Credit Ratings

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/F3652/2026/103 Date: 20th August, 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: - Credit Ratings Dear Sirs, Pursuant to Regulation 30 and 51 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please be informed that India Ratings and Research has reviewed and affirmed Long-term Issuer rating and Basel III Compliant Tier II Bonds of the Bank, the details of which are as under: Instrument Type Date of Coupon Maturity Size of Rating Rating Issuance Rate Date Issue assigned along Action (INR with million) Outlook/Watch Long-term Issuer - - - - IND AA-/Stable Affirmed rating 25000 Basel III compliant (reduced - - - IND AA-/Stable Affirmed Tier II bonds from 35000) This is for your information and appropriate dissemination. Thanking you Yours f aithfully For Jammu and Kashmir Bank Limited (Mohammad Shafi Mir) Company Secretary India Ratings &Research Aug20,2026 IJammuandKashmirBankLimited I PrivateSectorBank