The Jammu & Kashmir Bank Limited

rs,

01 Scrip Code:532209 SUB:- PRESENTATION FOR CONFERENCE CALL SCHEDULED FOR JULY 28, 2025 Dear Sirs, Further to our letter no. JKB/BS/F3652/2025/069 dated July 16, 2025 and pursuant to Regulation 30 a

₹ 2.5 lakh crore

2nd RRB Bank Incorporated and Business Commences 1938-39 2010-2020 ▪ Total Business crossed ₹ 2.5 lakh crore in Fiscal 2025 with Advances crossing ₹ 1 lakh crore ▪ Hat-trick of record lifetime Annual Net Pr

₹ 1 lakh crore

938-39 2010-2020 ▪ Total Business crossed ₹ 2.5 lakh crore in Fiscal 2025 with Advances crossing ₹ 1 lakh crore ▪ Hat-trick of record lifetime Annual Net Profit with Net Profit of ₹ 2082 crores for FY 2024-25

₹ 2082 crore

ances crossing ₹ 1 lakh crore ▪ Hat-trick of record lifetime Annual Net Profit with Net Profit of ₹ 2082 crores for FY 2024-25 ▪ QIP of ₹ 750 crores completed in FY 2023-24 ▪ India Ratings has upgraded the Bank

₹ 750 crore

rick of record lifetime Annual Net Profit with Net Profit of ₹ 2082 crores for FY 2024-25 ▪ QIP of ₹ 750 crores completed in FY 2023-24 ▪ India Ratings has upgraded the Bank’s long-term issuer rating to INDAA-

₹10,000 crore

r rating to INDAA- from INDA+ with stable outlook. ▪ Market Capitalization and Net-worth crossing ₹10,000 crores 7/25/2025 4 Q1 FY2025-26 Performance at a Glance (YoY) Profitability/Efficiency Growth Capit

3.72%

a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) 3.72% (was 3.86%) RoA (Annualized) 1.17% (was 1.08%) Net Profit per Branch (Annualized) ₹ 1.90 crore

3.86%

Y) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) 3.72% (was 3.86%) RoA (Annualized) 1.17% (was 1.08%) Net Profit per Branch (Annualized) ₹ 1.90 crores (was ₹1.65

1.17%

ncy Growth Capital Adequacy Asset Quality NIM (Annualized) 3.72% (was 3.86%) RoA (Annualized) 1.17% (was 1.08%) Net Profit per Branch (Annualized) ₹ 1.90 crores (was ₹1.65 crores) CIR 60.78% (was

1.08%

Capital Adequacy Asset Quality NIM (Annualized) 3.72% (was 3.86%) RoA (Annualized) 1.17% (was 1.08%) Net Profit per Branch (Annualized) ₹ 1.90 crores (was ₹1.65 crores) CIR 60.78% (was 61.96%) 7

₹ 1.90 crore

lized) 3.72% (was 3.86%) RoA (Annualized) 1.17% (was 1.08%) Net Profit per Branch (Annualized) ₹ 1.90 crores (was ₹1.65 crores) CIR 60.78% (was 61.96%) 7/25/2025 Deposits ₹ 1,48,542 crores Up 12.1% Net

₹1.65 crore

3.86%) RoA (Annualized) 1.17% (was 1.08%) Net Profit per Branch (Annualized) ₹ 1.90 crores (was ₹1.65 crores) CIR 60.78% (was 61.96%) 7/25/2025 Deposits ₹ 1,48,542 crores Up 12.1% Net Advances ₹ 1,01,23