Serving To Empower

| Asset Quality | Categories of Advances December 31, 2022 Category Amount % of Gross Advances December 31, 2023 Amount % of Gross Advances 95.16 Standard 76,089 Sub-Standard Doubtful 882 92.75 1.08 89,012 498 0.53 3,857 4.70 3,160 3.38 Loss Gross Advances 1,207 1.47 868 0.93 82,035 100.00 93,538 100.00 % of Standard Special Mention Accounts Amount Amount % of Standard Advances Advances SMA O 13,805 18.14 17,319 19.46 SMA 1 5,071 6.66 3,614 4.06 SMA 2 2,592 3.41 2,252 2.53 Total SMA 21,468 28.21 23,185 26.05 All figures in crore except in percentage J&K Bank Serving To Empower 26 26

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