Investor Presentaiton

NPA Sector Wise Non-Performing Assets - Sector Wise Breakup as on 31.12.2021 INR Million J&K Bank 9M slippages in J&K INR 14063 Mio; Rol INR 7139 Mio Gross NPAs in J&K INR 27171 Mio; Rol INR 37917 Mio • JK GNPA ratio 5.10%; Rol 19.35% • NPA Breakup - Sub-Standard INR 13108 Mio (20%); Doubtful INR 37638 Mio (58%); Loss INR 14342 Mio (22%) Top NPAS include • Sector Gross Advances Exposure Gross % NPA GNPA % • Personal Finance 270407.1 37.10% 3574.0 1.32% Trade 96673.9 13.26% 7049.0 7.29% Agriculture 86213.1 11.83% 5398.7 6.26% Services 75073.2 10.30% 10784.5 14.37% • Manufacturing 66414.2 9.11% 9258.1 13.94% Infrastructure 62522.3 8.58% 13192.7 21.10% Financial Markets 33181.5 4.55% 11597.6 34.95% • Real Estate • 23311.8 3.20% 4094.5 17.56% Against Cash Collaterals 10273.9 1.41% 34.1 0.33% Others 4850.6 0.67% 104.7 2.16% TOTAL 728921.6 100% 65088.0 8.93% • IL&FS INR 12926 Mio • Aircel INR 3296 Mio KSK Mahanadi INR 3035 Mio Bharat Hotels INR 1940 Mio Sgr-Banihal Expressway INR 1931 Mio Paradise Avenue INR1581 Mio 20

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