Integrated Annual Report 2025-26 (Revised)

Jammu and Kashmir Bank Limited Corporate Headquarters T +91 (0)194 248 3775 W www.jkb.bank.in M A Road, Srinagar 190001 F +91 (0)194 248 1928 E board.sectt@jkbmail.com Kashmir, India CIN: L65110JK1938SGC000048 Board Secretariat Ref:- JKB/BS/F3652/2026/135 Date: 23rd September, 2026 National Stock Exchange of India Limited The BSE Limited Exchange Plaza 5th Floor Phiroze Jeejeebhoy Towers Plot No. C/1 G-Block Dalal Street Bandra Kurla Complex Mumbai – 400 001 Bandra (E) Mumbai – 400 051 Scrip Code:532209 Symbol: J&KBANK Sub: - Integrated Annual Report 2025 – 26 (Revised) Dear Sirs, In continuation to our letter no. JKB/BS/F3652/2025/109 dated 29th August, 2026 regarding Integrated Annual Report of the Bank and pursuant to Regulation 34 and 53 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith a revised copy of Integrated Annual Report 2025-26 for the 88th Annual General Meeting of the Bank. The same is also available on the website of the Bank at: https://jkb.bank.in/Investor/financial-information/annual-reports This is for your information and appropriate dissemination. Thanking you Yours f aithfully For Jammu and Kashmir Bank Limited (Mohammad Shafi Mir) Company Secretary ON THE COVER The visual begins with a vibrant mandala rooted in the regional identity of Jammu, Kashmir and Ladakh, symbolising the rich heritage, traditions and cultural bonds that have shaped the Bank’s journey. This foundation gradually evolves into a technology-led layer, representing the Bank’s journey towards digitalisation and transformation, while staying connected to the values that have guided it for generations. The narrative then expands into banking, policies, governance and institutional strength, reflecting the systems, relationships and principles that build trust and enable growth. The outer layer represents sustainability, health, community well-being and social impact, highlighting the Bank’s focus on creating lasting value and building a more resilient, inclusive future for the communities it serves. Together, the intricate layers bring to life the Bank’s journey, grounded in Trust, guided by Tradition and propelled by Transformation; to create sustained growth and value for generations to come. Motif used in Needle Motif used in Khatamband Motif used in Multiple Work (Phulkari) Work (Woodwork) Mediums (Endless Knot) in Jammu in Kashmir in Ladakh Forms the foundation, symbolising the Bank’s rich heritage and enduring legacy QUICK INFORMATION S. No. Particulars Details 1. Day, Date and Time of AGM Tuesday, September 22, 2026 at 11:00 A. M. 2. Venue Sher-i-Kashmir International Conference Centre (SKICC), Srinagar, J&K - 190001 3. Cut-Off Date for E-Voting Tuesday, September 15, 2026 4. Remote E-Voting Start Date and Time Saturday, September 19, 2026 at 09:00 A.M 5. Remote E-Voting End Date and Time Monday, September 21, 2026 at 05:00 P.M 6. Remote E-Voting Website www.bigshareonline.com 7. Name of E-Voting Service Provider M/s Bigshare Services Private Limited 8. Name of Registrar to an Issue and Share M/s Bigshare Services Private Limited Transfer Agent 9. Name of Scrutinizer CS Ghulam Jeelani Reshi MD & CEO presenting the annual dividend cheques to the J&K Bank employees contribute H 4.10 Cr to CM's Relief Hon'ble Lieutenant Governor, Shri Manoj Sinha, in the Fund for flood victims in UT presence of senior UT Administration officials Hon'ble Lieutenant Governor Shri Manoj Sinha Inaugurating J&K Bank and DoPPW sign MoU to expand pension related Bank's Regional Business Centre at Rail Head Complex in services in Jammu and Kashmir 2026 Jammu Celebrating 88th Foundation Day of the Bank MD & CEO Inaugurates Centralised Processing Centre MD & CEO inaugurates Centralized Processing Centre at in Srinagar Zonal Office Delhi A glimpse of Workshop on Electronic Negotiable Warehouse Chief Secretary J&K, Shri Atal Dulloo (IAS) chairing Receipts in collaboration with WDRA & NERL 18th Meeting of UTLBC 87th Annual General Meeting