Investor Presentaiton

Historical Performance Parameters Profit & Loss INR Million J&K Bank Balance Sheet Year ended Year ended Year ended 9M ended Particulars Particulars Year ended Year ended Year ended Mar' 19 DEC' 21 Mar' 20 Mar' 21 Mar' 19 Mar' 20 Mar' 21 DEC' 21 Capital 557.0 713.6 713.6 933.0 Interest Income 76755.6 84462.9 81110.9 60005.3 Reserves & Surplus 65704.0 63221.2 67542.5 78081.6 Interest Expense 42916.3 47396.2 43403.1 30648.0 Deposits Net Interest Income 33839.3 37066.7 37707.8 29357.3 Advances Non-Interest Income 8126.3 5459.2 7189.9 5882.0 Investments 896389.0 977882.3 1080611.5 1092984.0 662715.1 643990.7 668417.3 683659.4 231605.0 230522.4 308142.4 295245.1 Net Total Income 41965.6 42525.9 44897.7 35239.3 Total Assets (BS size) Total Business Operating Expenses 24786.6 27275.4 28785.4 24830.4 Gross NPA's Operating Profit 17179.0 15250.5 16112.3 10408.9 Net NPA's 1014062.9 1088721.0 1202919.5 1238094.0 1559104.1 1621873.0 1749028.8 1776643.4 62213.5 76716.3 69547.5 65088.0 32396.1 22438.2 19699.3 20677.6 Provisions & Contingencies 10581.7 26251.0 10771.6 4167.1 No. of Branches 940 955 955 974 Provision for Tax 1948.5 393.6 1019.5 2348.2 No. of ATMs 1291 1354 1383 1394 Net Profit 4648.8 -11394.1 4321.2 3893.6 Personnel 12604 12623 12307 13044 11

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