Investor Presentaiton

A Key Channels & Ratios Key Ratios Month ☐ Pakista JAMMU AND KASHMIR ABL Industry Mar'20 Dec'19 Dec' 19 ROA (%) 1.1% 1.0% 1.5% ROE (Tier 1) (%) 17.9% 16.2% 12.3% Capital Adequacy Ratio (%) 23.0% 21.7% 17.0% Channels Mar' 20 Dec' 19 Growth Total Branches 1,388 1,395 (7) Conventional 1,271 1,278 (7) Islamic Total ATMs 117 117 1,549 1,515 34 On-site 1,201 1,186 15 Off-site 345 328 17 Mobile Banking Units 3 1 2 ATM Network Uptime (%) 97% 97% Islamic Windows 60 60 8

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