Investor Presentaiton

Loans & Advances - Asset Quality & Diversification 61% of Standard rated Corporate Loan portfolio rated 'A' & Above. INR Million ADVANCES REGION WISE • Retail Advances constitute 68% of total Loan Book; Retail growth @ over 10% YOY . Personal Loans constitute 52% of Retail Book and 35% of Total Loan Book. J&K Bank 516334, 76% JK UT Rest of India . JK UT contributes 76% of the Loan Book (Net Advances). • J&K portfolio mostly granular / retail in nature. • • . Term loans contribute 66% of the credit portfolio while CC/OD & bills together account for 34%. Low Concentration: Top 20 borrowers account for < 13% of Total Loans. Out of the total Unrated Corporate PF, about INR 18000 Mio guaranteed by Central/UT Government. 167324, 24% Rating Profile- Standard Corporate Loans Advances Mix Region wise Bank 12% 12% 37% 11% 26% 3 3% ■ AAA Total Standard 24670, 17% 34165, 23% ■AA Corporate A ROI 3% 6% 16% 5% 68% 3% Loans: INR 147269 37577, 26% 11972, 8% BBB (a) Mio (Dec'2021) 28231, 19% BB&BELOW Unrated JK UT 15% 14% 45% 13% 11% 2% 10654, 7% AGRICULTURE TRADE PERSONAL SME ■CORPORATE ■ OTHERS 18 Rol = Rest of India i.e other than JK UT @ Agriculture includes all Advances to this sectorirrespective of amount (i.e. it also includes Loans above INR 50 Million

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