

 

7. Karur Vysya Bank

Karur Vysya Bank is also a well-known figure in this top 10 best private bank list. The bank was founded by M.A. Venkatarama Chettiar and Athi Krishna Chettiar in 1916. It’s headquarter is in Karur, TamilNadu. This is also a scheduled commercial bank in India that is famous for excellent customer service. Karur Vysya Bank has more than 550 branches in 18 states.


8. IndusInd Bank

The bank was founded in 1994 by Srichand P. Hinduja. He was the Chairman of the Hinduja Group. It’s headquarter is in Mumbai, Maharashtra. The name of the bank came from the name of the Indus Valley Civilization. This bank is better known for retail banking.

 

9. J&K Bank

This bank was founded in 1938 in Srinagar and started its operation in 1939. For four decades it has a record of continuous profit.

 

 

 

 

 

10. Bandhan Bank

It is an Indian banking and financial services company. It’s headquarter is in Kolkata. Along with IDFC Bandhan is also the newest private bank in India. Bandhan receives its license from RBI in 2014 and started its operation in early 2015.



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Top 10 Private Banks in India 2016


In Indian economy Private bank is the most regulated sector and most of the citizens prefer private banks because these banks provide quality services to their customers. They generate more profit than most of the nationalized banks and thus these banks have great importance in countries national income. These banks are famous for quality based products and customer centric service. If you are hungry for the best private sector banks, then don’t miss to read this article. Here is a valuable list of top 10 best private banks India.

 1. HDFC Bank

HDFC Bank or Housing Development Finance Corporation Limited is the number one bank in India according to the market capital and is in 5th position according to assets value. It is the first private bank in India that received RBI approval to establish a bank. It has more than 3200 branches all over India and 12000+ ATM’s. At present the bank is dealing these services: FOREX services, Loans, Insurance, Credit cards, Private Banking, Premium Banking etc.

 

 

2. ICICI Bank

According to the quantity of assets, ICICI Bank or the Industrial Credit and Investment Corporation of India is the 2nd largest private bank that was formed in 1994. In 2014, the bank was awarded with the best bank by Global Business Development. The bank has current assets value is 99 billion USD and all over India it has 3540 branches and 11200 ATM’s. At present the bank is dealing these services: Privilege Banking, NRI Accounts, Credit cards, Insurance, Loans, etc.

 

 

 

 


3. Axis Bank

Formally known as UTI Bank, Axis bank is also a leading private bank in India that is operating its service from 1994. It occupies 3rd position in Indian banking market. This bank deals with the services like: customer and corporate banking, insurance and finance, credit cards, mortgage loans, investment banking, wealth management, credit cards etc.





4. Kotak Mahindra Bank

Formally the bank was known as Kotak Mahindra Finance Limited and was established in 1995 and got license to run banking business in 2003. The bank is available not only in Metro Cities but available also in Tier-2 cities. At present the bank is dealing these services: NRI Banking, Privileged Banking, Insurance and Finance, Wholesale Banking etc.

 

 

 

5. Yes Bank

In the list of 10 top best banks, Yes bank occupies 6th position. In January 2004, the bank was founded by Rana Kapoor and it’s headquarter is in Mumbai. This is one of the fast growing private banks in India with 500 branches in more than 350cities. In 2013 the bank was awarded with Golden Peacock Award for its Corporate Social Responsibility. At present the bank is dealing these services: Commercial Banking, Corporate and Institutional Banking, Investment Banking, Branch Banking etc.



6. Federal Bank

This bank was founded in the year 1947 and was formally known as Travancore Federal Bank. The founder of this bank is Mr. K P Hormis. The bank has more than 1000 branches all over the country. From its first day of operation the bank is striving for excellence in customer service. At present the bank is dealing these services: Insurance and NRI Banking, Corporate Banking, Loans etc.

 

 

7. Karur Vysya Bank

Karur Vysya Bank is also a well-known figure in this top 10 best private bank list. The bank was founded by M.A. Venkatarama Chettiar and Athi Krishna Chettiar in 1916. It’s headquarter is in Karur, TamilNadu. This is also a scheduled commercial bank in India that is famous for excellent customer service. Karur Vysya Bank has more than 550 branches in 18 states.


8. IndusInd Bank

The bank was founded in 1994 by Srichand P. Hinduja. He was the Chairman of the Hinduja Group. It’s headquarter is in Mumbai, Maharashtra. The name of the bank came from the name of the Indus Valley Civilization. This bank is better known for retail banking.

 

9. J&K Bank

This bank was founded in 1938 in Srinagar and started its operation in 1939. For four decades it has a record of continuous profit.

 

 

 

 

 

10. Bandhan Bank

It is an Indian banking and financial services company. It’s headquarter is in Kolkata. Along with IDFC Bandhan is also the newest private bank in India. Bandhan receives its license from RBI in 2014 and started its operation in early 2015.



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