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Investor Presentation for Quarter & Half Year Ended September 30, 2026 1
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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”. 2
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Jammu and Kashmir Bank Limited – Oldest Private Sector Bank in India • Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938, and today caters to a wide range of customers including retail, corporate, agricultural, and MSME. • Widespread Branch Network: 1008 Branches, of which 835 are operating 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 Financial Services Limited and is also the Sponsor bank of Jammu and Kashmir Grameen Bank. • Strong market presence and designated as Agency Bank by RBI for conducting government banking in UTs of J&K and Ladakh. • The Bank has 11,651 regular employees and 203 contractual employees. • 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 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. 494 587 798 424 546 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 3 152030 155861 165354 173420 176796 107943 116248 124981 130503 133551 259973 272109 290335 303923 310347 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 (₹ CRORE) Deposits Gross Advances Business
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Journey of 88 Years 1938-39 1970s 1980s 1990s 2000s 2010-2020 2021-2026 Listing on Stock Exchanges ▪ Licensed Status ▪ Sponsored RRB Bank Incorporated and Business Commences ▪ Sponsored 2nd RRB ▪ IT Developed to offer Internet Banking ▪ Tied up with an MNC for Bancassurance ▪ Global CSR Excellence & Leadership Award ▪ Top Banker Award for PMEG ▪ Total Business crossed ₹ 3 trillion in Q1 FY2026-27. ▪ Record profit for four consecutive years with highest ever profit of ₹ 2,363 crore for FY 2025-26. ▪ QIP of ₹ 750 crores in FY 2023-24 oversubscribed 34x. ▪ India Ratings has upgraded the Bank’s long-term issuer rating to INDAA- from INDA+ with stable outlook. ▪ Net-worth crossed ₹16,000 crores. 4
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5 CIR 56.57% (was 60.79%) RoA 1.07% (was 1.16%) NIM 3.17% (was 3.56%) Deposits ₹ 1,76,796 crores Up 16.3% Net Advances ₹ 1,31,234 crores Up 24.8% Total Business ₹ 3,10,347 crores Up 19.4% CRAR 16.57% (was 15.27%) CET-1 13.88% (was 12.11%) Net Worth ₹16,108 crores Up 15.4% GNPA 2.23% (was 3.32%) NNPA 0.51% (was 0.76%) PCR 91.76% (was 90.39%) Q2 FY2027 Performance at a Glance (YoY) Profitability/Efficiency Net Profit ₹ 546 crores Up 10.6% Growth Net Investments ₹ 45,940 crores Up 3.2% Capital Adequacy Tier I 14.73% (was 13.06%) Asset Quality Gross Slippage Ratio 0.35% (was 0.89%)
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6 Profit & Loss Account Particulars Q2 FY 2026 Q1 FY 2027 Q2 FY 2027 % Change YoY % Change QoQ H1 FY 2026 H1 FY 2027 % Change YoY FY 2026 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
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7 All figures, other than percentage, in ₹ crore Interest Earnings and Advances Mix (Retail, Agri & MSME and Corporate) 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 72.6% 73.5% 75.0% 75.7% 75.5% 23.3% 22.5% 20.9% 20.4% 20.5%4.1% 4.0% 4.1% 3.9% 4.0% 3,292 3,313 3,272 3,546 3,727 RAM, 66.84% Corporate, 33.16% Gross Advances Mix – Sep 30, 2026 RAM, 65.97% Corporate, 34.03% Gross Advances Mix – Jun 30, 2026
