The Jammu & Kashmir Bank Limited

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Scrip Code:532209 SUB:- PRESENTATION FOR CONFERENCE CALL SCHEDULED FOR OCTOBER 18, 2025 Dear Sirs, Further to our letter no. JKB/BS/F3652/2025/142 dated October 09, 2025 and pursuant to Regulation 3

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ding its exceptional services beyond these regions. TWO – Technical Write Off 3 Journey of 87 Years 2021-2025 ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG ▪ Licensed Status

₹ 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 4 Q2 FY2025-26 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy

3.56%

a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) 3.56% (was 3.90%) RoA (Annualized) 1.16% (was 1.41%) Net Profit per Branch (Annualized) ₹ 1.97 crore

3.90%

Y) Profitability/Efficiency Growth Capital Adequacy Asset Quality NIM (Annualized) 3.56% (was 3.90%) RoA (Annualized) 1.16% (was 1.41%) Net Profit per Branch (Annualized) ₹ 1.97 crores (was ₹2.18

1.16%

ncy Growth Capital Adequacy Asset Quality NIM (Annualized) 3.56% (was 3.90%) RoA (Annualized) 1.16% (was 1.41%) Net Profit per Branch (Annualized) ₹ 1.97 crores (was ₹2.18 crores) CIR 60.81% (was

1.41%

Capital Adequacy Asset Quality NIM (Annualized) 3.56% (was 3.90%) RoA (Annualized) 1.16% (was 1.41%) Net Profit per Branch (Annualized) ₹ 1.97 crores (was ₹2.18 crores) CIR 60.81% (was 54.56%) D

₹ 1.97 crore

lized) 3.56% (was 3.90%) RoA (Annualized) 1.16% (was 1.41%) Net Profit per Branch (Annualized) ₹ 1.97 crores (was ₹2.18 crores) CIR 60.81% (was 54.56%) Deposits ₹ 1,52,030 crores Up 10.2% Net Advances ₹