JAMMU & KASHMIR BANK LTD.

rs,

ip Code:532209 SUB:- PRESENTATION FOR INVESTOR MEET SCHEDULED FOR 18TH TO 20TH MAY, 2026 Dear Sirs, Further to our letter no. JKB/BS/F3652/2026/039 dated May 13, 2026 and pursuant to Regulation 30 an

59.40%

r states & UTs Governments of J&K and Ladakh are the Promoters, with a collective shareholding of 59.40% Market Leaders in J&K and Ladakh with market share of over 60% of banking business in J&K and over

60%

ith a collective shareholding of 59.40% Market Leaders in J&K and Ladakh with market share of over 60% of banking business in J&K and over 56% in Ladakh The Bank has a wholly owned subsidiary called JK

56%

Market Leaders in J&K and Ladakh with market share of over 60% of banking business in J&K and over 56% in Ladakh The Bank has a wholly owned subsidiary called JKB Financial Services Limited and is also

11%

to 20th May, 2026 2019-2020: CHALLENGING CIRCUMSTANCES • Elevated NPA Levels with GNPA touching 11% • Inadequate provisioning with PCR below 65% • Waning Investor confidence • Financial distress

65%

UMSTANCES • Elevated NPA Levels with GNPA touching 11% • Inadequate provisioning with PCR below 65% • Waning Investor confidence • Financial distress with net loss of • Governance & Compliance iss

Rs.1139 crore

aning Investor confidence • Financial distress with net loss of • Governance & Compliance issues Rs.1139 crores • Capital Adequacy under pressure, below the minimum required of 11.5% • Depressed market capita

11.5%

Compliance issues Rs.1139 crores • Capital Adequacy under pressure, below the minimum required of 11.5% • Depressed market capitalization with share price touching a low of Rs.11.50 Domestic Non-Deal R

Rs.11.50

the minimum required of 11.5% • Depressed market capitalization with share price touching a low of Rs.11.50 Domestic Non-Deal Roadshow • Issues in hiring, credit underwriting and contract awarding • Bank

58%

26 TURNAROUND – THE NUMBERS SPEAK Business (In Rs. Crores) Net Profit (In Rs. crores) 1,67,715 58% 60% 60% 42% 40% 40% 59% 41% 2,55,554 2,90,335 57% 58% 58% 42% 42% 43% Mar-20 Mar-2

42%

– THE NUMBERS SPEAK Business (In Rs. Crores) Net Profit (In Rs. crores) 1,67,715 58% 60% 60% 42% 40% 40% 59% 41% 2,55,554 2,90,335 57% 58% 58% 42% 42% 43% Mar-20 Mar-21 Mar-22 Mar-

40%

NUMBERS SPEAK Business (In Rs. Crores) Net Profit (In Rs. crores) 1,67,715 58% 60% 60% 42% 40% 40% 59% 41% 2,55,554 2,90,335 57% 58% 58% 42% 42% 43% Mar-20 Mar-21 Mar-22 Mar-23 M

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Bank’s Long- Term Issuer Rating upgraded from A+ to AA- with stable outlook (in 2024) Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Apr-26 Bank Nifty (Index/500) J&K Bank QIP oversubscribed 34x Rs.750 crores raised via QIP in FY 2023-24 Domestic Non-Deal Roadshow 9 9 18th to 20th May, 2026 STRONG REGIONAL PRESENCE AND INCREASING NATIONAL PRESENCE 878 Branches in J&K and Ladakh (JKL) 139 Branches outside JKL 1437 ATMs 22 States / UTs Urban, 10.6%, Semi Urban, 17.1%, Metro, 18.1%, Branch Distribution Network Rural, 54.2%, Rest of India, 37.0%, Gross Advances J&K and Ladakh, 63.0%, Rest of India, 13.1%, Total Deposits J&K and Ladakh, 86.9%, 10 Domestic Non-Deal Roadshow 18th to 20th May, 2026 EXPERIENCED BOARD OF DIRECTORS Mr. AMITAVA CHATTERJEE (MD & CEO ) •Illustrious career in banking spanning over more than three decades in diverse geographical locations and strategic positions •Served as DMD SBI and MD & CEO of SBI Capital Markets Mr. SHAILENDRA KUMAR (IAS) •Currently serving as Financia