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Interest Expenditure and Operating Expenditure 8 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Other Interest Expenses 65 69 79 92 113 Interest on Deposits 1793 1755 1705 1957 2112 96.5% 96.2% 95.6% 95.5% 94.9% 3.5% 3.8% 4.4% 4.5% 5.1% 1,784 1,858 1,824 2,049 2,225 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Other Operating Expenses 317 332 327 357 380 Staff Expenses 648 657 509 651 648 67.2% 66.4% 60.9% 64.6% 63.0% 32.8% 33.6% 39.1% 35.4% 37.0% 836 1,028 965 989 1,008
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Other Income and Provisions & Contingencies 9 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Miscellaneous Income 155 171 190 126 149 Treasury Income -63 44 0 20 92 Insurance Commission 23 24 30 21 27 Commission/Exchange 38 39 39 47 47 24.7% 14.0% 15.0% 22.0% 15.0% 15.1% 8.8% 11.6% 9.9% 8.6% -40.7% 15.8% 0.0% 9.2% 29.2% 100.9% 61.5% 73.4% 58.9% 47.2%214 153 278 315 Provision and Contingencies Q2 FY 2026 Q1 FY 2027 Q2 FY 2027 % Change YoY % Change QoQ FY 2026 Provision for Tax 139.44 195.06 170.44 22.2% (12.6%) 594.40 Provision for Bad & Doubtful Debts 3.95 30.61 83.05 2002.5% 171.3% 5.92 Provision for Standard Advances (12.99) 58.62 (11.07) 14.8% (118.9%) 87.33 Provision for Non-Performing Investments (2.12) (0.16) 0.00 100.0% 100.0% (42.18) Provision for Frauds/Embezzlements 0.22 0.00 0.02 (90.9%) - 3.22 Provision for DIFV of restructured/Rescheduled Advances 0.00 0.00 0.00 - - (26.09) Provision for Contingent Liabilities/Contingencies 0.01 (5.04) 0.34 3300.0% 106.7% 0.38 Provision for Unreconciled Entries 0.00 0.00 0.00 - - 0.02 Total 128.51 279.10 242.78 88.9% (13.0%) 623.02 259 All figures, other than percentage, in ₹ crore
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Condensed Balance Sheet 10All figures, other than percentage, in ₹ crore Particulars As on Sep 30, 2025 As on Jun 30, 2026 As on Sep 30, 2026 % Change YoY % Change QoQ As on Mar 31, 2026 Capital & Liabilities Capital 110.13 110.13 110.13 0% 0% 110.13 Reserves and Surplus 15,069.69 17,138.76 17,672.46 17% 3% 16,639.73 Deposits 1,52,030.16 1,73,420.33 1,76,795.93 16% 2% 1,65,354.00 Borrowings 2,382.31 4,381.00 5,381.00 126% 23% 3,431.00 Other Liabilities and Provisions 5,277.77 3,787.46 3,713.58 (30%) (2%) 3,659.13 Total 1,74,870.06 1,98,837.68 2,03,673.10 16% 2% 1,89,193.99 Assets Cash and Balance with Reserve Bank of India 6,787.25 7,077.03 6,870.94 1% (3%) 7,621.87 Balance with Banks & Money at Call & Short Notice 325.83 983.62 898.66 176% (9%) 203.93 Investments 44,501.71 43,249.84 45,940.52 3% 6% 40,821.86 Advances 1,05,153.30 1,28,183.11 1,31,234.13 25% 2% 1,22,641.01 Fixed Assets 2,186.79 2,513.92 2,516.16 15% 0% 2,532.49 Other Assets 15,915.18 16,830.16 16,212.69 2% (4%) 15,372.82 Total 1,74,870.06 1,98,837.68 2,03,673.10 16% 2% 1,89,193.99
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Key Financial Ratios (Annualized) 11 4.86 4.69 4.47 4.74 4.85 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Cost of Deposits (%) 4.94 4.80 4.59 4.87 4.95 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Cost of Funds (%) 9.20 8.93 8.51 8.56 8.55 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Yield on Advances (%) 6.71 6.67 6.64 6.60 6.58 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Yield on Investments (%)
