The Jammu & Kashmir Bank Limited - Asset Resilience Ratio

Latest as of September 2025: 20.84%

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. See The Jammu & Kashmir Bank Limited working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

Rs199.27 Billion

≈ $2.16 Billion USD Cash + Short-term Investments

Total Assets

Rs956.34 Billion

≈ $10.34 Billion USD All company assets

Resilience Assessment

Good

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. For the complete balance sheet picture, see The Jammu & Kashmir Bank Limited asset portfolio.

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. Explore The Jammu & Kashmir Bank Limited long-term investment allocation to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	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	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	--

pp = percentage points

About The Jammu & Kashmir Bank Limited

NSE:J&KBANK India Banks - Regional

Market Cap

$1.76 Billion

Rs162.60 Billion INR

Market Cap Rank

#6649 Global

#304 in India

Share Price

Rs147.66

Change (1 day)

+2.01%

52-Week Range

Rs98.09 - Rs192.65

All Time High

Rs192.65