Business Responsibility and Sustainability Report (BRSR Core)

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/F3652/2026/110 Date: 29th 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: - Business Responsibility and Sustainability Report for Financial Year 2025-26 Dear Sirs, In continuation of our letter no. JKB/BS/F3652/2025/108 dated 29th August, 2026 and pursuant to Regulation 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith a copy of the Business Responsibility and Sustainability Report for FY 2025-26 for the 88th Annual General Meeting (AGM) 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 submitted for your information and appropriate dissemination. Thanking you Yours f aithfully For Jammu and Kashmir Bank Limited (Mohammad Shafi Mir) Company Secretary BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORT SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1 Corporate Identity Number (CIN) of the Listed Entity L65110JK1938SGC000048 2 Name of the Listed Entity Jammu and Kashmir Bank Limited 3 Year of incorporation 1938 4 Registered office address Corporate Headquarters, M. A. Road, Srinagar, Kashmir – 190001 5 Corporate address Corporate Headquarters, M. A. Road, Srinagar, Kashmir – 190001 6 E-mail board.sectt@jkbmail.com 7 Telephone +91-194-248-1930-35 8 Website https://jkb.bank.in/ 9 Financial year for which reporting is being done FY 2025-26 (1st April, 2025 – 31st March, 2026) 10 Name of the Stock Exchange(s) where shares are • National Stock Exchange of India Limited listed • BSE Limited 11 Paid-up Capital INR 11,011.82 lacs 12 Name and contact details (telephone, email address) Mr. Mohammad Shafi Mir of the person who may be contacted in case of any Company Secretary & Compliance Officer queries on the BRSR report Phone: +91-194-2481928 Email: board.sectt@jkbmail.com 13 Reporting boundary - Are the disclosures under The disclosures made in this report are on a standalone basis. this report made on a standalone basis (i.e., only for the entity) or on a consolidated basis (i.e., for the entity and all the entities which form a part of its consolidated financial statements, taken together). 14 Name of assurance provider SR Asia 15 Type of assurance obtained Reasonable assurance on BRSR Core II. Products/services 16. Details of business activities (accounting for 90% of the turnover): S. % of Turnover of No. Description of Main Activity Description of Business Activity the entity 1. Banking and Financial Services (Commercial Bank) Banking activities viz. retail, corporate 100% banking, investments, cross-selling etc. Jammu and Kashmir Bank Limited STATUTORY REPORTS 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover) S. % of total Turnover No. Product/Service NIC Code contributed 1. J&K Bank operates in three major segments: 64191 100 1. Retail, 2. Corporate & 3. Treasury. Retail Business: Bank caters to a varied client base which includes individuals, employees, professionals, small businesses, and Non-Resident Indians (NRIs). The offerings under retail are CASA Accounts, term deposits, housing loans, car loans, mortgage loans, personal loans, KCC, LAP, Debit/Credit, Cards cross-selling - Insurance and Mutual fund Products and remittance services etc. Corporate: Bank serves a diverse clientele including Corporates, Government, PSUs, SMEs etc. Treasury Department: The department looks after investments in various securities, market instruments etc. and manages Bank’s liquidity requirements. III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices National Nil • 1,017 branches (including 09 IARCs) • 99 Easy Banking Units (USBs) • 23 Extension Counters • 58 Offices (1 Corporate, 13 Zonal, 35 Cluster, 3 RCCs and other offices 6) • 1437 ATMs and 173 CRMs International Nil Nil 19. Markets served by the entity: a. Number of locations Location Number National (No. of States) 18 States & 4 Union Territories International (No. of Countries) Nil b. What is the contribution of exports as a percentage of the total turnover of the entity? The Bank ordinarily doesn’t directly contribute to the exports. However, the Bank has customised products and services for its customers relating to their foreign exchange related requirements, viz. Exports, Imports, other overseas payments and inward remittances. Bank provides pre and post shipment credit facilities. Packing Credit Loan, both in Rupee and Foreign Currency, thereby enabling the customers for procurement of their raw materials and Post shipment credit facilities, viz. Export Bills negotiation under LC terms, advance against export bills, etc. Integrated Annual Report 2025-26 c. A brief on types of customers: J &K Bank serves a diversified customer base across retail, institutional, and priority segments, reflecting its role as a key financial services organisation in India: Key Customers Details of Customer Segment Retail Customers Individuals including salaried employees, pensioners, and self-employed persons, availing savings and current accounts, deposits, and retail lending products such as housing, personal, and vehicle loans. Government & Public Sector Central and State/UT Governments, public sector undertakings (PSUs), and government departments, with the Bank playing a significant role in treasury operations, salary disbursements, and implementation of government schemes including Direct Benefit Transfers (DBT). Corporate and MSME Customers Large corporates, small and medium enterprises (MSMEs), and business entities, supported through working capital finance, term loans, trade finance, and cash management services. Priority Sector & Inclusion Segments Farmers, artisans, self-help groups (SHGs), and other underserved segments, aligned with priority sector lending mandates and financial inclusion objectives. Institutional Customers Educational institutions, universities, and other organisations availing banking, deposit, transaction & other financial services. Emerging Segments Start-ups and new-age enterprises, supported through tailored financial solutions and credit access. IV. Employees 20. Details as at the end of Financial Year (FY2025-26) a. Employees and workers (including differently abled) FY 2025-26 S. Total Male Percentage % Female Percentage % No. Particulars (A) No. (B) (B/A) No. (C) (C/A) EMPLOYEES 1 Permanent (D) 11,934 8,838 74% 3,096 26% 2 Other than Permanent (E) 203 177 87% 26 13% 3 Total employees (D + E) 12,137 9,015 74% 3,122 26% WORKERS* 4 Permanent (F) NA NA NA NA NA 5 Other than Permanent (G) NA NA NA NA NA 6 Total workers (F + G) NA NA NA NA NA * Note: As a banking institution, the Bank does not engage workers; accordingly, disclosures relating to workers are not applicable. b. Differently abled Employees and workers FY 2025-26 S. Total Male Percentage % Female Percentage % No. Particulars (A) No. (B) (B/A) No. (C) (C/A) DIFFERENTLY ABLED EMPLOYEES 1 Permanent (D) 37 27 73% 10 27% 2 Other than Permanent/Contractual/Third Party NIL NIL NA NIL NA 3 Total differently abled employees (D + E) 37 27 73% 10 27% DIFFERENTLY ABLED WORKERS* 4 Permanent (F) NA NA NA NA NA 5 Other than Permanent/Contractual/Third Party NA NA NA NA NA 6 Total differently abled workers (F+G) NA NA NA NA NA *Note: As a banking institution, the Bank does not engage workers; accordingly, disclosures relating to workers are not applicable. Jammu and Kashmir Bank Limited STATUTORY REP [Showing first 8,000 characters — download PDF for full document]