J&K bank Jul-24

The SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, govern how listed companies communicate with investors and the stock exchange.

A conference call with analysts and investors allows companies to discuss their financial performance and answer questions about their business.

A company's financial performance for a specific period, typically three or six months.

A company's official statement or announcement to the stock exchange and investors about a particular event or decision.

The process of providing information to investors and analysts about a company's performance and future plans.

The official web page where a company publishes its financial reports and investor communication.

The primary function of a company's Board Secretariat is to ensure that the board of directors operates efficiently and ethically.

The Managing Director and CEO (Chief Executive Officer) of a company is the highest-ranking executive responsible for overall operations and strategy.

The rate at which prices for goods and services increase over time.

A plan for the future of India, focused on infrastructure development, job creation, and economic growth.

The reduction of interest rates by a central bank.

A favorable weather pattern with sufficient rainfall for agricultural production.

The company's official disclosure to the stock exchange about its financial performance.

Spending on infrastructure such as roads, buildings, and technology.

The overall economic conditions of a region or country.

The current positive state of the banking industry in India, characterized by strong asset quality, high earnings, efficient digital systems, and favorable regulatory environment.

A measure of a bank's ability to meet short-term financial obligations, calculated as the ratio of high-quality liquid assets to short-term liabilities.

A framework that requires banks to estimate and provision for expected credit losses (ECL) on their loan portfolio.

The process of increasing the weight assigned to specific loan types in regulatory capital calculations, making it more expensive for banks to hold these loans.

Non-Banking Financial Companies (NBFCs) are financial institutions that provide banking services but are not regulated by the Reserve Bank of India (RBI) like traditional banks.

The central bank of India, responsible for regulating the country's financial system and monetary policy.

A key component of a UT budget, representing the amount allocated for infrastructure development and other long-term investments.

A fiscal policy tool that limits the amount of government borrowing to ensure budget stability.

A measure of a bank's financial performance, calculating the ratio of a bank's total loans to its total deposits. A higher CD ratio indicates a bank is lending out a larger proportion of its deposits.

Deposits that do not bear interest, such as current accounts and savings accounts.

The percentage of loans that have become non-performing (NPA) and are unlikely to be repaid by the borrower. GNPA less than 4% is generally considered a healthy sign.

The amount of money set aside as a reserve to cover potential losses from bad loans. A higher provision coverage ratio means the bank is better prepared.

An early warning system to identify potential credit risks and defaults in advance. Helps in managing risk.

The amount of money recovered from loans that previously became bad. This can be a source of income for the bank.

The cost of borrowing money (deposits) for a bank. A lower cost of deposits means the bank can potentially offer more competitive loan rates.

The rate at which prices for goods and services increase over time. This can affect lending decisions by impacting the value of loans.

Provisions set aside to cover potential losses on non-performing assets (NPAs) during the remaining quarters of the fiscal year.

The cost of managing credit risk, calculated by comparing the amount of money set aside for bad loans to the total amount of loans.

The difference between the interest income earned on loans and the interest expense paid on deposits.

The percentage return on a bank's assets, calculated by dividing net income by total assets.

The percentage return on the bank's equity, calculated by dividing net income by shareholder equity.

Provisions set aside by banks to cover potential losses resulting from the adoption of Expected Credit Loss (ECL) accounting.

A measure of the safety and financial strength of a bank, calculated as a percentage of a bank's capital to its risk-weighted assets.

A bank's ability to generate profits from its core business activities, including interest income and other fees.

The process of using technology and business process re-engineering to improve efficiency and customer experience.

This refers to the process of repaying the amount owed by the JK UT Government for the pension disbursements made by the bank to its pensioners.

The Jammu and Kashmir UT Government and Jammu and Kashmir Bank agreed to reimburse the bank for the pension payments made to its pensioners.

These are loans offered to businesses that operate in the Micro, Small and Medium Enterprise (MSME) sector.

The current state of the Indian banking industry is considered positive and favorable.

This is a key metric for banks that measures the difference between interest earned on assets and interest paid on deposits.