Investor Presentaiton

Income & Expenditure Highlights Income Highlights Q3/9M Dec 2021 INR Million Expense Highlights Q3/9M Dec 2021 J&K Bank Interest Income Q3 FY'22 Q3 FY'21 9M 9M Change FY'22 FY'21 % Interest Exp Q3 FY'22 Q3 FY'21 9M FY'22 9M FY'21 Change % Loans And Advances Investments 15345.0 15764.7 45180.4 46336.9 4087.9 4258.0 12429.6 12910.1 -2% Deposits 9764.5 10212.4 29148.5 31561.1 -8% -4% Borrowings 3.2 Balance with RBI and 3.2 8.8 10.0 -12% Other Banks 761.9 740.7 2389.7 2348.0 2% Others (Subordinated Debt) Others 497.0 496.8 1490.7 1490.6 0% Total 2.9 0.3 5.6 0.3 1767% 20197.7 20763.7 60005.3 61595.3 -3% Total 10264.7 10712.4 30648.0 33061.7 -7% Q3 Non-Interest Income FY'22 Q3 FY'21 9M FY'22 9M Change FY'21 % Non-Interest Exp. Payment for Q3 FY'22 Q3 FY'21 9M FY'22 9M Change FY'21 % Commission/Exchange Employees 6118.0 282.9 468.9 928.9 1070.8 -13% Insurance Commission 163.2 122.5 414.2 316.4 31% Other Expenditure Total 2225.2 5044.8 2088.3 8343.2 7133.1 18216.1 15143.8 20% 6614.3 5830.0 13% 24830.4 20973.8 18% Treasury/Trading • Income 59.0 1495.3 1355.6 2545.3 -47% Miscellaneous Income 1057.1 629.8 3183.3 1476.5 116% Total 1562.2 2716.5 5882.0 5409.0 9% Cost of deposits further moderated to 3.66% for 9-M period'22 (PY 4.21%) resulting in lower interest expense. Distinguishable growth in income from Insurance distribution business. Non-Interest income lower due to drop in Treasury income 14

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