Investor Presentation

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/F3652/2026/090 Date: 29th 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:- PRESENTATION FOR CONFERENCE CALL SCHEDULED FOR JULY 29, 2026 Dear Sirs, Further to our letter no. JKB/BS/F3652/2026/085 dated July 22, 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 ended June 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 Ended June 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, 303923 and today caters to a wide range of customers including retail, corporate, 290335 (₹ CRORE) 272109 agricultural, and MSME. 259973 252581 130503 124981 • Widespread Branch Network: 1008 Branches, of which 835 are operating 116248 104039 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 148542 152030 155861 165354 173420 Financial Services Limited and is also the Sponsor bank of Jammu and Kashmir Grameen Bank. Jun-25 Sep-25 Dec-25 Mar-26 Jun-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 11,747 regular employees and 203 contractual employees. 798 485 494 • Bancassurance tie ups with LIC, PNB MetLife, Bajaj Life, SBI Life and HDFC 424 Life for Life Insurance and Bajaj General Insurance, IFFCO Tokio and New Jun-25 Sep-25 Dec-25 Mar-26 Jun-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 these regions. Journey of 87 Years 2021-2026 ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG 2000s Listing on Stock Exchanges ▪ Licensed Status ▪ Total Business crossed ₹ 3 trillion at the close of the ▪ Sponsored RRB 1980s June quarter (Q1 FY2026-27) with ₹ 1.73 trillion in Bank 2010-2020 deposits and ₹ 1.31 trillion in grossadvances. Incorporated ▪ Record profit for four consecutive years with highest and Business ▪ IT Developed to offer ever profit of ₹ 2,363 crore for FY 2025-26. Commences 1990s Internet Banking ▪ QIP of ₹ 750 crores in FY 2023-24 oversubscribed 34x. ▪ Tied up with an MNC ▪ India Ratings has upgraded the Bank’s long-term 1970s for Bancassurance issuer rating to INDAA- from INDA+ with stable outlook. ▪ Sponsored 2nd RRB ▪ Market Capitalization crossed ₹20,000 crores and Net-worth crossed ₹15,000 crores. 1938-39 Q1 FY2027 Performance at a Glance (YoY) Profitability/Efficiency Growth Capital Adequacy Asset Quality Operating Profit CET-1 Deposits GNPA ₹ 703 crores 13.91% ₹ 1,73,420 crores 2.37% Up 4.5% (was 12.69%) Up 16.7% (was 3.50%) Net Advances Tier I NNPA 3.28% ₹ 1,28,183 crores 14.78% 0.60% (was 3.72%) Up 26.6% (was 0.82%) (was 13.68%) RoA Net Investments CRAR PCR 0.87% ₹ 43,250 crores 16.67% 90.53% (was 1.17%) Up 1.1% (was 15.98%) (was 90.09%) CIR Total Business Credit Cost Net Worth 58.90% ₹ 3,03,923 crores 0.10% ₹15,577 crores (was 60.75%) Up 20.3% (was 0.13%) Up 15.0% Profit & Loss Account Q1 Q4 Q1 % Change % Change Particulars FY 2026 FY 2026 FY 2026 FY 2027 YoY QoQ Interest Earned 3,268.27 3,271.67 3,546.00 8.5% 8.4% 13,145.19 Interest Expended 1,802.84 1,784.19 2,048.88 13.6% 14.8% 7,269.42 Net Interest Income 1,465.43 1,487.48 1,497.12 2.2% 0.6% 5,875.77 Other Income 248.79 259.39 214.02 (14.0%) (17.5%) 939.85 Operating Income 1,714.22 1,746.87 1,711.14 (0.2%) (2.0%) 6,815.62 Operating Expenses 1,041.38 836.08 1,007.86 (3.2%) 20.5% 3,829.13 Operating Profit 672.84 910.79 703.28 4.5% (22.8%) 2,986.49 Provisions & Contingencies 15.09 50.27 84.04 456.9% 67.2% 28.62 Profit Before Tax 657.75 860.52 619.24 (5.9%) (28.0%) 2,957.87 Provision for Tax 172.91 62.72 195.06 12.8% 211.0% 594.40 Net Profit 484.84 797.80 424.18 (12.5%) (46.8%) 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) 3,546 Gross Advances Mix – Jun 30, 2026 3,292 3,313 3,272 3.9% 3,268 3.5% 4.1% 4.0% 4.1% Corporate, 34.03% 20.4% 22.1% 23.3% 22.5% 20.9% RAM, 65.97% 75.7% 74.4% 72.6% 73.5% 75.0% Gross Advances Mix – Mar 31, 2026 Corporate, 32.71% RAM, 67.29% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Other Interest Income 115 134 132 134 139 Interest on Investments 723 767 746 685 722 Interest on Advances 2430 2391 2435 2452 2685 All figures, other than percentage, in ₹ crore Interest Expenditure and Operating Expenditure 1,041 2,049 1,008 4.5% 1,858 1,824 1,803 1,784 3.5% 3.5% 3.8% 836 4.4% 36.3% 33.6% 35.4% 33.2% 39.1% 95.5% 96.5% 96.5% 96.2% 95.6% 63.7% 66.8% 66.4% 64.6% 60.9% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Other Interest Expenses 64 65 69 79 92 Other Operating Expenses 378 320 332 327 357 Interest on Deposits 1739 1793 1755 1705 1957 Staff Expenses 663 646 657 509 651 Other Income and Provisions & Contingencies Provision and Contingencies Q1 Q4 Q1 % Change % Change 155 214 FY 2026 FY 2026 FY 2026 FY 2027 YoY QoQ 61.5% Prov [Showing first 8,000 characters — download PDF for full document]