Investor Presentaiton

Dominance of J&K Bank in JKUT INR Million JKB Share in J&K (Dec-2021)* Regional Dominance • 811 Branches / 1247 ATMs in J&K UT • Branch in every block of J&K UT and Ladakh UT • Over 10 Million account holders in J&K UT • Captive Clientele - J&K / Ladakh Government Employees & Pensioners • Lead Bank responsibility in 12 districts of J&K UT . Designated as UTLBC Convener for J&K UT • Business Share of ~63% in J&K • CD Ratio of 56% in J&K UT * Source: JK UTLBC data for Dec'2021 37% JK Bank Other SCBS 36% 37% 63% 64% 63% J&K Bank Deposits Advances Total Business J&K UT JK Bank Other SCBs Deposits 964773.3 562155.7 Total 1526929.0 Advances # 541508.2 300706.7 842214.9 Branches ATMs 811 1205 2016 1247 1365 2612 Including Corporate sector Advances= 4990.7 Million & Technical Write-Off = 3546.4 Million

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