Investor Presentaiton

Loans & Advances - NPAs Non-Performing Assets - Movement INR Million Particulars Q3 Q3 FY'22 FY'21 9M 9M FY'22 FY'21 % Change Balance at the start of the period 65248.6 63170.9 69547.5 76716.3 -9% • Additions during the period 8030.6 251.7 21202.1 1091.0 1843% Up gradations during the period 7156.2 463.8 15019.7 1510.2 895% Write off (including Tech Write-off) 19.7 13.4 7606.7 12154.1 -37% . Compromise Settlements 64.3 86.5 173.3 181.4 -4% Other Recoveries 951.1 898.3 Balance at the close of the period 65088.0 61960.6 2861.9 65088.0 61960.6 2000.8 43% 5% NPAs & Provisions • PARTICULARS JUN'21 SEP'21 DEC'21 Gross NPA 69637.3 65248.7 65088.0 Provisions for NPAs 49385.4 43744.2 43497.2 • DIFV, ECGC, Int. Capitalization 600.2 868.0 913.2 Net NPA 19651.7 20636.5 20677.6 * TWO = Technically Written Off J&K Bank • Last year (9M'21) slippages were low due to Covid Moratorium / Hon'able Supreme Court Order. During the 9M-period INR 7580 Mio NPA technically written off (9M FY'21 INR 12035 Mio ). Total stock of TWO* as on 31.12.2021 = INR 46381 Mio Top 10 TWO accounts aggregate to INR 24952 Mio Gross NPA below 9% & net NPA just a shade above 3% with PCR of 81%. Top ten NPAs account for INR 29571 Mio (45% of NPA portfolio) with provisions coverage of 80%. 28 cases are pending for resolution through NCLT, Total Amount- INR 25892 Mio with provision coverage of 96%. 19 Accounts under Liquidation process amounting to INR 14924 Mio (100% Provision) 19

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