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Key Financial Ratios (Annualized) 12 14.37 16.48 21.88 11.11 13.68 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Return on Average Net -worth (%) 17.95 21.31 29.38 15.45 19.68 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Earnings Per Share (Rs.) 126.74 124.86 136.64 141.46 146.27 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Book Value Per Share (Rs.) 1.16 1.35 1.78 0.87 1.07 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Return on Assets (%)
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Strong presence in JKL Region and increasing presence across India 872 Branches in J&K and Ladakh (JKL) 136 Branches outside JKL 1445 ATMs 22 States / UTs Rural, 54.2% Metro, 18.1% Semi Urban, 17.2% Urban, 10.6% Branch Distribution Network The J&K and Ladakh growth story continues with major infrastructure under implementation and some strategic ones nearing completion that will drive growth for J&K Bank in the near future 13 J&K and Ladakh, 62.7% Rest of India, 37.3% Gross Advances J&K and Ladakh, 84.2% Rest of India, 15.8% Total Deposits
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Improving digital presence 14 138355 142234 141558 157715 182035 SEP-25 DEC-25 MAR-26 JUN-26 SEP-26 Credit Card Users 51.12 52.22 52.48 52.96 53.99 SEP-25 DEC-25 MAR-26 JUN-26 SEP-26 Debit Card Users (count in lacs) 26.90 28.17 29.46 30.72 32.11 SEP-25 DEC-25 MAR-26 JUN-26 SEP-26 UPI Users (count in lacs) 94.29 93.34 93.58 94.26 94.33 SEP-25 DEC-25 MAR-26 JUN-26 SEP-26 Digital Transactions (In %) Bank achieves a digital milestone : More than 94% of the transactions are now digital
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Professionally managed Bank with experienced Board Of Directors Mr. AMITAVA CHATTERJEE - MD & CEO •Illustrious career in banking spanning over more than three decades in diverse geographical locations and strategic positions •Served as DMD SBI and MD & CEO of SBI Capital Markets Mr. SHAILENDRA KUMAR (IAS) - Non-Executive Nominee Director •Currently serving as Financial Commissioner (Additional Chief Secretary),Finance Department, Govt. of UT J&K •Senior IAS officer of 1995 batch, AGMUT Cadre •Over 3 decades of distinguished public service experience Mr. TSEWANG THARCHIN (IA&AS) - Non-Executive Non-Independent Director • IA&AS officer of 2007 batch, currently serving as Commissioner Secretary, Finance Department ,Govt of UT Ladakh. • Worked as Accountant General (Audit), J&K, Financial Advisor in National Company Law Tribunal (NCLT) in New Delhi and Principal Director in the office of Comptroller and Auditor General on India (CAG), New Delhi Mr. SUDHIR GUPTA - Executive Director •Over three decades of experience in different capacities across the operational topography of the Bank with expertise in Credit, Finance, Corporate & Retail Banking, Customer Service, Trade Finance, Foreign exchange, BCP etc. Mr. SANJIV DAYAL - Non-Executive Nominee Director •Retired Chief General Manager RBI with work experience of more than 3 decades in RBI •Specialization in Regulation & Supervision of Regulated Entities, Central Bank Governance, Customer Grievance Redressal, Financial Inclusion, etc. Mr. SANKARASUBRAMANIAN KRISHNAN - Part Time Non-Executive Chairman •Veteran Banker with more than 4 decades of experience, including tenures as MD & CEO of Punjab & Sind Bank and Tamilnad Mercantile Bank Ltd and ED of Syndicate Bank and Canara Bank •Also served as Chairman of Board of Punjab & Sind Bank and Executive Secretary to the Board of