Investor Presentaiton

Key Performance Indicators Income Statement Q3 & 9M (FY2021-22) INR Million Balance Sheet Dec. 2021 J&K Bank Particulars Q3 2020-21 Q3 9M 9M 2021-22 2020-21 2021-22 Change % Particulars Dec 20 Mar'21 Sep'21 Dec'21 YoY % Assets (Total B.S) 1159977.5 1202919.5 1198304.9 1238094.0 7% Net Interest Income 10051.3 9932.9 28533.6 29357.3 3% Advances (Net) 665453.2 668417.3 683418.4 683659.4 3% Non-Interest Income 2716.5 1562.2 5409.0 5882.0 9% Investments 283322.0 308142.4 273729.4 295245.1 4% Operating Income 12767.8 11495.1 33942.6 35239.3 4% Fixed Assets 20104.8 20124.1 19764.9 19649.6 -2% Operating Expense 7133.1 8343.2 20973.8 24830.4 18% Paid Up Capital 713.6 713.6 933.0 933.0 31% Operating Profit 5634.7 3151.9 12968.8 10408.9 -20% Reserves and Surplus 64384.9 67542.5 76342.1 78081.6 21% Provisions & 4576.1 82.0 10489.0 4167.1 -60% Contingencies Borrowings 20162.9 20152.0 20141.0 20130.1 0% Deposits 1038042.3 1080611.5 1062673.5 1092984.0 5% Provision for Tax 399.2 1330.4 1316.1 2348.2 78% Profit After Tax 659.4 1739.5 1163.7 3893.6 235% JK Advances (Gr) 484221.2 JK Deposits 918423.9 497625.0 526199.5 532968.4 10% 950373.3 937208.1 964773.3 5% • Credit growth of over 10% in UTs of Jammu & Kashmir and Ladakh despite Covid effect. Lower growth in deposits owing to withdrawal of some Government Deposits. 10

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