Investor Presentaiton

Liability Trends Deposit Mix 466362 477368 472893 466848 474596 475540 453356 469943 472401 483552 CASA Ratio (%) 54.44 INR Million J&K Bank 56.84 56.32 55.83 55.34 111793 138708 120096 115675 126063 Q3 20-21 Q4 20-21 Q1 21-22 ■Demand Deposits ■Savings Deposits Q2 21-22 ■Term Deposits Q3 21-22 Q3 20-21 Q4 20-21 Q1 21-22 CASA + Retail term Deposits (%) Q2 21-22 Q3 21-22 • Sustained improvement in CASA, at 56.32% (among the best in industry)@. Share of CASA & Retail Term Deposits at all time high of 87.22% • Demand Deposit component growth YoY 13%. • Main contributor of deposits in JK UT, 88% share. • Proportion of CASA deposits improving in rest of India. 84.42% • Liquidity Coverage Ratio: over 300% (well above regulatory requirement). Q3 FY2021 @ Source: RBI Website / Database 87.22% 86.46% 86.58% 86.39% Q4 FY2021 Q1 FY2022 Q2 FY2022 Q3 FY2022 16

View entire presentation