The Jammu & Kashmir Bank Limited
Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, salary, pension, and NRE and NRO accounts; and term deposits. The company also provides housing, consumer, education, term, car, coaching fee, personal consumpt… Read more
The Jammu & Kashmir Bank Limited - Asset Resilience Ratio
The Jammu & Kashmir Bank Limited (J&KBANK) has an Asset Resilience Ratio of 12.01% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2014–2025)
This chart shows how The Jammu & Kashmir Bank Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down The Jammu & Kashmir Bank Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹132.85 Billion | 7.84% |
| Short-term Investments | ₹70.66 Billion | 4.17% |
| Total Liquid Assets | ₹203.51 Billion | 12.01% |
Asset Resilience Insights
- Moderate Liquidity: The Jammu & Kashmir Bank Limited has 12.01% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
The Jammu & Kashmir Bank Limited Industry Peers by Asset Resilience Ratio
Compare The Jammu & Kashmir Bank Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for The Jammu & Kashmir Bank Limited (2014–2025)
The table below shows the annual Asset Resilience Ratio data for The Jammu & Kashmir Bank Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 8.66% | ₹146.72 Billion | ₹1.69 Trillion | +5.95pp |
| 2024-03-31 | 2.71% | ₹41.93 Billion | ₹1.55 Trillion | -9.47pp |
| 2023-03-31 | 12.18% | ₹177.73 Billion | ₹1.46 Trillion | +13.69pp |
| 2022-03-31 | -1.51% | ₹-19.70 Billion | ₹1.31 Trillion | -11.10pp |
| 2021-03-31 | 9.59% | ₹115.40 Billion | ₹1.20 Trillion | +0.38pp |
| 2020-03-31 | 9.22% | ₹100.31 Billion | ₹1.09 Trillion | +3.87pp |
| 2019-03-31 | 5.35% | ₹54.25 Billion | ₹1.01 Trillion | +3.82pp |
| 2018-03-31 | 1.53% | ₹13.75 Billion | ₹896.84 Billion | -2.14pp |
| 2017-03-31 | 3.67% | ₹30.11 Billion | ₹820.12 Billion | -1.66pp |
| 2016-03-31 | 5.33% | ₹42.78 Billion | ₹802.54 Billion | -3.92pp |
| 2015-03-31 | 9.25% | ₹70.36 Billion | ₹760.64 Billion | +0.91pp |
| 2014-03-31 | 8.34% | ₹65.59 Billion | ₹786.13 Billion | -- |