Indian bank Mr. RAJEEV GUPTA - Non-Executive Additional Director •Chartered Accountant with over 33 years of professional experience in accounting, auditing, financial reporting, taxation and regulatory compliance •Associated with Rajeev Kuldip & Co., Chartered Accountants, Jammu, established in June 1993, and has also served as an Executive Director in other companies Mr. ANAND KUMAR - Non-Executive Independent Director •(IT) specialist who has experience of more than three decades in IT development and management and is a BE(IT) from IIT and a PGDM from IIM-L. •Worked at multiple MNCs and large groups: Citigroup, HSBC, Barclays, Fiserv, etc. Mr. PRAVIN RAGHAVENDRA - Non-Executive Independent Director •More than 35 years of extensive experience in banking, finance, governance and strategic leadership. •Retired from SBI as DMD and COO Ms. SHAHLA AYOUB - Non-Executive Independent Director •Works as an Assistance Professor in the DHE, J&K and brings to Board an affluence of Economic expertise and perspicacity and has strong interests in Conflict Economics, Financial Inclusion and Developmental Economics. 15 Mr. ARUN GANDOTRA - Non-Executive Independent Director •Over three decades of banking experience, his areas of expertise include Credit, Finance, IT, Corporate & Retail Banking, Risk management, Trade Finance, Foreign exchange, Business continuity planning, HR, Bancassurance Mr. PRAFULLA PREMSUKH CHHAJED - Non-Executive Independent Director •Fellow member of ICAI with over 3 decades of experience. •CPA (Australia), LLB and B. Com graduate with certifications in forensic accounting, IT & Cyber security. •Served as President of ICAI and as Independent Director on Board of SBI •Currently serves as Chairperson of Multi Commodity Exchange Clearing Corporation Limited
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Turnaround Story with Decadal High PCR and improvement in asset quality 3.32 3.00 2.50 2.37 2.23 0.76 0.68 0.64 0.60 0.51 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Gross & Net NPA (%) GNPA NNPA 90.39 90.46 90.33 90.53 91.76 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Provision Coverage Ratio (%) 0.89 0.60 0.78 0.45 0.35 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Gross Slippage Ratio (%) 0.02 0.00 0.16 0.10 0.25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Credit Cost (%) 16
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Key Ratios and Performance Indicators 17All figures, other than percentage, in ₹ crore Particulars Q2 FY 2026 Q1 FY 2027 Q2 FY 2027 Change YoY Change QoQ H1FY 2026 H1FY 2027 Change YoY FY 2026 Profitability Net Interest Margin (%)-Annualized 3.56 3.28 3.17 (39 bps) (11 bps) 3.64 3.22 (42 bps) 3.60 Operating Profit 622.62 703.28 789.14 26.7% 12.2% 1295.46 1492.42 15.2% 2986.49 Profit after Tax 494.11 424.18 546.36 10.6% 28.8% 978.95 970.54 (0.9%) 2363.47 Cost to Income Ratio (%) 60.79 58.90 56.57 (422 bps) (233 bps) 60.77 57.70 (307 bps) 56.18 Return on Assets (%)-Annualized 1.16 0.87 1.07 (9 bps) 20 bps 1.17 0.97 (20 bps) 1.37 Capital Adequacy Tier 1 Capital (%) 13.06 14.78 14.73 167 bps (5 bps) 13.06 14.73 167 bps 14.44 CET 1 (%) 12.11 13.91 13.88 177 bps (3 bps) 12.11 13.88 177 bps 13.54 CRAR (%) 15.27 16.67 16.57 130 bps (10 bps) 15.27 16.57 130 bps 16.55 Asset Quality Gross NPA (%) 3.32 2.37 2.23 (109 bps) (14 bps ) 3.32 2.23 (109 bps ) 2.50 Net NPA (%) 0.76 0.60 0.51 (25 bps) (9 bps) 0.76 0.51 (25 bps) 0.64 Provision Coverage Ratio (%) 90.39 90.53 91.76 137 bps 123 bps 90.39 91.76 137 bps 90.33 Return Ratios Yield on Advances (%)-Annualized 9.20 8.56 8.55 (65 bps) (1 bp) 9.27 8.55 (72 bps) 8.98 Cost of Funds (%)-Annualized 4.94 4.87 4.95 1 bp 8 bps 4.93 4.91 (2 bps) 4.80 Cost of Deposits (%)-Annualized 4.86 4.74 4.85 (1 bp) 11 bps 4.85 4.79 (6 bps) 4.70
