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Investor Presentaiton

Highlights - Dec 2021 J&K Bank ✓ One of the oldest Private Sector Bank. Founded 1938. ✓ ✓ Government of Jammu & Kashmir share holding of 70.12% | Listed on BSE & NSE Number of Branches: 974 BUS, 1394 ATMs & 25 Extension Counters. ✓ Largest presence JKUT - Network of 811 BUS, 1247 ATMs, Market Share of 64% in Advances 63% in Deposits and 40% in Branches ✓ Total Business: INR 1776.6 Billion.; Deposits: INR 1092.9 Billion. Net Advances: ✓ INR 683.6 Billion. Net Profit of INR 1739.5 million in Q3; INR 3893.6 million in 9-M period FY 2021-22. ✓ Capital Adequacy Ratio(CAR) is 12.38%. Founded: 01 October, 1938 Headquarters: Owner: Srinagar, Jammu and Kashmir J&K Government (70.12%) Listed Company, traded as; Website: NSE: J&KBANK | BSE: 532209 www.jkbank.com Shareholding Pattern 31 Dec'2021 1.65 1.96 2.6. Gross NPA: 8.93%; Net NPA 3.02% NPA Coverage Ratio: 81.45%. ✓ CASA ratio: 56.32%. (among best in industry)@ Credit Deposit Ratio: 62.55%. Workforce of 13,044 employees; average business per employee INR 133.7 Million. 23.67 ✓ ✓ Designated as RBI's agent for carrying out Govt. Banking Business for JKUT & Ladakh UT. Designated as Lead Bank in 12 Districts of JKUT. J&K UTLBC Convenor Bank. ✓ Sponsor Bank of one R R B (J&K Grameen Bank) & Holding Company of JKBFSL. Corporate Agency tie-up with PNB Metlife (Life Insurance), Bajaj Allianz & IFFCO Tokyo (General Insurance). Reviewed Dec'2021 figures @Source: RBI database 70.12 Government of J&K Indivisuals Bodies Corporate Indian Financial Institutions Others 5
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