of shareholders Celebrating Success: JKB Financial Services crosses Idea exchange at HNI Customer Meet in Jammu H 400 Cr milestone in Mutual Fund Asset Management J&K Bank shines at Finacle Innovation Awards 2026, wins J&K Bank ranked 2nd among old private sector banks in the Gold for AI-driven Analytics - 2026 country Heart Clinic on Wheels-J&K Bank dedicates Mobile J&K Bank sweeps Cyber Security Awards at IBA CISO Cardiac-care Unit to the people under its CSR Initiative Summit & Citations - 2025, wins in all four categories among Private Sector (Medium Size) Banks J&K Bank celebrates 77th Republic Day Hon'ble Lieutenant Governor, Shri Manoj Sinha unveils J&K with patriotic fervour Bank Wall Calendar - 2026 Mega Camp on Financial Inclusion Swatch Bharat Abhiyan: Cleanliness drive under at Satwari, Jammu 'Sewa Parv -2025' Committed to youth empowerment, J&K Bank organizes Tech Step Ahead: API based Open Banking Services for Roz-e-YUVA-Udyami YUVA Day across J&K corporates introduced WHAT’S INSIDE INTRODUCTION 02 About the Report 03 Integrated Thinking 04 Trust, Tradition, Transformation 08 Highlights of the Year ABOUT JAMMU AND KASHMIR BANK 10 Corporate Portrait 12 Business Review Read about us and our business segments 16 Key Strengths on PG 10 18 Built on Trust, Reaching Further 20 Chairman's Message 24 MD & CEO's message 28 Executive Director's message 30 Board of Directors VALUE CREATION PROCESS 38 Leadership Team 50 Value Creation Model 48 Awards and accolades 52 Stakeholder Engagement 54 Materiality Assessment Read how we engage with our stakeholders on PG 52 PERFORMANCE REVIEW CREATING VALUE RESPONSIBLY 58 External Environment 74 ESG Strategy 60 Vision 2030 78 Environment 68 Key Performance indicators 88 Social – Customers 70 Risk Management 97 Social – Employees 100 Social – Communities 123 Governance Read about our strategy and VISION 2030 on PG 60 STATUTORY REPORTS 132 Management Discussion and Analysis 144 Directors' Report 190 Report on Corporate Governance 224 Business Responsibility and Sustainability Reporting (BRSR) FINANCIAL STATEMENTS 266 Standalone 348 Consolidated 432 NOTICE OF AGM ABOUT THE REPORT We are pleased to present our first Integrated Annual Report. This Report offers a comprehensive overview of Jammu and Kashmir Bank Limited's (hereinafter referred to as ‘we’, ‘us’, 'our' and 'our Bank') approach to creating long-term value for our stakeholders. Alongside our annual financial performance, the Report highlights the progress against our strategic priorities, sustainability commitments and non-financial performance. It also provides insights into our operating environment, risk management framework and governance practices, while defining the ESG priorities that shape our decisions and support the Bank’s long-term resilience and growth. Reporting cycle Reporting scope Responsibility statement 1st April 2025 to This Report presents information The content presented in this Report that is relevant to all stakeholders has been reviewed and approved by our 31st March 2026 and provides a comprehensive senior management. This governance overview of our operations and process ensures that the information Reporting principles and performance. It highlights matters disclosed is accurate, comprehensive framework that significantly affect our ability and aligned with the principles and to create long-term value and requirements of the Integrated The financial information presented offers insights to support informed Reporting <IR> Framework. in this Report has been prepared in decision-making by the providers of accordance with the requirements our financial capital. • The Companies Act, 2013 (including the rules framed Assurance statement thereunder) Reasonable assurance on the Core • The Companies (Accounting KPIs presented in the BRSR and Standards) Rules, 2021 the Integrated Annual Report has • The Securities and Exchange been undertaken by M/s SR Asia. Board of Ind [Showing first 8,000 characters — download PDF for full document]