Appointment

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/F3652/2026/076 Date: 15th July, 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:- APPOINTMENT OF MR. BANSI LAL SAINI AS CHIEF VIGILANCE OFFICER (CVO) OF THE BANK Dear Sir’s, Pursuant to Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please be informed that the Bank has appointed Mr. Bansi Lal Saini as Chief Vigilance Officer (CVO) for a period of three (3) years with effect from today i.e. 15th July, 2026. The details as required under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with SEBI Master Circular No. SEBI/HO/CFD/PoD2/CIR/P /0155 dated November 11, 2024 are enclosed herewith. This is for your information and appropriate dissemination. Thanking you Yours faithfully For Jammu and Kashmir Bank Limited (Mohammad Shafi Mir) Company Secretary 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 Details as required under the Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 read with SEBI Master Circular No. SEBI/HO/CFD/PoD2/CIR/P/0155 dated November 11, 2024 are given below: Name Mr. Bansi Lal Saini Reasons for change Appointment Date of July 15, 2026 Appointment/Cessation Term of appointment Three (03) Years Brief Profile Enclosed as Annexure I Disclosure of relationship between NA Directors inter-se Confirmation on the debarment of person NA appointed as director BANSI LAL SAINI Senior Banking Leader | Business Transformation | Audit & Risk 235/A Sainik Colony, Jammu (J&K) • +91-94191-87797 EDUCATION & PROFESSIONAL QUALIFICATIONS Academic Qualification Professional Certifications B.Sc. (Bachelor of Science) CAIIB | PGDCA | DIM EXECUTIVE SUMMARY A distinguished banking leader with over 30 years of leadership experience at State Bank of India, culminating as General Manager. Brings deep expertise across large-scale business operations, financial inclusion, risk management, and audit frameworks. Proven track record of managing high-value portfolios (₹1.5 lakh+ crore scale), large teams (5,000+ workforce), and extensive branch networks (500+ branches) while delivering consistent growth, operational excellence, and regulatory compliance. In the final assignment as General Manager (Circle Audit Office, Delhi Circle), successfully positioned audit as a strategic driver of business sustainability. CORE COMPETENCIES ▸ Audit, Risk Management & Regulatory ▸ Business Growth & Development Compliance ▸ Financial Inclusion & Govt Programme ▸ Internal Controls & Fraud Risk Implementation Management ▸ Multi-Geography Leadership (Urban, ▸ Retail, SME and Agriculture Banking Remote & Sensitive) ▸ Stakeholder Engagement (RBI, NABARD, ▸ Operational Excellence Govt Bodies) PROFESSIONAL EXPERIENCE General Manager | State Bank of India September 1995 – September 2025 General Manager – Circle Audit Office, Noida — Risk Oversight Leadership | June 2023 – September 2025 • Spearheaded audit operations for 1,652 branches of Delhi Circle (Delhi, Uttarakhand, and parts of Haryana & U.P.) — one of the Bank's largest and most critical regions. • Led a large team of Internal Auditors supported by Processing Officers, ensuring high-quality and meaningful audit execution. • Managed the end-to-end audit lifecycle, from compliance validation to closure, strengthening regulatory adherence. • Oversaw concurrent audit framework, including large branches and currency chests. • Strengthened internal control systems, audit quality, and compliance culture across the circle. General Manager – Network II, Bhopal — Large-Scale Business & Financial Inclusion Leadership | 2022 – 2023 • Headed operations across 31 districts of Madhya Pradesh, comprising 574 branches and 5,300+ employees. • Managed a business portfolio of ₹1.54 lakh crore: Deposits ₹1.09 lakh crore | Advances ₹45,000 crore. • Achieved market leadership: 32.84% share in deposits, 29.89% share in advances, CASA Ratio of 53.44%. • Oversaw 5,300+ Customer Service Points (CSPs), driving large-scale financial inclusion. • Ranked #1 PAN India in Financial Inclusion implementation, aligned with priorities of the Department of Financial Services, Ministry of Finance. • Recognised and felicitated as Member – Chairman Club, SBI (Top Performer in CVE Category). Deputy General Manager – Business & Operations, Noida — High-Intensity Urban Banking Leadership | 2021 – 2022 • Headed 200+ branches, managing a business portfolio of ₹92,000 crore. • Led a workforce of 2,000+ employees and supervised 764 CSPs. • Delivered strong performance in a highly competitive NCR banking environment. • Chairman Club Member – SBI's highest performance recognition (Top Performer in CVE Category). Deputy General Manager – Business & Operations, Uttarakhand (Dehradun) — Challenging & Strategic Regional Leadership | 2018 – 2021 • Managed ₹72,000 crore business portfolio across 270 branches in geographically sensitive terrain. • Served as Convenor – State Level Bankers' Committee (SLBC), Uttarakhand. • Played a key role in implementation of government-sponsored schemes. • Received multiple recognitions from RBI, NABARD, and State Administration. • Chairman Club Member – Top Performer in CVE Category. Earlier Leadership Roles – Across India — Remote, Strategic & Sector-Specific Exposure | 1995 – 2018 • Led operations in challenging terrain of Leh-Ladakh, Jammu & Kashmir, and Uttarakhand, ensuring continuity in extreme conditions. • Managed agriculture & retail business along with financial inclusion across central India. • Delivered multiple business turnarounds and growth acceleration initiatives. • Worked in operations across diverse geographies — from hilly terrain to Mumbai metro — spanning 28 of 30 years in service. KEY ACHIEVEMENTS • Managed ₹1.5 lakh+ crore business portfolio at peak responsibility levels. • Led large-scale workforce (5,000+) and extensive branch networks (500+). • Achieved top national ranking in Financial Inclusion (PAN India). • Consistent Chairman Club Member – SBI's highest performance recognition. • Strengthened audit and compliance culture in critical banking zones across India. • Successfully balanced aggressive business growth with strong risk management. LEADERSHIP PROFILE • Proven ability to align business strategy with internal control mechanisms. • Known for decisive leadership, integrity, and execution excellence. • Led large, multi-functional teams across diverse geographies and cultures. • Strong mentoring and people development orientation across career. • Proven ability to perform under pressure in sensitive and high-stakes environments.