J&K bank Oct-24

A forward-looking statement is a statement about the future that is based on current assumptions and expectations.

Significant factors, like economic changes or new laws, that can impact the success of plans or predictions.

A financial statement that shows the financial health of a company, often including predictions about future performance.

Loans that are unlikely to be paid back, posing a financial risk to the lender.

Setting aside money to cover potential losses from loans that might not be repaid.

The process of estimating future growth and potential income generated by a business.

The process of making assumptions about the future to support predictions or plans.

A disclaimer clarifies that information provided is for general purposes only and does not constitute financial advice.

A professional with extensive experience in banking, specializing in credit, risk management, and human resources.

A highly qualified individual with expertise in corporate law, taxation, and project management.

A senior official working as an advisor to the Lieutenant Governor, utilizing extensive administrative experience.

A professional with a strong background in information technology, having worked in leading technology companies.

A senior official with a focus on finance, demonstrating expertise in financial management.

An individual certified as both an arbitrator and mediator, specializing in resolving disputes and conflicts.

A professional with extensive experience in corporate and tax laws, providing expert advice and conducting audits.

A professional specializing in fraud detection and forensic auditing, identifying and investigating financial irregularities.

Companies recognize the importance of Corporate Social Responsibility (CSR) and its impact on their reputation and sustainability.

Awards and recognition in banking demonstrate a company's achievements and position in the financial industry.

A business milestone achieved by a company, indicating significant growth.

The amount of money owed to a lender by borrowers who have not yet repaid their loans.

The percentage of total loans that are considered non-performing or unlikely to be repaid.

A category used to classify borrowers based on their creditworthiness, with 'AAA' representing the highest credit quality and 'BB & Below' indicating lower creditworthiness.

A type of loan that is considered 'standard' and performing as expected, with a low risk of default.

A type of loan that is considered 'non-performing' or at risk of default, requiring special attention and potential provisions for potential losses.

Money set aside by a lender to cover potential losses in case a borrower defaults on their loan.

The total amount of money owed to a lender by borrowers, including both standard and non-performing loans.

A loan that is still performing, but which may be at risk of becoming non-performing due to changes in borrower circumstances.

The process of evaluating a borrower's ability to repay a loan and assessing the potential risk involved.

A measure of a lender's ability to manage and minimize potential losses on loans.

The percentage of the company's total shares held by the promoters (usually the founders or controlling group).

Individuals who are residents of the country of the company residing in. They can be employees, customers, or investors.

Foreign institutional investors (FIIs) and foreign portfolio investors (FPIs) are organizations from other countries who invest in a company's shares.

Indian mutual funds are investment funds that pool money from various investors and invest in a diversified portfolio of securities.

These are institutions that provide financial services, like banks or insurance companies, who invest in shares.

Companies that invest in shares of other companies.

Individuals residing outside the country of the company.

This category includes a diverse group of investors such as Alternative Investment Funds (AIFs), Investor Education and Protection Fund (IEPF), and Trusts.

Members of a clearinghouse which is a financial institution that facilitates trading and settlement in securities markets.

This represents the overall ownership structure of a company, showing the proportion of shares held by different investor groups.

The net interest margin (NIM) is a key profitability metric for banks, representing the difference between interest income earned on assets and interest expense paid out on liabilities. It reflects the bank's ability to generate income from its lending activities and manage interest costs effectively.

The cost of deposits represents the interest expense incurred by a bank to attract deposits from customers. A higher cost of deposits puts pressure on a bank's profitability.

Return on assets (ROA) measures a bank's profitability relative to its total assets, reflecting its efficiency in generating income from its investments. A higher ROA indicates better asset utilization.

Return on equity (ROE) measures a bank's profitability relative to its shareholder's equity, reflecting its ability to generate returns for investors. A higher ROE indicates better profit generation for shareholders.

The cost-to-income ratio is a measure of a bank's operating efficiency, reflecting its ability to control expenses relative to income. A lower ratio indicates better cost management.

Gross slippage ratio measures the proportion of a bank's loan portfolio that turns into non-performing assets (NPAs) in a given period, indicating the quality of its loan book and credit risk management capabilities.

Non-performing assets (NPAs) are loans that are past due and are considered unlikely to be repaid. Higher NPAs indicate a bank's asset quality deterioration and potential financial risks.

Provision coverage ratio (PCR) reflects a bank's ability to cover potential losses from bad loans. A higher PCR indicates a stronger financial cushion and better protection against credit risks.