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Investor Presentaiton

Liability Trends . Highly Diversified and Stable Liability Franchise. • Top 20 depositors contribute just 8% of total deposits. • Inter-bank deposits less than 1.50%. Rest of India High roll over of maturing Term Deposits and insignificant premature withdrawals adds to stability of the deposits portfolio. Distribution-branches and deposits 163 128210.7 JK UT 811 964773.3 INR Million Maturity Profile Of Term Deposits 39103, 8% 26998, 6% 58534, 12% 0 to 1 year ■1 to 3 years J&K Bank 352749, 74% 3 to 5 years 5 years & Above Region wise Deposit Mix as on 31 Dec, 2021 Rest 21% 16% 63% UT Ladakh JK UT 0% 90 51% 47% 20% 40% 11% 21% 28% 43% 60% 80% 100% Savings Demand Time 17
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