Investor Presentaiton

Historical Performance Parameters Cont. Book Value Per Share (INR) Return on Equity 75.65 60.81 82.04 74.46 FY 18-19 FY 19-20 FY 20-21 9M 21-22 BVPS Return on Assets 0.49% 0.43% 0.38% FY 18-19 FY 19-20 FY 20-21 9M 21-22 -1.10% 7.27% 10.15% 7.68% FY 18-19 FY 19-20 FY 20-21 9M 21-22 -19.96% Cost to Income Ratio 70.46% 64.14% 64.11% 59.06% FY 18-19 FY 19-20 FY 20-21 9M 21-22 J&K Bank 13

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