The Jammu & Kashmir Bank Limited

KPI	The Jammu & Kashmir Bank Limited
Environmental Emissions Does The Entity Have Any Project Related To Reducing Green House Gas Emission	No
Environmental Emissions Air Emissions Other Than Ghg Emissions By The Entity Applicability	No
Environmental Emissions Green House Gas Emissions And Its Intensity Applicability	No
Environmental Emissions Total Scope 3 Emissions And Its Intensity Applicability	No
Environmental Energy Total Energy Consumption And Energy Intensity Applicable To The Company	No
Environmental Other Battery Waste	0 Non-SI:t
Environmental Other Bio Medical Waste	0 Non-SI:t
Environmental Other Construction And Demolition Waste	0 Non-SI:t
Environmental Other Waste Management Practices Adopted In Your Establishments And The Strategy Adopted By Company To Reduce Usage Of Hazardous And Toxic Chemicals	Not Applicable
Environmental Other EWaste	0 Non-SI:t
Environmental Other Has The Entity Implemented Mechanism For Zero Liquid Discharge	No
Environmental Other Other Hazardous Waste	0 Non-SI:t
Environmental Other Other Non Hazardous Waste Generated	0 Non-SI:t
Environmental Other Plastic Waste	0 Non-SI:t
Environmental Other Processes For Workers To Report The Work Related Hazards And To Remove Themselves From Such Risks Is Not Applicable	Not Applicable
Environmental Other Radioactive Waste	0 Non-SI:t
Environmental Other Recycling And/Or Safe Disposal As % To Total Turnover	0
Environmental Other Total Waste Disposed	0 Non-SI:t
Environmental Other Total Waste Generated	0 Non-SI:t
Environmental Other Total Waste Recovered	0 Non-SI:t
Environmental Other Waste Disposed By Incineration	0 Non-SI:t
Environmental Other Waste Disposed By Landfilling	0 Non-SI:t
Environmental Other Waste Disposed By Other Disposal Operations	0 Non-SI:t
Environmental Other Waste Intensity In Term Of Physical Output	0 Non-SI:t
Environmental Other Waste Intensity Per Rupee Of Turnover	0 Non-SI:t
Environmental Other Waste Intensity Per Rupee Of Turnover Adjusting For Purchasing Power Parity	0 Non-SI:t
Environmental Other Waste Recovered Through Other Recovery Operations	0 Non-SI:t
Environmental Other Waste Recovered Through Re Used	0 Non-SI:t
Environmental Other Waste Recovered Through Recycled	0 Non-SI:t
Environmental Other Processes For Workers To Report The Work Related Hazards And To Remove Themselves From Such Risks	NA
Environmental Water External assurance on water withdrawal (Yes/No)	No
Environmental Water Total Volume Of Water Consumption	0 kL
Environmental Water Total Volume Of Water Withdrawal	0 kL
Environmental Water Total Water Discharged In Kilolitres	0 kL
Environmental Water Water Discharge By Sent To Third Parties	0 kL
Environmental Water Water Discharge By Sent To Third Parties With Treatment	0 kL
Environmental Water Water Discharge By Sent To Third Parties Without Treatment	0 kL
Environmental Water Water Discharge To Others	0 kL
Environmental Water Water Discharge To Others With Treatment	0 kL
Environmental Water Water Discharge To Others Without Treatment	0 kL
Environmental Water Water Discharge To Seawater	0 kL
Environmental Water Water Discharge To Seawater With Out Treatment	0 kL
Environmental Water Water Discharge To Seawater With Treatment	0 kL
Environmental Water Water Intensity In Term Of Physical Output	0 kL
Environmental Water Water Intensity Per Rupee Of Turnover	0 kL
Environmental Water Water Intensity Per Rupee Of Turnover Adjusting For Purchasing Power Parity	0 kL
Environmental Water Water Withdrawal By Groundwater	0 kL
Environmental Water Water Withdrawal By Others	0 kL
Environmental Water Water Withdrawal By Seawater Or Desalinated Water	0 kL
Environmental Water Water Withdrawal By Surface Water	0 kL
Environmental Water Water Withdrawal By Third Party Water	0 kL
Environmental Water Water discharge to groundwater	0 kL
Environmental Water Water discharge to groundwater (treated)	0 kL
Environmental Water Water discharge to groundwater (untreated)	0 kL
Environmental Water Water discharge to surface water	0 kL
Environmental Water Water discharge to surface water (treated)	0 kL
Environmental Water Water discharge to surface water (untreated)	0 kL
