Analysts/Institutional Investor Meet/Con. Call Updates

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/F3652/2026/171 Date: 22nd October, 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:- PRESENTATION FOR CONFERENCE CALL SCHEDULED FOR OCTOBER 22, 2026 Dear Sirs, Further to our letter no. JKB/BS/F3652/2026/161 dated October 14, 2026 and pursuant to Regulation 30 and 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing Presentation for conference call with analysts and investors in connection with the Reviewed Financial Results of the Bank for the Quarter and Half Year ended September 30, 2026 and the same can also be accessed at: https://jkb.bank.in/investor/stockExchangeIntimation/investorrelations This is for your information and appropriate dissemination. Thanking you Yours f aithfully For Jammu and Kashmir Bank Limited (Mohammad Shafi Mir) Company Secretary Investor Presentation for Quarter & Half Year Ended September 30, 2026 Disclaimer The Jammu and Kashmir Bank has created this presentation exclusively for general informational reasons, disregarding any individual's informational demands, financial circumstances, or special goals. Except for the historical information contained herein, statements in this presentation that contain terms or phrases like "is," "aims," "will," "would," "indicating," "expected to," "guidance," "way forward," "expected," "estimate," "objective," "goal," "strategy," "philosophy," "project," etc., and similar expressions or variations of such expressions may constitute ‘forward- looking statements’. Several risks, uncertainties, and other factors are included in these forward-looking statements, and they have the potential to cause actual results to differ materially from those predicted by the statements. While the Bank has made reasonable assumptions to support the forward-looking statements, if any, in this presentation, there are still risks and uncertainties that could affect the Bank's ability to successfully implement its strategy, such as the dynamic and complex internal and external environment, which includes but is not limited to market, business, legal risks/changes in law, etc., future levels of non- performing loans, the Bank's growth and expansion in business, the impact of any acquisitions, the adequacy of its allowance for credit losses, its provisioning policies, the actual growth in demand for banking products and services, investment income, and cash flow projections. Note: “All financial figures in the presentation are from Audited Financials/Limited Reviewed financials and/or upon the forward-looking statements based on Management estimates. Anyone who relies on these financial data does so at their own risk and responsibility, and the Bank is not responsible for any gains or losses that result from this use of the data”. Jammu and Kashmir Bank Limited – Oldest Private Sector Bank in India • Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938, 310347 303923 and today caters to a wide range of customers including retail, corporate, 290335 (₹ CRORE) 272109 agricultural, and MSME. 259973 130503 133551 124981 • Widespread Branch Network: 1008 Branches, of which 835 are operating 116248 107943 in the UT of J&K, 37 in the UT of Ladakh and 136 branches across 20 other states/UTs. • The Govt of UT of J&K is a majority holder, however the Bank enjoys full operational autonomy. The Bank has a wholly owned subsidiary called JKB 152030 155861 165354 173420 176796 Financial Services Limited and is also the Sponsor bank of Jammu and Kashmir Grameen Bank. Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 • Strong market presence and designated as Agency Bank by RBI for Deposits Gross Advances Business conducting government banking in UTs of J&K and Ladakh. • The Bank has 11,651 regular employees and 203 contractual employees. 