Investor Presentaiton

Loans & Advances - Restructured Loans Restructured Loans - Dec'21 INR Million Sector-wise re structured Loans - Dec'21 Particulars Standard NPA Total Restructured 5000 J&K 4000 Amount Prov. Amount Prov. Amount Prov. 3000 Flood 2014 Unrest 2016 368.6 36.9 4980.7 3702.0 5349.3 3738.8 2000 Rehab-2019 1699.0 173.9 65.9 9.5 1764.9 183.4 1000 0 Resolution Framework 1 & 2 4401.3 647.8 21.2 3.4 4422.5 651.2 Others 1485.6 146.7 4427.0 3059.8 5912.5 3206.5 TOTAL J&K 7954.5 1005.2 9494.8 6774.8 17449.2 7780.0 Rest Resolution Framework 1 & 2 5124.0 755.6 1946.9 428.5 7070.9 1184.1 Others TOTAL REST 1779.2 176.1 5581.8 3651.0 7361.0 3827.1 6903.2 931.7 7528.7 4079.5 14431.9 5011.2 GRAND TOTAL (BANK) 14857.6 1936.9 17023.5 10854.3 31881.2 12791.2 J&K Bank AGRI MFGN REALE SERVC TRADE OTHERS Standard 1520.3 2459.5 947.6 3571.8 4174.4 2184 ■NPA 1255.9 3363.8 1985.7 4240.1 1289.1 4888.7 Standard ■NPA • 93% of JK (Flood 2014 & Unrest 2016) Restructured portfolio already classified as NPA Standard restructured portfolio remaining as on 31.12.21 is INR 14858 Mio (mostly on account of recent Covid-19 restructuring) against which 13% provisions are held. New restructuring during 9M'FY22 (Covid, RF 1-2) is INR 13674 Mio 21

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