Environmental Water Any Independent Assessment Or Evaluation Or Assurance Has Been Carried Out By An External Agency For Water Discharged	No
Governance Governance Complaints on directors conflict of interest (count)	0
Governance Governance Consumer Complaints Pending Resolution At End Of Year	1,397
Governance Governance Consumer Complaints Received Year	93,164
Governance Governance Directors with disciplinary actions (count)	0
Governance Governance Does The Entity Have ASpecified Committee Of The Board Or Director Responsible For Decision Making On Sustainability Related Issues	Yes
Governance Governance Employees with disciplinary actions (count)	0
Governance Governance KMPs with disciplinary actions (count)	0
Governance Governance Median Of Remuneration Or Salary Or Wages Of Board Of Directors	₹ 0
Governance Governance Median Of Remuneration Or Salary Or Wages Of Employees Other Than Bod And KMP	₹ 0
Governance Governance # Board Of Directors For Remuneration Or Salary Or Wages	0
Governance Governance # Complaints Filed Year	0
Governance Governance # Complaints Filed From Stake Holder Group Year	0
Governance Governance # Complaints Pending From Stake Holder Group Resolution At The End Of Year	0
Governance Governance # Complaints Pending Resolution At The End Of Year	0
Governance Governance # Complaints Received In Relation To Issues Of Conflict Of Interest Of The KMPs	0
Governance Governance # Employees Other Than Bod And KMPFor Remuneration Or Salary Or Wages	0
Governance Governance # Female Board Of Directors	1
Governance Governance % Female Board Of Directors	0.08
Governance Governance Remark For Consumer Complaints	--
Governance Governance Remarks In Case Complaints Received In Relation To Issues Of Conflict Of Interest Of The Kmps	NA
Governance Governance Remarks Stake Holder Group From Whom Complaint Is Received	0
Governance Governance Remarks on directors conflict of interest complaints	NA
Governance Governance Statement By Director Responsible For The Business Responsibility Report Highlighting ESGRelated Challenges Targets And Achievements	na
Governance Governance Total # Board Of Directors	12
Governance Governance Workers with disciplinary actions (count)	0
Governance Other Compliance With Statutory Requirements Of Relevance To The Principles And Rectification Of Any Non Compliances Frequency	Any other
Governance Other Compliance With Statutory Requirements Of Relevance To The Principles And Rectification Of Any Non Compliances Indicate Whether Review Was Undertaken By	Committee of the Board
Governance Other Description Of Other Frequency For Compliance With Statutory Requirements Of Relevance To The Principles And Rectification Of Any Non Compliances	As per periodicity mentioned in the policy
Governance Other Any Corrective Actions Taken Or Underway On Issues Relating To Advertising And Delivery Of Essential Services Or Cyber Security And Data Privacy Or Recalls Or Penalty Or Action Taken By Regul~5861 bc 5 c	Not Applicabe
Governance Other Impact Of Data Breaches	Not Applicable
Governance Other Mechanism Available To Receive And Redress Grievances For Permanent Employees	Yes, a dedicated Grievance Redressal portal has been implemented within the Banks HRMS solution wherein all employees can lodge their grievances
Governance Other Does The Entity Have AFramework Or Policy On Cyber Security And Risks Related To Data Privacy	Yes
Governance Other Does The Entity Have An Anti Corruption Or Anti Bribery Policy	No
Governance Other Grievance Redressal Mechanism In Place	No
Governance Other Has The Policy Been Approved By The Board	Yes
Governance Other Is There Mechanism Available To Receive And Redress Grievances For Other Than Permanent Employees	No
Governance Other Is There Mechanism Available To Receive And Redress Grievances For Other Than Permanent Workers	No
Governance Other Is There Mechanism Available To Receive And Redress Grievances For Permanent Employees	Yes
Governance Other Is There Mechanism Available To Receive And Redress Grievances For Permanent Workers	No
