Archive · 22 Jan 2026
J&K Bank CEO on Loan Growth, NIMs, and Strategies
Amitava Chatterjee, the head of Jammu & Kashmir Bank, talked about the bank's plans for loan growth, interest rates, and other strategies.
The bank aims for a 15% loan growth, with a focus on retail, agriculture, and auto loans.
Auto loans have grown a lot, and the bank's market share in Jammu & Kashmir has increased.
The bank also expects to improve its net interest margins to around 3.70% by the end of the year.
They are working on growing non-interest income through technology and third-party products.
The bank plans to add about 3 lakh credit card customers over the next few years.
Overall, the bank is optimistic about its future prospects.
J&K Bank maintains a 15% loan growth guidance for the year.
Auto loan growth is in double digits, with market share increasing from 50% to 60% in J&K.
Housing loan growth reached 30% in rest-of-India branches.
Net interest margins improved to 3.62%, with an expectation to reach 3.70% by year-end.
The bank aims to add 3 lakh credit card customers over the next 2-3 years.
- Who
- Amitava Chatterjee, MD & CEO of Jammu & Kashmir Bank
- What
- Discussion on loan growth, NIMs, and bank strategies
- When
- Current fiscal year and beyond
- Where
- Jammu & Kashmir and rest of India
- Why
- To provide insights into the bank's performance and future plans
- Loan Growth Guidance
- 15%
- Auto Loan Growth
- Double digits
- Housing Loan Growth
- 30% in rest-of-India branches
- Corporate Loan Pipeline
- Rs 12,000 crore
- Net Interest Margins (NIMs)
- 3.62%
- Deposit Growth
- 10.8%
- CASA Ratio
- Below 45%
- Credit Card Expansion
- 3 lakh customers in 2-3 years