OVERVIEW

Jammu and Kashmir Bank (J&K Bank) is a Scheduled Commercial Bank and one of the oldest private sector Bank in India, incorporated in 1938. Bank is listed on the NSE and the BSE and has its Corporate Headquarters at Srinagar. Bank functions as a leading bank in the Union Territories of Jammu & Kashmir and Ladakh and is designated by Reserve Bank of India as its exclusive agent for carrying out banking business for the Government of Jammu & Kashmir and Ladakh. J&K bank caters to banking requirements of various customer segments which includes Business enterprises, employees of government, semi-government and autonomous bodies, farmers, artisans, public sector organizations and corporate clients. The bank also offers a wide range of retail credit products, including home, personal loans, education loan, agriculture, trade credit and consumer lending, a number of unique financial products tailored to the needs of various customer segments.

VISION

“Pioneering the economic and social transformation” To become a committed partner in fostering economic and social transformation across the country through a deep commitment to value creation for all our stakeholders, while continuing to build on our historic business relationship with Jammu & Kashmir and Ladakh.

MISSION

  • To acquire an enhanced business footprint across geographies and emerge as a prominent national brand in the financial sector.
  • To position the Bank as the “Most Preferred Bank” for Customer focus, Operational Excellence and High Integrity towards one and all stakeholders.
  • To be the best-in-class financial intermediary, leveraging our digital and physical banking channels;
  • To observe customer centricity through service excellence, integrity and transparency, and a comprehensive range of innovative products and services responsive to customer needs.
  • To be a lean, learning and efficient banking organization focusing on prudent, sustainable, profitable growth and value creation.
  • To adopt the best standards for corporate governance, business ethics and risk management.
  • To vigorously promote financial inclusion as a business proposition to harness the potential at the bottom of the pyramid.