Governance Other Is There Mechanism Available To Receive And Redress Grievances For The Following Categories Of Employees And Worker	Yes
Governance Other # Instances Of Data Breaches Along With Impact	0
Governance Other % Data Breaches Involving Personally Identifiable Information Of Customers	0
Governance Other Web Link For Grievance Redress Policy	https://www.jkbank.com/sites/default/files/2025-04/Customer-Service-Policy-2022-updated-09-07-2024.pdf
Governance Other Any Independent Assessment Or Evaluation Or Assurance Has Been Carried Out By An External Agency For Waste Management	No
Governance Other Company Has Undertaken Assessment Or Assurance Of The BRSRCore	No
Other Other Address Of Corporate Office	Corporate Headquarters, M. A. Road, Srinagar, Kashmir –190001
Other Other Address Of Registered Office	Corporate Headquarters, M. A. Road, Srinagar, Kashmir –190001
Other Other Fines Or Penalties	₹ 33,180,000
Other Other Brief Of The Monetary Case For Penalty Or Fine	Penalty imposed by RBI on ATM cash outs.
Other Other Category	Associate
Other Other Channels Of Communication	Other
Other Other Contact # Contact Person	0194-2481928
Other Other Corporate Identity Number	L65110JK1938SGC000048
Other Other Date Of End Of FY	2025-03-31
Other Other Date Of End Of Previous Year	2024-03-31
Other Other Date Of End Of Prior To Previous Year	2023-03-31
Other Other Date Of Incorporation	1938-10-01
Other Other Date Of Start Of FY	2024-04-01
Other Other Date Of Start Of Previous Year	2023-04-01
Other Other Date Of Start Of Prior To Previous Year	2022-04-01
Other Other Deducted And Deposited With The Authority	NA
Other Other Describe The Processes For Identifying Key Stakeholder Groups	The key stakeholders are promoters (Govt. of Union territories of J&K & Ladakh) shareholders, investors, employees, customers and public at large
Other Other Description Of Business Activity	Banking activities viz. retail, corporate banking, investments, cross-selling etc.
Other Other Description Of Main Activity	Banking and Financial Services (Commercial Bank)
Other Other Description Of Other Frequency For Performance Against Above Policies And Follow Up Action	As per periodicity of review mentioned in the policy
Other Other Any Corrective Actions Taken Or Underway To Address Significant Risks Or Concerns Arising From The Assessments Of Plant And Office	Not Applicable
Other Other Any Corrective Actions Taken Or Underway To Address Significant Risks Or Concerns Arising From The Assessments Of Value Chain Partner	NA
Other Other Improvements In Environmental And Social Impacts Due To Capex	0
Other Other Improvements In Environmental And Social Impacts Due To RAnd D	0
Other Other Other Channels Of Communication	Website, advertisements, email, letters
Other Other Other Frequency Of Engagement	Ongoing
Other Other Case	Penalty imposed by RBI on ATM Cash Outs, the Bank represented to RBI for waiver of penalty and 22 instances amounting to `2.20 lacs have been waived –off and re...
Other Other Entity Has Not Applicable Translated The Policy Into Procedures	Not Applicable
Other Other Highest Authority Responsible For Implementation And Oversight Of The Business Responsibility Policy	The Board of the Bank through respective Committees
Other Other Policy Is Not Applicable	Not Applicable
Other Other Policies Has Not Applicable Each Principle And Its Core Elements Of The NGRBCs	Not Applicable
Other Other Disclose Any Significant Adverse Impact To The Environment Arising From The Value Chain What Mitigation Or Adaptation Measures Have Been Taken By The Entity In This Regard	Not Applicable
Other Other Disclose Wages Paid To Persons Employed	₹ 4,028,112,720
Other Other Do Human Rights Requirements Form Part Of Your Business Agreements And Contracts	Yes
Other Other Do The Enlisted Policies Extend To Your Value Chain Partners	No
Other Other Do You Have AFocal Point Responsible For Addressing Human Rights Impacts Or Issues Caused Or Contributed To By The Business	Yes
Other Other Do You Have APreferential Procurement Policy Where You Give Preference To Purchase From Suppliers Comprising Marginalized Or Vulnerable Groups	No
Other Other Does Company Participate In The Business Responsibility Initiatives Of The Listed Entity	No
