The Jammu & Kashmir Bank Limited - Asset Resilience Ratio
The Jammu & Kashmir Bank Limited (J&KBANK) has an Asset Resilience Ratio of 20.84% as of September 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. Check strategic asset allocation of The Jammu & Kashmir Bank Limited to assess the company's strategic physical and investment asset allocation.
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. See J&KBANK equity to assets ratio to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see The Jammu & Kashmir Bank Limited stock valuation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | Rs128.96 Billion | 13.48% |
| Short-term Investments | Rs70.31 Billion | 7.35% |
| Total Liquid Assets | Rs199.27 Billion | 20.84% |
Asset Resilience Insights
- Good Liquidity Position: The Jammu & Kashmir Bank Limited maintains a healthy 20.84% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- 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 |
|---|---|---|
|
Standard Bank Group Ltd
JSE:SBK |
Banks - Regional | -9.21% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 28.98% |
|
Judo Capital Holdings Ltd
AU:JDO |
Banks - Regional | 10.76% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Bank Tabungan Negara Persero
JK:BBTN |
Banks - Regional | -3.50% |
|
Mystate Ltd
AU:MYS |
Banks - Regional | 8.81% |
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 | 4.77% | Rs80.86 Billion ≈ $874.43 Million |
Rs1.69 Trillion ≈ $18.32 Billion |
+3.12pp |
| 2024-03-31 | 1.65% | Rs25.55 Billion ≈ $276.27 Million |
Rs1.55 Trillion ≈ $16.71 Billion |
-10.53pp |
| 2023-03-31 | 12.18% | Rs177.73 Billion ≈ $1.92 Billion |
Rs1.46 Trillion ≈ $15.78 Billion |
+13.69pp |
| 2022-03-31 | -1.51% | Rs-19.70 Billion ≈ $-213.04 Million |
Rs1.31 Trillion ≈ $14.12 Billion |
-11.10pp |
| 2021-03-31 | 9.59% | Rs115.40 Billion ≈ $1.25 Billion |
Rs1.20 Trillion ≈ $13.01 Billion |
+0.38pp |
| 2020-03-31 | 9.22% | Rs100.31 Billion ≈ $1.08 Billion |
Rs1.09 Trillion ≈ $11.77 Billion |
+3.87pp |
| 2019-03-31 | 5.35% | Rs54.25 Billion ≈ $586.69 Million |
Rs1.01 Trillion ≈ $10.97 Billion |
+3.82pp |
| 2018-03-31 | 1.53% | Rs13.75 Billion ≈ $148.70 Million |
Rs896.84 Billion ≈ $9.70 Billion |
-2.14pp |
| 2017-03-31 | 3.67% | Rs30.11 Billion ≈ $325.62 Million |
Rs820.12 Billion ≈ $8.87 Billion |
-1.66pp |
| 2016-03-31 | 5.33% | Rs42.78 Billion ≈ $462.70 Million |
Rs802.54 Billion ≈ $8.68 Billion |
-3.92pp |
| 2015-03-31 | 9.25% | Rs70.36 Billion ≈ $760.88 Million |
Rs760.64 Billion ≈ $8.23 Billion |
+0.91pp |
| 2014-03-31 | 8.34% | Rs65.59 Billion ≈ $709.37 Million |
Rs786.13 Billion ≈ $8.50 Billion |
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About 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