Investor Presentaiton

Income & Margins Highlights Net Interest Income 10051.3 9174.2 INR Million Net interest margins (%) 9932.9 3.88 9692.9 9731.4 3.74 3.65 3.62 3.43 Q3 20-21 Q4 20-21 Q1 21-22 Q2 21-22 Q3 21-22 Q3 20-21 Q4 20-21 Q1 21-22 Q2 21-22 Q3 21-22 Cost of deposits (%) Yield on advances (%) 4.04 8.85 3.78 3.67 3.66 3.65 Q3 20-21 Q4 20-21 Q1 21-22 Q2 21-22 Q3 21-22 8.44 8.29 8.34 8.05 Q3 20-21 Q4 20-21 Q1 21-22 Q2 21-22 Q3 21-22 Reducing Cost of Deposit, NIM at satisfactory levels J&K Bank 15

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