Other Other Does The Entity Have ABusiness Continuity And Disaster Management Plan	Yes
Other Other Does The Entity Have An Equal Opportunity Policy As Per The Rights Of Persons With Disabilities Act 2016	No
Other Other Does The Entity Have Procedures In Place For Sustainable Sourcing	No
Other Other EMail Of Contact Person	board.sectt@jkbmail.com
Other Other EMail	board.sectt@jkbmail.com
Other Other Financial Implications Of The Risk Or Opportunity	Positive Implications
Other Other Frequency Of Engagement	Others – please specify
Other Other Has An Appeal Been Preferred For Penalty Or Fine	No
Other Other Has The Entity Carried Out Independent Assessment Evaluation Of The Working Of Its Policies By An External Agency	No
Other Other Has The Entity Conducted Life Cycle Perspective Or Assessments For Any Of Its Products Or For Its Services	NA
Other Other In Case Of Risk Approach To Adapt Or Mitigate	NA
Other Other Indicate Whether Risk Or Opportunity	O
Other Other Is The Entity Compliant With The Applicable Environmental Law	NA
Other Other Material Issue Identified	Social Responsibility
Other Other Median Of Remuneration Or Salary Or Wages Of Key Managerial Personnel	₹ 0
Other Other NGRBCPrinciple For Penalty Or Fine	Non-Compliance
Other Other NICCode Of Product Or Service Sold By The Entity	64,191
Other Other Name Of Contact Person	Mohammad Shafi Mir
Other Other Name Of Stock Exchange Where The Company Is Listed	NSE
Other Other Name	The Jammu & Kashmir Bank Limited
Other Other Name Of The Holding Or Subsidiary Associate Companies Or Joint Ventures	J&K Grameen Bank
Other Other Name Of The Regulatory Or Enforcement Agencies Or Judicial Institutions	Reserve Bank of India
Other Other Name Of The Regulatory Or Enforcement Agencies Or Judicial Institutions For Penalty Or Fine	Reserve Bank of India
Other Other Name Of The Trade And Industry Chambers Or Associations	Kashmir Chamber of Commerce & Industry (KCCI)
Other Other Net Worth	₹ 130,132,573,852.97
Other Other Notes Principle 7	The Bank does not participate in policy advocacy but is involved in consultation/ discussion forums with the government and other bodies in the banking industri...
Other Other # Affiliations With Trade And Industry Chambers Or Associations	5
Other Other # Countries Where Market Served By The Entity	0
Other Other # Female Key Management Personnel	0
Other Other # Forced Recalls	0
Other Other # Green Credits Have Been Generated Or Procured By The Listed Entity	0
Other Other # Green Credits Have Been Generated Or Procured By The Top Ten Value Chain Partners	0
Other Other # Key Managerial Personnel For Remuneration Or Salary Or Wages	0
Other Other # Locations	0
Other Other # States Where Market Served By The Entity	22
Other Other # Voluntary Recalls	0
Other Other % Beneficiaries From Vulnerable And Marginalized Groups	1
Other Other % Capex	0
Other Other % Child Labour Of Value Chain Partners P 5	0
Other Other % Child Labour Of Your Plants And Offices That Were Assessed P 5	0
Other Other % Directly Sourced From MSMEs Or Small Producers	0
Other Other % Discrimination At Work Place Of Value Chain Partners P 5	0
Other Other % Discrimination At Work Place Of Your Plants And Offices That Were Assessed P 5	0
Other Other % Female Key Management Personnel	0
Other Other % Forced Labour Or Involuntary Labour Of Value Chain Partners P 5	0
Other Other % Forced Labour Or Involuntary Labour Of Your Plants And Offices That Were Assessed P 5	0
Other Other % Job Creation	0.21
Other Other % Persons In Respective Category Covered By The Awareness Programmes	0
Other Other % RAnd D	0
Other Other % Shares Held By Listed Entity	0.35
Other Other % Sourced Directly From Within The District And Neighbouring Districts	0
Other Other % Wages Of Value Chain Partners P 5	0
Other Other % Wages Of Your Plants And Offices That Were Assessed P 5	0
Other Other % Working Conditions Of Your Plants And Offices That Were Assessed P 3	0
Other Other Performance Against Above Policies And Follow Up Action Frequency	Any other
Other Other Performance Against Above Policies And Follow Up Action Indicate Whether Review Was Undertaken By	Committee of the Board
