Investor Presentaiton

A ^ Key Ratios & Channels Key Ratios Pakista JAMMU AND KASHMIR Particulars Dec'22 Dec'21 Variance Return on Assets (%) 1.0% 1.0% 0.0% Return on Equity (Tier I) (%) 18.4% 16.5% 1.9% Capital Adequacy Ratio (%) 19.7% 22.3% -2.6% Channels Dec' 22 Dec' 21 Growth Total Branches 1,453 1,429 24 Conventional 1,336 1,312 24 Islamic 117 117 Total Automated Teller Machines (ATMs) 1,572 1,558 14 On-site 1,296 1,269 27 Off-site 271 284 (13) Mobile Banking Units 5 5 ATM Network Uptime (%) 95.86% 96.65% -0.79% Digital Touchpoints 18 18 Digital vs Counter Transactions 74:26 65:35 9% Islamic Windows 135 110 25 11/21

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