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Capital Adequacy Ratios 18 All figures, other than percentage, in ₹ crore 12.11 11.84 13.54 13.91 13.88 13.06 12.77 14.44 14.78 14.7315.27 15.00 16.55 16.67 16.57 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Capital Adequacy Ratio (%) CET1 Capital Tier 1 Capital CRAR Particulars Sep 30, 2025 Jun 30, 2026 Sep 30, 2026 Mar 31, 2026 Risk Weighted Assets Credit Risk 93,250 1,02,334 1,05,344 1,00,536 Market Risk 577 194 150 144 Operational Risk 11,360 12,157 12,157 11,359 Total Risk Weighted Assets 1,05,187 1,14,685 1,17,651 1,12,039 Tier 1 Capital Funds 13,736 16,949 17,335 16,174 Tier 2 Capital Funds 2,324 2,167 2,156 2,373 Total Capital Funds 16,059 19,116 19,491 18,547 Tier 1 Capital Ratio 13.06% 14.78% 14.73% 14.44% CET 1 Ratio 12.11% 13.91% 13.88% 13.54% Tier 2 Capital Ratio 2.21% 1.89% 1.83% 2.12% CRAR 15.27% 16.67% 16.57% 16.55%
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Asset Quality | Categories of Advances 19 Category Sep 30, 2025 Sep 30, 2026 Amount % of Gross Advances Amount % of Gross Advances Standard 1,04,357 96.68% 1,30,568 97.77% Sub-Standard 529 0.49% 363 0.27% Doubtful 2,402 2.22% 1,948 1.46% Loss 654 0.61% 672 0.50% Gross Advances 1,07,943 1,33,551 Special Mention Accounts Amount % of Standard Advances Amount % of Standard Advances SMA-0 7,731 7.41% 7,545 5.78% SMA-1 3,555 3.41% 3,052 2.34% SMA-2 3,777 3.62% 3,477 2.66% Total SMA 15,063 14.43% 14,073 10.78% All figures, other than percentage, in ₹ crore
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Asset Quality | Movement of Gross NPAs 20 Particulars Q2 FY 2026 Q1 FY 2027 Q2 FY 2027 % Change YoY % Change QoQ H1 FY 2026 H1 FY 2027 % Change YoY FY 2026 Balance at the start of the period 3,638.19 3,124.84 3,088.94 (15.1%) (1.1%) 3,604.84 3,124.84 (13.3%) 3,604.84 Additions during the period 237.44 129.96 104.03 (56.2%) (20.0%) 511.14 233.99 (54.2%) 877.81 Upgradations during the period 198.01 52.39 54.68 (72.4%) 4.4% 286.62 107.06 (62.6%) 450.81 Write off (includes technical Write Off) 4.84 51.14 92.19 1804.8% 80.3% 11.59 143.33 1136.7% 437.60 Compromise/Settlements 20.97 1.56 3.47 (83.5%) 122.9% 59.73 5.03 (91.6%) 64.39 Other Recoveries 66.54 60.78 59.23 (11.0%) (2.5%) 172.79 120.01 (30.5%) 405.02 Gross NPA Balance at the Close of the Period 3,585.26 3,088.94 2,983.40 (16.8%) (3.4%) 3,585.26 2,983.40 (16.8%) 3,124.84 Less: NPA Provisioning 2,789.32 2,319.63 2,317.25 (16.9%) (0.1%) 2,789.32 2,317.25 (16.9%) 2,339.71 Net NPA Balance at the Close of the Period 795.94 769.31 666.16 (16.3%) (13.4%) 795.94 666.16 (16.3%) 785.13 All figures, other than percentage, in ₹ crore
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Sector-Wise Credit Deployment and NPA (As of Sep 30, 2026) 21 All figures, other than percentage, in ₹ crore Sector Gross Advances Exposure (%) Gross NPA GNPA (%) Personal Loans 45,485.90 34.06% 341.52 0.75% Housing Loan 15,471.07 11.58% 147.29 0.95% Auto Loan 6,729.62 5.04% 35.65 0.53% Others 23,285.21 17.44% 158.58 0.68% Financial Markets 25,309.58 18.95% 477.94 1.89% Agriculture 14,387.60 10.77% 254.65 1.77% Infrastructure 12,330.33 9.23% 32.00 0.26% Trade 12,273.61 9.19% 526.85 4.29% Services 10,571.95 7.92% 729.88 6.90% Manufacturing 7,951.60 5.95% 443.54 5.58% Against Cash Collaterals 2,846.79 2.13% 0.78 0.03% Others * 1,701.29 1.27% 13.56 0.80% Real Estate 692.73 0.52% 162.68 23.48% Grand Total 1,33,551.37 100.00% 2983.40 2.23% * Others include Food Credit, Micro Credit, Mining & Quarrying