Other Other Purpose And Scope Of Engagement Including Key Topics And Concerns Raised During Such Engagement	Vendor assessment and review, service and business related issues
Other Other Rationale For Identifying The Risk Opportunity	Improve the bank brand equity by promoting/ structuring products and services to uplift society and improve social/living standards
Other Other Reach Of Trade And Industry Chambers Or Associations	State
Other Other Reasons For Forced Recall	Not Applicable
Other Other Reasons For Voluntary Recall	Not Applicable
Other Other Reporting Boundary	Standalone basis
Other Other Revenue From Operations	₹ 136,726,751,680.8
Other Other Stakeholder Group	Suppliers
Other Other Telephone	0194-248-1930-35
Other Other Enlisted Policies Do Not Applicable Extend To Your Value Chain Partners	Not Applicable
Other Other Entity Has Not Applicable Conducted Life Cycle Perspective Or Assessments For Any Of Its Products Or For Its Services	Not Applicable
Other Other Entity Has Not Applicable Environmental Law	Not Applicable
Other Other Total # Key Management Personnel	4
Other Other Total Wage Cost	₹ 19,163,238,442
Other Other Value Of Shares Paid Up	₹ 1,101,182,463
Other Other Web Link Of The Policies	https://www.jkbank.com/policies
Other Other Website	www.jkbank.com
Other Other Extended Producer Responsibility Is Applicable To The Entity SActivities	No
Other Other Identified As Vulnerable And Marginalized Group	No
Other Other Entity Has Translated The Policy Into Procedures	Yes
Other Other Policies Cover Each Principle And Its Core Elements Of The NGRBCs	Yes
Social Other Amount Spent For CSRProjects Undertaken	₹ 11,200,000
Social Other Are The Premises Or Offices Accessible To Differently Abled Employees And Workers	Yes
Social Other Aspirational District Of CSRProjects Undertaken	Baramulla
Social Other CSRProject	Infrastructure Development at Gulshan Mehal hostel (Orphanage) run by JK Yateem Trust
Social Other Any Corrective Action Taken Or Underway To Address Safety Related Incidents Of Your Plants And Offices That Were Assessed	Not Applicable
Social Other Do The Employees Or Worker Have Access To Non Occupational Medical And Healthcare Services	Yes
Social Other Does The Entity Have Any Sites Or Facilities Identified As Designated Consumers Under The Performance Achieve And Trade Scheme Of The Government Of India	No
Social Other Environmental And Social Parameters Relevant To The Product As % To Total Turnover	0
Social Other High Consequence Work Related Injury Or Ill Health Excluding Fatalities	0
Social Other Lost Time Injury Frequency Rate Per One Million Person Hours Worked	0
Social Other Median Of Remuneration Or Salary Or Wages Of Workers	₹ 0
Social Other # Differently Abled Employees Or Workers	0
Social Other # Employees Covered As % Total Employees	0
Social Other # Employees Covered As % Total Worker	0
Social Other # Employees Or Worker For Performance And Career Development	0
Social Other # Employees Or Workers Are Part Of Associations Or Union	0
Social Other # Employees Or Workers Covered For Provided Training On Human Rights Issues	0
Social Other # Employees Or Workers Including Differently Abled	0
Social Other # Employees Or Workers Related To Minimum Wages	0
Social Other # Fatalities	0
Social Other # Persons Benefitted From CSRProjects	55
Social Other # Trained Employees Or Workers	0
Social Other # Well Being Of Employees Or Workers	0
Social Other # Workers For Remuneration Or Salary Or Wages	0
Social Other % Contribution Of Exports In The Total Turnover	0
Social Other % Differently Abled Employees Or Workers	0
Social Other % Employees Or Worker For Performance And Career Development	0
Social Other % Employees Or Workers Are Part Of Associations Or Union Of Total # Employee	0
Social Other % Employees Or Workers Covered For Provided Training On Human Rights Issues	0
Social Other % Employees Or Workers Including Differently Abled	0
Social Other % Employees Or Workers Related To Minimum Wages	0
Social Other % Health And Safety Practices Of Your Plants And Offices That Were Assessed P 3	0

