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Investor Presentaiton

Overall Business Strategy 1 Business Plan • • 2 • • • Adoption & implementation of 3 - 5 year business plan Product strategy and roadmap on various business offerings Capital planning in line with the five year business plan Business Process Re-Engineering Identifying high-impact processes for optimization and re-engineering Maximizing IT intervention in business processes Define sales and marketing structure and associated processes 3 Digital Transformation • 4 Strategy for digital penetration and increasing usage Revisit of IT landscape and suggest transformation level HR Strategy and Organizational Transformation • . • . 5 Revisiting the overall organizational structure HR Strategy including manpower planning, career development, trainings, performance management and succession planning Defining of job roles Competence requirements and mapping with job roles Compliance Review of gaps in Compliance function and processes, and bring improvements therein; Target Regulatory Rating of 'B' J&K Bank 28
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