798 • Bancassurance tie ups with LIC, PNB MetLife, Bajaj Life, SBI Life and HDFC Life for Life Insurance and Bajaj General Insurance, IFFCO Tokio and New Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 India Assurance for General Insurance. J&K Bank stands as a pillar of support for the local communities while also extending its exceptional services beyond JKL region. Journey of 88 Years 2021-2026 ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG Listing on Stock 2000s Exchanges Bank ▪ Licensed Status 1980s ▪ Total Business crossed ₹ 3 trillion in Q1 FY2026-27. Incorporated ▪ Sponsored RRB 2010-2020 ▪ Record profit for four consecutive years with highest and Business ever profit of ₹ 2,363 crore for FY 2025-26. Commences ▪ QIP of ₹ 750 crores in FY 2023-24 oversubscribed 34x. ▪ IT Developed to offer 1990s ▪ India Ratings has upgraded the Bank’s long-term issuer Internet Banking rating to INDAA- from INDA+ with stable outlook. ▪ Tied up with an MNC for 1970s ▪ Net-worth crossed ₹16,000 crores. Bancassurance ▪ Sponsored 2nd RRB 1938-39 Q2 FY2027 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality Net Profit Deposits CET-1 GNPA ₹ 546 crores ₹ 1,76,796 crores 13.88% 2.23% Up 10.6% Up 16.3% (was 12.11%) (was 3.32%) Net Advances Tier I NNPA 3.17% ₹ 1,31,234 crores 14.73% 0.51% (was 3.56%) Up 24.8% (was 0.76%) (was 13.06%) RoA Net Investments CRAR PCR 1.07% ₹ 45,940 crores 16.57% 91.76% (was 1.16%) Up 3.2% (was 15.27%) (was 90.39%) CIR Total Business Gross Slippage Ratio Net Worth 56.57% ₹ 3,10,347 crores 0.35% ₹16,108 crores (was 60.79%) Up 19.4% (was 0.89%) Up 15.4% Profit & Loss Account Q2 Q1 Q2 % Change % Change H1 H1 % Change Particulars FY 2026 FY 2026 FY 2027 FY 2027 YoY QoQ FY 2026 FY 2027 YoY Interest Earned 3,291.82 3,546.00 3,727.09 13.2% 5.1% 6,560.09 7,273.09 10.9% 13,145.19 Interest Expended 1,857.83 2,048.88 2,224.78 19.8% 8.6% 3,660.67 4,273.66 16.7% 7,269.42 Net Interest Income 1,433.99 1,497.12 1,502.31 4.8% 0.3% 2,899.42 2,999.43 3.4% 5,875.77 Other Income 153.76 214.02 314.90 104.8% 47.1% 402.55 528.92 31.4% 939.85 Operating Income 1,587.75 1,711.14 1,817.21 14.5% 6.2% 3,301.97 3,528.35 6.9% 6,815.62 Operating Expenses 965.13 1,007.86 1,028.07 6.5% 2.0% 2,006.51 2,035.93 1.5% 3,829.13 Operating Profit 622.62 703.28 789.14 26.7% 12.2% 1,295.46 1,492.42 15.2% 2,986.49 Provisions & Contingencies (10.93) 84.04 72.34 761.8% (13.9%) 4.16 156.38 3659.1% 28.62 Profit Before Tax 633.55 619.24 716.80 13.1% 15.8% 1,291.30 1,336.04 3.5% 2,957.87 Provision for Tax 139.44 195.06 170.44 22.2% (12.6%) 312.35 365.50 17.0% 594.40 Net Profit 494.11 424.18 546.36 10.6% 28.8% 978.95 970.54 (0.9%) 2,363.47 Prior period figures recasted wherever necessary. All figures, other than percentage, in ₹ crore Interest Earnings and Advances Mix (Retail, Agri & MSME and Corporate) 3,727 Gross Advances Mix – Sep 30, 2026 3,546 4.0% 3,292 3,313 3,272 3.9% 4.1% 4.0% 4.1% 20.5% Corporate, 33.16% 20.4% 23.3% 22.5% 20.9% RAM, 66.84% 75.5% 75.7% 72.6% 73.5% 75.0% Gross Advances Mix – Jun 30, 2026 Corporate, 34.03% RAM, 65.97% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Other Interest Income 134 132 134 139 151 Interest on Investments 767 746 685 722 764 Interest on Advances 2391 2435 2452 2685 2812 All figures, other than percentage, in ₹ crore Interest Expenditure and Operating Expenditure 2,225 2,049 5.1% 989 1,008 1,028 4.5% 1,858 1,824 1,784 3.5% 3.8% 836 4.4% 33.6% 35.4% 37.0% 32.8% 39.1% 94.9% 95.5% 96.5% 96.2% 95.6% 67.2% 66.4% 64.6% 63.0% 60.9% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Other Interest Expenses 65 69 79 92 113 Other Operating Expenses 317 332 327 357 380 Interest on Deposits 1793 1755 1705 1957 2112 Staff Expenses 648 657 509 651 648 [Showing first 8,000 characters — download PDF for full document]