Environmental Emissions

Does The Entity Have Any Project Related To Reducing Green House Gas Emission

No

Environmental Emissions

Air Emissions Other Than Ghg Emissions By The Entity Applicability

No

Environmental Emissions

Green House Gas Emissions And Its Intensity Applicability

No

Environmental Emissions

Total Scope 3 Emissions And Its Intensity Applicability

No

Environmental Energy

Total Energy Consumption And Energy Intensity Applicable To The Company

No

Environmental Other

Battery Waste

0 Non-SI:t

Environmental Other

Bio Medical Waste

0 Non-SI:t

Environmental Other

Construction And Demolition Waste

0 Non-SI:t

Environmental Other

Waste Management Practices Adopted In Your Establishments And The Strategy Adopted By Company To Reduce Usage Of Hazardous And Toxic Chemicals

Not Applicable

Environmental Other

EWaste

0 Non-SI:t

Environmental Other

Has The Entity Implemented Mechanism For Zero Liquid Discharge

No

Environmental Other

Other Hazardous Waste

0 Non-SI:t

Environmental Other

Other Non Hazardous Waste Generated

0 Non-SI:t

Environmental Other

Plastic Waste

0 Non-SI:t

Environmental Other

Processes For Workers To Report The Work Related Hazards And To Remove Themselves From Such Risks Is Not Applicable

Not Applicable

Environmental Other

Radioactive Waste

0 Non-SI:t

Environmental Other

Recycling And/Or Safe Disposal As % To Total Turnover

0

Environmental Other

Total Waste Disposed

0 Non-SI:t

Environmental Other

Total Waste Generated

0 Non-SI:t

Environmental Other

Total Waste Recovered

0 Non-SI:t

Environmental Other

Waste Disposed By Incineration

0 Non-SI:t

Environmental Other

Waste Disposed By Landfilling

0 Non-SI:t

Environmental Other

Waste Disposed By Other Disposal Operations

0 Non-SI:t

Environmental Other

Waste Intensity In Term Of Physical Output

0 Non-SI:t

Environmental Other

Waste Intensity Per Rupee Of Turnover

0 Non-SI:t

Environmental Other

Waste Intensity Per Rupee Of Turnover Adjusting For Purchasing Power Parity

0 Non-SI:t

Environmental Other

Waste Recovered Through Other Recovery Operations

0 Non-SI:t

Environmental Other

Waste Recovered Through Re Used

0 Non-SI:t

Environmental Other

Waste Recovered Through Recycled

0 Non-SI:t

Environmental Other

Processes For Workers To Report The Work Related Hazards And To Remove Themselves From Such Risks

NA

Environmental Water

External assurance on water withdrawal (Yes/No)

No

Environmental Water

Total Volume Of Water Consumption

0 kL

Environmental Water

Total Volume Of Water Withdrawal

0 kL

Environmental Water

Total Water Discharged In Kilolitres

0 kL

Environmental Water

Water Discharge By Sent To Third Parties

0 kL

Environmental Water

Water Discharge By Sent To Third Parties With Treatment

0 kL

Environmental Water

Water Discharge By Sent To Third Parties Without Treatment

0 kL

Environmental Water

Water Discharge To Others

0 kL

Environmental Water

Water Discharge To Others With Treatment

0 kL

Environmental Water

Water Discharge To Others Without Treatment

0 kL

Environmental Water

Water Discharge To Seawater

0 kL

Environmental Water

Water Discharge To Seawater With Out Treatment

0 kL

Environmental Water

Water Discharge To Seawater With Treatment

0 kL

Environmental Water

Water Intensity In Term Of Physical Output

0 kL

Environmental Water

Water Intensity Per Rupee Of Turnover

0 kL

Environmental Water

Water Intensity Per Rupee Of Turnover Adjusting For Purchasing Power Parity

0 kL

Environmental Water

Water Withdrawal By Groundwater

0 kL

Environmental Water

Water Withdrawal By Others

0 kL

Environmental Water

Water Withdrawal By Seawater Or Desalinated Water

0 kL

Environmental Water

Water Withdrawal By Surface Water

0 kL

Environmental Water

Water Withdrawal By Third Party Water

0 kL

Environmental Water

Water discharge to groundwater

0 kL

Environmental Water

Water discharge to groundwater (treated)

0 kL

Environmental Water

Water discharge to groundwater (untreated)

0 kL

Environmental Water

Water discharge to surface water

0 kL

Environmental Water

Water discharge to surface water (treated)

0 kL

Environmental Water

Water discharge to surface water (untreated)

0 kL

Environmental Water

Any Independent Assessment Or Evaluation Or Assurance Has Been Carried Out By An External Agency For Water Discharged

No

Governance Governance

Complaints on directors conflict of interest (count)

0

Governance Governance

Consumer Complaints Pending Resolution At End Of Year

1,397

Governance Governance

Consumer Complaints Received Year

93,164

Governance Governance

Directors with disciplinary actions (count)

0

Governance Governance

Does The Entity Have ASpecified Committee Of The Board Or Director Responsible For Decision Making On Sustainability Related Issues

