J&K Bank's diverse and rich culture is abundantly evident in its Board Members, who provide direction to the Bank in order to achieve its vision. A brief profile of our eminent Board Members is as under:

Born in 1964, Mr. Parvez Ahmed joined the bank in 1998 as Company Secretary. Rising through ranks swiftly he became General Manager (President) in 2006. Since 2011, he was Executive President of the Bank.
His areas of expertise and experience include Strategic Planning, Corporate Governance, Compliance, Risk Management; Credit Management, Treasury Operations, Bancassurance, Finance and Taxation.
Well versed in the bank’s policy matters, he has worked closely with all the Chairmen of the Bank from 1998. Heading business operations at zonal levels in the state earned him rich experience not only in strategic planning but business operations as well. 

Heading the Investor Relations Department since 1998, he has got superb rapport with prominent Foreign Institutional Investors (FII’s) across the world resulting in creation of the Quality Investor Base and increase in FII’s shareholding of the bank to 34.92 pc. He successfully managed the bank’s maiden public issue earlier in his career.
Credited with initiating and guiding the Apple Finance project which transformed the financial landscape of horticultural sector, he has also successfully accomplished all the targets despite difficult conditions under PMJDY- the flagship scheme of Central Government.

Considered as an efficient task master inside the bank can be one of his biggest strengths as chairman in coming times. His other strengths as a good leader include patient listening, keen observation, affable personality and decisive action.

Despite the disturbing legacy of Non-Performing Assets (NPAs), complete breakdown of life and economy across the valley for last three months and the sluggish pace of economic recovery in the country; Mr. Parvez Ahmed remains poised to face the challenges with matching patience and perseverance.

Career Highlights:

  • Senior most  banker in the J&K Bank
  • Expertise in Strategic and Operational planning, Credit Management, Core Governance, Compliance, Treasury Operations, Risk Management and Investor Relations.
  • Pioneer in introducing global best practices in management systems.
  • Overseen the integration of technology with business processes for better customer focus and efficient risk management.
  • Initiated and guided Apple Project, one of the most successful financing projects of the bank in recent times. (Appreciated even in Harvard Business School publication)
  • Managed to accomplish all the targets under PMJDY Scheme.


Mr. Navin K. Choudhary is serving the Govt. of J&K as Finance Secretary, since May, 2015. Prior to this, he was serving as Joint Secretary (Planning and International Cooperation) in the Ministry of Defence.

Mr. Navin K. Choudhary belongs to the Indian Administrative Service. As a civil servant he has, in the last 21 years or so, undertaken a variety of assignments in the Government of India and in the Jammu & Kashmir (State Government). His postings include in the Ministry of Finance (as Director in the Department of Economic Affair) and in the International Monetary Fund (IMF) as Advisor to the Executive Director, where he has served for more than 3 years.

Mr. Navin K Choudhary holds a Post Graduate degree in Economics.


Shri Yogesh Kumar Dayal is a career central banker who has worked with RBI in various capacities for nearly 20 years. Shri Y. K. Dayal holds a Master's Degree in Business Administration and is a Certified Associate of the Indian Institute of Bankers (CAIIB) besides acquiring certifications like AML a. KYC, CeITS, CCFM, CeISB from IIBF. Shri Dayal has held several positions in RBI's various Offices, including Central Office at Mumbai in Monetary Policy Department and Department of Banking Supervision as well as Regional Offices at Bangalore, New Delhi and Lucknow in the departments of Banking Supervision, Information Technology, Currency Management and Payment and Settlement System.


Mr. Azhar-Ul-Amin, aged 55 years, B.Sc. LLB (Hons) is an Advocate by profession with 30 years of practice at the High Court of Delhi, High Court of J&K and Supreme Court of India, having expertise in Civil, Criminal, Constitutional, Labour, Company and Service Laws. 
Mr. Azhar-Ul-Amin was appointed as Additional Advocate General for state of J&K in 2008/2009 and has represented prestigious constitutional and statutory institutions like National Human Rights Commission, J&K Public Service Commission, J&K Subordinate Service Selection Board, J&K Pollution Control Board, as Advocate.  He has remained Counsel for Department of Home, J&K, Department of Forest, J&K, Craft Development Institute, Srinagar and Union of India.  He has conducted high stake civil and constitutional matters.  He has remained main Counsel in high stake arbitration matters for and on behalf of the State of J&K and other clients.


Mr. Abdul Majid Mir, has 38 years of experience in Banking. Mr. Abdul Majid Mir has held various important and senior positions in the J&K Bank Ltd, as part of its Corporate Management Team including being Executive Director of the Bank from 01-05-2008 to 30-06-2011. He has special knowledge and practical experience in the fields of Finance, Credit, Trade Finance, Foreign exchange, Treasury, Corporate and Retail Banking, Deposits & Liability Management & Risk Management.


Mohammad Ashraf Mir, aged 58 years, is a first generation entrepreneur with 34 years of experience as a successful industrialist, contractor and businessman. He started his career with M/s Indian Steel & Metal Industries in the year 1982 and is its proprietor. Mr. Mir is also an “A” class contractor and is known for doing many prestigious projects across the state.  

Mr. Mir has remained in Executive Council of Federation Chamber of Industries Kashmir (FCIK) for last 20 years and currently serves as the President. He has also served the FCIK as its Senior Vice President, President Industrial Association Sanat Nagar and President SICOP Unit Holders’ Association.

Currently Serving FCIK as its President he is also a board member of J&K Small Scale Industrial Development Corporation Ltd (SICOP) and J&K State Industrial Development Corporation(SIDCO). He is also a member of many State Level Apex committees constuted by government from time to time.


Mr. Mohammad Maqbool Rather  is a Post graduate in Economics (1964).  He has served on various prominent positions.  He joined the Government Service as Assistant Registrar Co-operative Societies (1968-1978) and also worked  in Agriculture Production, Rural Development, Education and planning Deptts at District level and state level.

As Assistant Registrar Co-operative Societies his main job was to organize and supervise co-operative societies in his jurisdiction. He also had to assist district co-operative Bank Baramulla in the advancement and recovery of loans at the Distt. Level. He was associated with Development Commissioners and has assisted lead bank officers in the formulation and monitoring of district action credit plan.

He Retired as Joint Director Planning Department.  As Joint Director, Planning Department, he has facilitated state level officers in referring cases to NABARD for seeking loan assistance for implementation of various development schemes which required adequate financial support from NABARD

In recognizition of his meritorious services he was inducted by the Government in KAS Time scale.