Presentation of Investor Meet

Jammu and Kashmir Bank Limited hosted a domestic non-deal roadshow presentation showcasing its dramatic turnaround story. The bank faced severe crisis in 2019-20 with GNPA at 11%, net loss of Rs.1139 crores, and capital adequacy below the required 11.5%. Through strategic reforms in corporate governance, business process re-engineering, and technology upgrades, the bank has since recovered strongly. Net profit improved from a loss of Rs.1139 crores in FY2020 to Rs.2363 crores in FY2026, while Gross NPA was reduced from 10.97% to 2.50%. Net worth crossed Rs.15,000 crores, market cap reached Rs.15,000 crores (17x from lows), and the stock delivered 936% returns with a 48% CAGR. The bank received a rating upgrade from A+ to AA- and achieved four consecutive years of record annual profits. Vision 2030 targets include reaching Rs.5 lakh crore business size and Rs.5000 crore annual profitability.