Investor Presentaiton

A ^ Key Ratios & Channels Key Ratios Particulars Mar 22 Dec'21 Variance Return on Assets (%) 1.0% 1.0% 0.0% Return on Equity (Tier I) (%) 17.9% 16.5% 1.4% JAMMU AND Capital Adequacy Ratio (%) 22.4% 22.3% 0.1% KASHMIR Channels Mar' 22 Dec' 21 Growth Total Branches 1,429 1,429 Conventional 1,312 1,312 - Islamic 117 117 -O Pakista Total Automated Teller Machines (ATMs) 1,567 1,558 9 On-site 1,288 1,269 19 Off-site 274 284 (10) Mobile Banking Units 5 5 " ATM Network Uptime (%) 97.1% 96.6% 0.5% Digital Touchpoints 18 18 Digital vs Counter Transactions 67:33 65:35 2% Islamic Windows 110 110 11/22

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