Investor Presentaiton

Investment Book Investment - Dec' 21 15644.1 Dec'31,20-21 9515.0 Dec'31,21-22 NON SLR SECURITIES SLR NPIS: INR 7128 Mio 267677.9 Prov. Ag NPIs: INR 6364 Mio Coverage 89% Duration (Yrs) - Investment Portfolio Dec'21 INR Million B&D - Rating Profile in Percent (Dec'21) 8.46% J&K Bank 285730.1 * Investment predominantly in SLR securities; 97% 18.18% AAA 55.67% 17.69% AA A BB & Below Yield (%) - Investment Portfolio (Qr Dec'21) 5.93 5.84 * HTM 75%; 2.58 2.09 0.59 AFS 25% HTM Portfolio HFT Portfolio AFS Portfolio Overall Portfolio B&D= Bonds & Debentures; HTM = Held till Maturity; AFS= Available for Sale; HFT = Held for Trade 2.49 5.64 SLR Securities Non SLR Securities Total Portfolio 22

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