The Jammu & Kashmir Bank Limited - Asset Resilience Ratio

Latest as of March 2025: 12.01%

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. Read how much debt does The Jammu & Kashmir Bank Limited carry for a breakdown of total debt and financial obligations.

Liquid Assets

Rs203.51 Billion

≈ $2.20 Billion USD Cash + Short-term Investments

Total Assets

Rs1.69 Trillion

≈ $18.32 Billion USD All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2014–2025)

This chart shows how The Jammu & Kashmir Bank Limited's Asset Resilience Ratio has changed over time. See The Jammu & Kashmir Bank Limited (J&KBANK) shareholders funds for net asset value and shareholders' equity analysis.

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	Rs132.85 Billion	7.84%
Short-term Investments	Rs70.66 Billion	4.17%
Total Liquid Assets	Rs203.51 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
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
VersaBank TO:VBNK	Banks - Regional	1.65%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%
RMB Holdings Ltd JSE:RMH	Banks - Regional	20.83%
Bank Tabungan Pensiunan Nasional Syariah PT JK:BTPS	Banks - Regional	44.92%
Banco Bradesco DRC BA:BBD	Banks - Regional	4.82%
Grupo Financiero Galicia S.A. BA:GGAL	Banks - Regional	8.18%
Banco Macro SA B BA:BMA	Banks - Regional	0.55%

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%	Rs146.72 Billion ≈ $1.59 Billion	Rs1.69 Trillion ≈ $18.32 Billion	+5.95pp
2024-03-31	2.71%	Rs41.93 Billion ≈ $453.46 Million	Rs1.55 Trillion ≈ $16.71 Billion	-9.47pp
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	--

pp = percentage points

About The Jammu & Kashmir Bank Limited

NSE:J&KBANK India Banks - Regional

Market Cap

$1.54 Billion

Rs142.07 Billion INR

Market Cap Rank

#7291 Global

#332 in India

Share Price

Rs129.02

Change (1 day)

-4.17%

52-Week Range

Rs90.14 - Rs134.64

All Time High

Rs145.21