Jammu & Kashmir Bank has demonstrated improved asset quality performance in the third quarter, with key non-performing asset ratios showing sequential improvement. The bank's asset quality metrics reflect ongoing efforts to maintain a healthy loan portfolio and effective risk management practices.

Asset Quality Performance

The bank's asset quality indicators showed positive movement during the quarter. Both gross and net non-performing asset ratios registered sequential improvements, indicating better portfolio management and recovery efforts.

| Asset Quality Metric: | Q3 | Previous Quarter | Change || | ---: | :--- | :--- | :--- | | Gross NPA Ratio: | 3.00% | 3.32% | -0.32% | | Net NPA Ratio: | 0.68% | 0.76% | -0.08% |

GNPA and NNPA Trends

The gross non-performing assets ratio declined to 3.00% in Q3 from 3.32% in the previous quarter, representing a decrease of 32 basis points. This improvement suggests better asset quality management and potentially successful resolution of some stressed assets.

The net non-performing assets ratio also showed improvement, falling to 0.68% from 0.76% quarter-on-quarter. The 8 basis point decline in NNPA ratio indicates the bank's ability to maintain adequate provisioning while managing its non-performing portfolio effectively.

Portfolio Management Focus

The sequential improvement in both GNPA and NNPA ratios demonstrates the bank's continued emphasis on maintaining asset quality standards. These metrics are crucial indicators of a bank's operational efficiency and risk management capabilities, particularly in the current economic environment.

The declining trend in non-performing asset ratios suggests that the bank's credit assessment processes and recovery mechanisms are functioning effectively, contributing to overall portfolio health and operational stability.

Jammu & Kashmir Bank has announced a conference call with analysts and investors to discuss its financial results for the quarter and nine months ended December 31, 2025. The call is scheduled for January 20, 2026, following the bank's board meeting to consider and approve the financial results.

Conference Call Details

The conference call will be conducted by Amitava Chatterjee, Managing Director and CEO of the bank, along with the management team. The bank has provided comprehensive participation details to ensure smooth connectivity for all stakeholders.

Participation Options

The bank has arranged multiple connectivity options to accommodate participants globally. For premium access, participants can use the Diamond Pass registration system, which eliminates wait time and provides direct connection to the conference call.

Dial-in Numbers Available:

Domestic Access:

• Universal Access Numbers: +91 22 6280 1478 and +91 22 7115 8852

International Toll-Free Options:

• USA: 1866 7462 133
• UK: 0808 1011 573
• Singapore: 8001 0120 45
• Hong Kong: 8009 644 48
• Japan: 0053 1161 110

Participants are advised to dial the numbers at least 5-10 minutes prior to the scheduled time to ensure timely connection.

Additional Information

The bank has confirmed that an audio replay and transcript of the conference call will be made available on its official website following the session. This ensures that stakeholders who cannot participate live will have access to the complete discussion.

For registration and queries, participants can contact Uzair Sami, Senior Manager – Investor Relations, at +91 194 2502604 or via email at Investorrelations@jkbmail.com . The bank has also provided a Diamond Pass registration link for express joining without operator assistance.

Regulatory Compliance

This announcement was made under Regulation 30 of the Securities and Exchange Board of India (SEBI) regulations. The communication was sent to both the National Stock Exchange of India Limited (Symbol: J&KBANK) and BSE Limited (Scrip Code: 532209) on January 13, 2026, ensuring full regulatory compliance and transparency.