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Gross Advances Mix Trend 22All figures, other than percentage, in ₹ crore Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Others 3706 5799 6149 4746 5241 Infrastructure 9985 10417 12035 12677 12330 Agriculture 11793 12730 12919 13369 14388 Financial Markets 11729 15068 20335 24378 25310 Manufacturing 6340 7302 6807 8054 7952 Trade & Services 23017 22282 23352 23195 22846 Personal Loans 41372 42650 43385 44084 45486 38.3% 36.7% 34.7% 33.8% 34.1% 21.3% 19.2% 18.7% 17.8% 17.1% 5.9% 6.3% 5.4% 6.2% 6.0%10.9% 13.0% 16.3% 18.7% 19.0%10.9% 11.0% 10.3% 10.2% 10.7% 9.3% 9.0% 9.6% 9.7% 9.2% 3.4% 5.0% 4.9% 3.6% 3.9% 88,402 1,07,943 1,33,551 1,16,248 1,24,981 1,30,503
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Consistently growing Deposit Base 23 45.89% 44.10% 45.65% 42.06% 41.97% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 CASA Ratio 69.17% 72.85% 74.17% 73.91% 74.23% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 CD Ratio All figures, other than percentage, in ₹ crore Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Term Deposits 82256 87125 89876 100476 102589 Savings Deposits 55126 53859 58086 56833 57797 Current Deposits 14648 14877 17392 16111 16410 9.6% 9.5% 10.5% 9.3% 9.3% 36.3% 34.6% 35.1% 32.8% 32.7% 54.1% 55.9% 54.4% 57.9% 58.0% 1,52,030 1,55,861 1,65,354 1,73,420 1,76,796
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24 Investments Profile Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 HTM 27410 26568 27239 28079 30490 Others 791 1039 775 742 872 AFS 13990 11590 12491 14206 14476 HFT 2311 1340 318 223 102 5.2% 3.3% 0.8% 0.5% 0.2% 31.4% 28.6% 30.6% 32.8% 31.5% 1.8% 2.6% 1.9% 1.7% 1.9% 61.6% 65.5% 66.7% 64.9% 66.4% 40,822 44,502 40,537 43,250 45,940 3.30 3.54 3.21 2.96 2.97 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Duration of Investments (In Years)
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Asset Quality | External Rating of Corporate Advances (As on Sep 30, 2026) 25 All figures, other than percentage, in ₹ crore Rating No. of Borrowers BOS Rating Percentage % AAA 38 35,875.44 74.7% AA 19 5,958.22 12.4% A 13 1,484.91 3.1% BBB 31 2,118.79 4.4% BB & Below 175 2,338.28 4.9% Unrated Borrowers (to be rated) 4 266.77 0.6% Total Eligible for Rating 280 48,042.41 100.0%
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Asset Quality | Restructuring of Advances (as on Sep 30, 2026) 26 All figures in ₹ crore SECTOR STANDARD NPA TOTAL BOS PROVISIONS BOS PROVISIONS BOS PROVISIONS Services 671.21 32.31 45.59 39.83 716.80 72.14 Trade 487.57 25.01 59.34 52.90 546.91 77.90 Manufacturing 319.86 16.71 167.73 146.81 487.58 163.51 Real Estate 28.03 1.36 156.47 156.47 184.51 157.83 Agriculture 39.00 3.04 55.27 53.87 94.27 56.91 Personal Loans 78.54 5.58 11.41 9.48 89.94 15.05 Infrastructure 48.22 27.04 6.82 6.47 55.05 33.51 Others @ 2.19 0.11 1.91 1.91 4.10 2.02 Grand Total 1,674.61 111.15 504.53 467.73 2,179.15 578.88 @Others include Micro Enterprises, Mining & Quarrying.
