Investor Presentaiton

ACCLERATING DIGITAL DELIVERY Mpay More than 1.3 Million M-pay Customers with a YOY growth of 22%. New user-friendly M- Pay Delight App launched with multiple features. About 83K and 38L Credit and Debt card users with an average spend of Rs. 41K on credit cards. Credit/Debit Cards 000 About 60% of the total transactions are carried through digital channels. Digital Transactions About 89% of CASA Accounts are opened through Central Processing Centers. Account Opening J&K Bank 25

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