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.docx  ANALYSIS OF TERM LOANS.docx (Size: 157.36 KB / Downloads: 61)



Jammu & Kashmir Bank was founded on October 1, 1938 & it commenced business from July4, 1939. The Jammu & Kashmir bank limited has been the first of its nature & composition as a state owned bank in the country. The bank was established as a semi state bank with participation in capital by state & the public under the control of state government.
The bank has to face serious problem at the time of independence when out of its total often branches two branches of Muzaffarabad & Mirpur fell to the other side of the line of control (now Pak Occupied Kashmir) along with cash & other assets. Following the extension of central laws to the state of Jammu & Kashmir, the bank was defined as a government company as per the provision of Indian Companies Act. 1956.
Today, Jammu & Kashmir Bank is one of the fastest growing banks in India with a network of more than 603 branches/offices spread across the country offering world class banking products/services to its customers. The Bank recently bagged three very prestigious awards for the following fair business practices & commitment to social obligations.


The Bank continued its emphasis on maintaining high standards of service to its customers. In this direction, the bank introduced various hi-tech & customer friendly products during the year, providing value added service to achieve customer satisfaction. Customer complaints received are dealt promptly & expeditiously. The bank is a member of the banking codes & standards board of India & has adopted 'code of bank's commitment to customers', a voluntary code providing protection & 'Right to Know' to the customers. The bank has established a 24 X 7 help desk to address customer queries & the desk id slated to be converted into a full fledged call centre in 2007-08. The bank is also keenly pursuing for ISO 9000 certification for its customer service.


In synchronization with the bank's new strategy focus on increasing lending & financial deepening of economy in J&K state, a host of new products customized & tailored to the requirements of customers were designed & launched. Some of these products are:
JK Bank launches “Saral Finance” to Small Businessmen
JK Bank Chairman Launches MET GROUP savings Plan
JK Bank announces sale of insurance products through khidmat centres


"To catalyze economic transformation and capitalize on growth"
Our vision is to engender and catalyze economic transformation of Jammu and Kashmir and capitalize from the growth induced financial prosperity thus engineered. The bank aspires to make Jammu and Kashmir the most prosperous state in the country, by helping create a new financial architecture for the J&K. economy, at the centre of which will be the J&K Bank.


Our mission is two-fold: 'To provide the people of J&K international quality financial service and solutions and to be a super-specialist bank in the rest of the country. The two together will make us the most profitable bank in the country."


J&K Bank's mission is to be a World-class Indian Bank. The bank's aim is to build sound customer franchises across distinct businesses so as to be the preferred provider of banking services in the segments that the bank operates in and to achieve healthy growth in profitability, consistent with the bank's risk appetite. The bank is committed to maintain the highest level of ethical standards, professional integrity and regulatory compliance. J&K bank's business philosophy is based on four core values: OPERATIONAL EXCELLENCE, CUSTOMER FOCUS, PRODUCT LEADERSHIP and PEOPLE.


J&K Bank corporate headquarter is in Maulana Azad Road, Srinagar 190001 (J&K). The bank at present has an enviable network of over more than 611 branches spread over various cities across India. All branches are linked on an online real-time basis. The bank hold more than 9000 employees in the main headquarter of Srinagar. This bank holds 11 zonal offices, 1 treasury office which is located at Mumbai. Bank holds various D-MAT services that are known by name of J & K Bank financial services.
During (the financial year 2011-12), 55 new branches were established, thereby taking the number of branches to 603 as on 31st march 2012, spread over 20 states and 1 union territory.


The new identity for The J&K Bank is a visual representation of the Bank’s philosophy and business strategy. The three colored squares represent the regions of Jammu, Kashmir and Ladakh. The counter-form created by the interaction is a falcon with outstretched wings- a symbol of power and empowerment. The synergy between the three regions propels the Bank towards new horizons. Green signifies growth and renewal, blue conveys stability and utility, and red represents energy and power. All these attributes are integrated and assimilated in the white counter-form.


Having joined the bank in 1972 as Probationary Officer (PO), Mr. Mushtaq Ahmad has a distinguishing career of 36 years as a prudent banker. His personal progression has been a vital & contributing element of the unfolding success story of J&K Bank since more than three decades. Before his retirement as the executive Director of the bank in Feb 2008, he held some of the most significant positions in the bank & discharge all his duties with honesty &distinctive vision.
His person makes an ideal blend of specialized knowledge & practical experience in almost all the critical fields of contemporary banking, which include Credit/Risk Management, Strategy & Business Development, Assets & Liability Management, HRD, Investments, Treasury, Forex Operations, International Banking, Insurance, etc.
As a leading banker, he commands huge respect for his prudence, esteem for his discipline & affection for his leadership skills in the bank as well as the industry.


Technology, among other things has taken banking to people's doorstep. At J&K Bank aim is to leverage the technology to provide state-of-the art finance services to our customers. The bank's IT strategy emphasizes enchased levels of customer service through 24*7 availability, multi-channel banking and cost efficiency through optimal use of technology. J&K Bank operates in a highly automated environment in terms of information technology and communication systems.90% of the bank is working on online system. The entire bank branches have connectivity which enables the bank to offer speedy funds transfer facilities to its customers. Multi-branch access is also provided to retail customers through the branch network and automated teller machines (ATM's).

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