Assistant Public information officer  
J&K Bank has designated 944 officers as Assistant public information officers (APIO’s) under Right to Information Act, 2005 who shall receive and forward the RTI applications/Appeals to the designated PIO and Appellate Authority. Assistant public information officer shall not by itself be responsible for supplying any information to the RTI Applicant or Appellant as the case may be.

Public information officer
J&K Bank has designated 16 officers as Public information officers (PIO’s) who shall be responsible for giving information to the applicant under Right to Information Act, 2005.

Appellate Authority
J&K Bank has designated 16 officers as “Appellate Authorities” (AA) under Right to information Act, 2005. Any applicant who has not been supplied the requisite information or is not satisfied with the information furnished may file appeal before the designated “Appellate Authority” as provided by the Right to information Act, 2005.

Click Here for MANAGEMENT/ORGANISATIONAL STRUCTURE OF J&K BANK

Click Here for LIST OF PIO’S

Click Here for LIST OF APPELLATE AUTHORITIES

1. CREATION
   Jammu And Kashmir Bank Limited was incorporated on 1st October, 1938 and commenced its business from 4th July, 1939. The Bank is a Government Company under Indian Companies Act. In the year 1971, the Bank received the status of scheduled bank. RBI declared it as 'A' Class Bank in the year 1976.Presently, the Bank has 950 Business Units, 25 Extension Counters, 68 EBUs, 07 RCCs, 05 IARBs and 03 mobile branches spread on pan India basis. Bank has corporate Headquarters and registered office at M.A Road Srinagar.
2. POWERS AND DUTIES OF OFFICERS/EMPLOYEES
   Financial and administrative powers have been delegated to the officers depending upon their position in the Bank and Categorization of Business Units. The delegation of the financial powers of various grades of officials is decided by Board of Directors which is revised from time to time depending upon the organizational structure and various regulatory guidelines including those issued by RBI. Officers and other employees are governed by Officers Service Manual (OSM) , 2000 and Bipartite Settlements with respect to their conduct.
3. PROCEDURE FOLLOWED IN DECISION MAKING INCLUDING CHANNELS OF SUPERVISION AND ACCOUNTABILITY
   Bank has laid down well defined system of decision making process. Financial decisions are taken at various levels by different grade of officials depending upon their position and as well as committee approach .Centralized credit processing cells have also been formed for sanction of certain segments of loans. Bank has put in place well defined organizational structure with clear mechanism of accountability and control which has taken into account the RBI guidelines and other statutory requirements including statutory Audits, RBI Audit and various internal Audits.
4. NORMS FOR DISCHARGE OF FUNCTIONS
   Bank has adopted core values and norms to achieve its objectives which are based on excellence in customer service, profit orientation, fairness in dealings, integrity and transparency in policies and systems. Bank has placed detailed information related to its products on its website www.jkbank.com.
5. RULES AND REGULATIONS/MANUALS AND RECORDS HELD BY BANK AND USED BY ITS EMPLOYEES FOR  DISCHARGE OF THEIR FUNCTIONS
   Employees of the Bank while discharging various functions are guided by various policy documents/schemes of delegation of power , circulars issued from time to time and Board approved policies .Details of policy documents are also available on the Bank’s website www.jkbank.com under caption “Policy Document”
6. STATEMENT REGARDING CATEGORIES OF DOCUMENTS HELD BY BANK OR UNDER ITS CONTROL
   Bank maintains the mandatory register of shareholders and record of proceedings of  Annual General Meeting, Board Meetings, Committee meetings, Documents executed by customers/borrowers, guarantors/mortgagors  as well as contracts with third parties etc.
7. THE PARTICULARS OF ANY ARRANGEMENT THAT EXISTS FOR CONSULTATION WITH, OR REPRESENTATION BY, THE MEMBERS OF PUBLIC IN RELATION TO FORMATION OF ITS POLICY OR IMPLEMENTATION THEREOF IN J&K BANK
   There is no policy presently in vogue which seeks direct consultation or representation by the public in formulation of any policy or implementation thereof. However the policies are guided by excellence in customer service, profit orientation, fairness in dealings and transparency in polices and systems. While formulating such policies inputs are taken from the market and various committees have been formulated to devise policies which are customer friendly after taking inputs from the customers of the Bank during periodic customer meets. Board of Directors of the Bank is constituted of professionals who have vast experience in different fields and provide valuable inputs while formulating policies. Bank has appointed various committees for different purposes. Following are some of important committees managing the key affairs of the Bank.
• AUDIT COMMITTEE
• SPECIAL COMMITTEE OF BOARD ON FRAUDS (SCBF)
• INTEGRATED RISK MANAGEMENT COMMITTEE
• STAKEHOLDERS RELATIONSHIP COMMITTEE
• CUSTOMER SERVICE COMMITTEE
• NOMINATION & REMUNERATION COMMITTEE:
• CSR COMMITTEE
• INFORMATION TECHNOLOGY STRATEGY COMMITTEE
• INVESTMENT COMMITTEE
• HRD COMMITTEE
• LEGAL & IMPAIRED ASSETS RESOLUTION COMMITTEE
• GST STEERING COMMITTEE
8. BUDGET ALLOCATION
   Not Applicable to Bank
9. MANNER OF EXECUTION OF SUBSIDY PROGRAMMES INCLUDING AMOUNTS ALLOCATED AND THE DETAILS OF BENEFICIARIES OF SUCH PROGRAMMES
   There is no subsidy programs or plans for lending activities generally except for the targets for priority sector lending under interest subvention. Different schemes of advances of the Bank and their terms and conditions are available on Bank’s website www.jkbank.com
10. PARTICULARS OF RECEIPIENTS OF CONCESSIONS, PERMITS OR AUTHORIZATIONS GRANTED BY IT
    The Provision is not applicable to the Bank.
11. DETAILS IN RESPECT OF  INFORMATION , AVAILABLE TO OR HELD BY J&K BANK, REDUCED IN ELECTRONIC FORM
    All the general information regarding the deposits, advances and other services offered by the Bank are already made available in the website of the Bank www.jkbank.com.
12. PARTICULARS OF FACILITIES  AVAILABLE TO THE CITIZENS FOR OBTAINING INFORMATION INCLUDING WORKING HOURS , LIBRARY OR READING ROOM IF MAINTAINED FOR PUBLIC USE
    Customer care facility is available to the customers along with Board lines for seeking any information on www.jkbank.com under caption "contact us".