Serving To Empower

Key Strengths of the Bank J&K Bank Serving To Empower 1 Strong legacy, loyal customer base and an established brand with over 85 years of operations 2 Strong presence in fast growing region of J&K and increasing presence in other strategic regions 3 Healthy mix of retail in overall advances mix with focus on MSME and agriculture segment 4 Consistently growing deposit base with best in class low-cost retail CASA 5 Turnaround Story with increasing PCR and improvement in asset quality 6 Fast improving digital presence 7 Professionally managed Bank with experienced senior management team and board of directors J&K Bank Serving To Empower 13

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