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27 Bank won the prestigious 'Best MSME Bank - Winner' award at the MSME Banking Excellence Awards 2025 Honoured with Second Best Performing Bank at National Level, under Private Sector Banks (large category) for the Year 2024 – 25 by State Forum of Bankers Clubs Kerala (SFBCK) Honoured with the ‘Best Corporate Social Responsibility Overall Practices’ award at the 13th National CSR Leadership Congress & Awards Honoured with prestigious SKOCH ‘Silver Award’ at 103rd SKOCH Summit under ‘Financial Performance’ category for “Improving Financial Performance / Profitability of the Bank” Awarded by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) for securing the highest number of guarantees under the CGTMSE scheme during FY 2024- 25 in the category covering the Northeastern Region, Jammu and Kashmir, and Ladakh Bagged four major awards at the prestigious IBA CISO Summit & Citations – 2025 that included: •Cyber Security Transformation of the Year Award, •Cyber Security Compliance Champion Award, •Cyber Security Team of the Year Award •Special Prize for Cyber Security Incident Response Mastery. Awarded Gold at the Finacle Innovation Awards 2026 in the category ‘Modern Technologies-led Innovation – Data Insights & Analytics Platform.’ Bank’s Chief Information Security Officer (CISO) won prestigious ‘CISO of the Year’ Award at Enterprise Security Connect (ESCON) 2025 – South Asia’s premier cybersecurity summit. Honoured with the prestigious ‘Excellence in Continuous Professional Development’ Award by the Indian Institute of Banking & Finance (IIBF) Presented Best Bank Award for 'Digital Transformation in Banking' at the Navabharat BFSI Summit & Awards – 2026 RECENT AWARDS & ACCOLADES
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Shareholding Pattern 28 59.40% 17.34% 11.62% 2.10% 6.35% 3.19% Shareholding Pattern as on September 30, 2026 Promoters Resident Individuals FII/FPI Body Corporates Indian Mutual Funds Others Particulars No. of Shares held as on Sep 30, 2026 % to Capital No. of Shares held as on Sep 30, 2025 % to Capital YoY Change Promoters – Governments of UTs of J&K and Ladakh 65,40,98,280 59.40% 65,40,98,280 59.40% - Resident Individuals 19,09,79,980 17.34% 24,53,20,135 22.28% (494 bps) FII/FPI 12,79,29,859 11.62% 8,64,42,540 7.85% 377 bps Indian Mutual Funds 6,99,21,983 6.35% 3,87,90,255 3.52% 283 bps Indian Financial Institutions 74,04,898 0.67% 2,27,56,448 2.07% (140 bps) Body Corporates 2,31,04,528 2.10% 2,81,22,178 2.55% (45 bps) Non-Resident Indians 1,94,13,481 1.76% 2,08,64,319 1.89% (13 bps) Others (AIF / IEPF / Trusts) 73,68,657 0.67% 47,81,553 0.43% 24 bps Clearing Members 9,60,797 0.09% 6,755 0.00% 9 bps Total 110,11,82,463 100% 110,11,82,463 100% -
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29 Thank You