Jammu & Kashmir Bank Ltd. · NSE:J&KBANK
Jammu & Kashmir Bank — The Jammu & Kashmir Bank — Non-Deal Roadshow (May 2026)
20 slides from Jammu & Kashmir Bank's roadshow presentation, May 17, 2026
Slide 1: Presentation for Investor Meet 18th to 20th May 2026
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/F3652/2026/041 Date: 17th May, 2026 National Stock Exchange
Slide 2: Rebuilt, Strengthened & Ready to Scale
REBUILT, STRENGTHENED & READY TO SCALE (A continuing transformational journey – 2019 to 2026 & beyond) 1 Domestic Non-Deal Roadshow 18th to 20th May, 2026
Slide 3: Disclaimer
DISCLAIMER This presentation has been prepared for informational purpose only by the Jammu and Kashmir Bank Limited (the “Bank”). The Bank, as such, makes no representation or warranty, express or implied, as to, and does not accept any responsibility or liability with respect to, the fairness, accu
Slide 4: An Overview
AN OVERVIEW Jammu and Kashmir Bank Limited, was incorporated on October 1, 1938 and is the one of the oldest Private Sector Banks in India Scheduled Commercial Bank status since 1971 First listed company from J&K, listed on both NSE and BSE Widespread Branch Network: 1017 Branches, of which 841 are
Slide 5: 2019-2020: Challenging Circumstances
2019-2020: CHALLENGING CIRCUMSTANCES • Inadequate provisioning with PCR • Waning Investor confidence • Elevated NPA Levels with GNPA touching 11% below 65% • Issues in hiring, credit underwriting and • Governance & Compliance issues contract awarding • Financial distress with net loss of Rs.1139 cro
Slide 6: Strategic Reset & Repair
STRATEGIC RESET & REPAIR C Corporate Governance B Business Process Re-engineering T Technology Upgrades • Splitting of post of Chairman & Managing • Placement of GMs as Divisional Heads in • CBS upgrade to latest version - Finacle 10 Director Jammu, Kashmir & ROI Divisions • Introduction of STP plat
Slide 7: Advancing Organizational Capabilities (FY2025-26)
ADVANCING ORGANIZATIONAL CAPABILITIES (FY2025-26) • Reorientation of Clusters and Zones Organizational Structure • Separate verticals for Deposits, Liabilities & Alternate Channels as well as Cross-Selling • J&K Bank 2.0 – Sales & Service Operating Model • Implementation of Control Effectiveness Fra
Slide 8: Turnaround – The Numbers Speak
TURNAROUND – THE NUMBERS SPEAK Business (In Rs. Crores) Net Profit (In Rs. crores) 2,90,335 2,55,554 57% “ 1,67,715 58% 2363 58% 59% 60% 60% 58% 2082 43% 1767 42% 40% 40% 41% 42% 42% Net Worth Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 of the Gross Advances Deposits 1197 Bank has crossed Rs.15
Slide 9: Turnaround – The Numbers Speak
TURNAROUND – THE NUMBERS SPEAK Asset Quality Metrics CRAR 16.29% 16.55% 10.97% 3.48% 3.37% 0.79% 2.50% 0.64% 11.40% “ Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Digital Net NPA Gross NPA Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Transformation – Around 94% of PCR Cost to Income Ratio th
Slide 10: Improved Market Perception
IMPROVED MARKET PERCEPTION Stock Performance Vs NIFTY Bank (Indexed) 6 – Year Performance (March 2020 to April 2026) CAGR of 48% for J&K Bank Vs 19% for Bank NIFTY J&K Bank 936% (From Rs.12.45 to Rs.129.02) Bank Nifty 187% (From 19,122 to 54,863) 5x benchmark outperformance “ Rating Upgrade: Bank’s
Slide 11: Strong Regional Presence and Increasing National Presence
STRONG REGIONAL PRESENCE AND INCREASING NATIONAL PRESENCE Branches in J&K Urban, 878 and Ladakh (JKL) 10.6%, Semi Branches outside Urban, Branch 139 JKL 17.1%, Distribution Rural, Network 54.2%, 1437 ATMs Metro, 18.1%, 22 States / UTs Rest of India, 13.1%, Rest of Gross Total India, Advances Deposit
Slide 12: Experienced Board of Directors
EXPERIENCED BOARD OF DIRECTORS Mr. SANKARASUBRAMANIAN KRISHNAN (Part Time Non-Executive Mr. AMITAVA CHATTERJEE (MD & CEO ) Chairman) •Illustrious career in banking spanning over more than three decades in diverse •Veteran Banker with more than 4 decades of experience, including tenures as geographic
Slide 13: Shareholding Pattern as on 31 March 2026
SHAREHOLDING PATTERN AS ON 31 MARCH 2026 LARGE SHAREHOLDERS Indian Mutual Funds/Financial Institutions Others 6% 55.24% Govt. of J&K 6% FII/FPI 8% 4.16% Govt. of Ladakh Kotak Mahindra Trustee Co Resident Promoters 3.27% Ltd. Individuals 59% 21% 1.95% Bowhead India Fund 1.50% Mukul Mahavir Agrawal 1.
Slide 14: Recent Awards & Accolades
RECENT AWARDS & ACCOLADES Adjudged the ‘Best Digital Sales, Bank has won the Best Innovation in Second Best Old Payments and prestigious SKOCH Award SKOCH Gold Award for Corporate Digital Lending award Private Sector Bank Engagements’ Award in 2025 under ‘Financial Governance at 100th SKOCH Summit I
Slide 15: Government Recognition and Endorsement
GOVERNMENT RECOGNITION AND ENDORSEMENT Endorsement from the Hon’ble Prime Minister Bank’s remarkable transformation journey has been lauded by none less than the Hon’ble Prime Minister on multiple occasions Systemic importance of J&K Bank in the economic landscape of J&K was also highlighted by the
Slide 16: Value Proposition – Attractive Valuation
VALUE PROPOSITION – ATTRACTIVE VALUATION Peer Group Comparison (March 2026) Significant P/E discount with P/E Ratio for the Indian Banking Industry being around 12.5x Bank RoA RoE EPS Book Value PE Ratio PB Ratio J&K Bank 1.37% 16.85% Rs.21.49 Rs.136.64 5.12 0.81 South Indian Bank 1.03% 12.76% Rs.5.
Slide 17: Strong Foundation for Sustained Future Success
STRONG FOUNDATION FOR SUSTAINED FUTURE SUCCESS Upgraded Technology Four Consecutive Years Restructured and & Govt./Promoter Support of Record Annual Profits Experienced Leadership Streamlined Processes Strong Capital Buffers 85 plus years legacy Restored Market/FPI & Upgraded Rating Regi
Slide 18: Aiming Big – Vision 2030
“Mission 5 lac Crore ” -Pledge to take the business of Bank to 5 lac Crore by FY 2030 Enhanced Business Contribution Aiming Annual Aiming Big – from Rest of Profitability India Big – target of Rs.5000 Crore Vision 2030 Vision by 2030 FY 2030 Reduce Gross NPA to 1% or Upgrade in below Bank’s Long- Te
Slide 19: Strong Execution, Clear Strategy, Sustainable Momentum
• Strong execution • Clear Strategy • Sustainable Momentum 18 Domestic Non-Deal Roadshow 18th to 20th May, 2026
Slide 20: Thank You
THANK YOU 19 Domestic Non-Deal Roadshow 18th to 20th May, 2026
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