Yes

Governance Governance

Employees with disciplinary actions (count)

0

Governance Governance

KMPs with disciplinary actions (count)

0

Governance Governance

Median Of Remuneration Or Salary Or Wages Of Board Of Directors

₹ 0

Governance Governance

Median Of Remuneration Or Salary Or Wages Of Employees Other Than Bod And KMP

₹ 0

Governance Governance

# Board Of Directors For Remuneration Or Salary Or Wages

0

Governance Governance

# Complaints Filed Year

0

Governance Governance

# Complaints Filed From Stake Holder Group Year

0

Governance Governance

# Complaints Pending From Stake Holder Group Resolution At The End Of Year

0

Governance Governance

# Complaints Pending Resolution At The End Of Year

0

Governance Governance

# Complaints Received In Relation To Issues Of Conflict Of Interest Of The KMPs

0

Governance Governance

# Employees Other Than Bod And KMPFor Remuneration Or Salary Or Wages

0

Governance Governance

# Female Board Of Directors

1

Governance Governance

% Female Board Of Directors

0.08

Governance Governance

Remark For Consumer Complaints

--

Governance Governance

Remarks In Case Complaints Received In Relation To Issues Of Conflict Of Interest Of The Kmps

NA

Governance Governance

Remarks Stake Holder Group From Whom Complaint Is Received

0

Governance Governance

Remarks on directors conflict of interest complaints

NA

Governance Governance

Statement By Director Responsible For The Business Responsibility Report Highlighting ESGRelated Challenges Targets And Achievements

na

Governance Governance

Total # Board Of Directors

12

Governance Governance

Workers with disciplinary actions (count)

0

Governance Other

Compliance With Statutory Requirements Of Relevance To The Principles And Rectification Of Any Non Compliances Frequency

Any other

Governance Other

Compliance With Statutory Requirements Of Relevance To The Principles And Rectification Of Any Non Compliances Indicate Whether Review Was Undertaken By

Committee of the Board

Governance Other

Description Of Other Frequency For Compliance With Statutory Requirements Of Relevance To The Principles And Rectification Of Any Non Compliances

As per periodicity mentioned in the policy

Governance Other

Any Corrective Actions Taken Or Underway On Issues Relating To Advertising And Delivery Of Essential Services Or Cyber Security And Data Privacy Or Recalls Or Penalty Or Action Taken By Regul~5861 bc 5 c

Not Applicabe

Governance Other

Impact Of Data Breaches

Not Applicable

Governance Other

Mechanism Available To Receive And Redress Grievances For Permanent Employees

Yes, a dedicated Grievance Redressal portal has been implemented within the Banks HRMS solution wherein all employees can lodge their grievances

Governance Other

Does The Entity Have AFramework Or Policy On Cyber Security And Risks Related To Data Privacy

Yes

Governance Other

Does The Entity Have An Anti Corruption Or Anti Bribery Policy

No

Governance Other

Grievance Redressal Mechanism In Place

No

Governance Other

Has The Policy Been Approved By The Board

Yes

Governance Other

Is There Mechanism Available To Receive And Redress Grievances For Other Than Permanent Employees

No

Governance Other

Is There Mechanism Available To Receive And Redress Grievances For Other Than Permanent Workers

No

Governance Other

Is There Mechanism Available To Receive And Redress Grievances For Permanent Employees

Yes

Governance Other

Is There Mechanism Available To Receive And Redress Grievances For Permanent Workers

No

Governance Other

Is There Mechanism Available To Receive And Redress Grievances For The Following Categories Of Employees And Worker

Yes

Governance Other

# Instances Of Data Breaches Along With Impact

0

Governance Other

% Data Breaches Involving Personally Identifiable Information Of Customers

0

Governance Other

Web Link For Grievance Redress Policy

https://www.jkbank.com/sites/default/files/2025-04/Customer-Service-Policy-2022-updated-09-07-2024.pdf

Governance Other

Any Independent Assessment Or Evaluation Or Assurance Has Been Carried Out By An External Agency For Waste Management

No

Governance Other

Company Has Undertaken Assessment Or Assurance Of The BRSRCore

No

Other Other

Address Of Corporate Office

Corporate Headquarters, M. A. Road, Srinagar, Kashmir –190001

Other Other

Address Of Registered Office

Corporate Headquarters, M. A. Road, Srinagar, Kashmir –190001

Other Other

Fines Or Penalties

₹ 33,180,000

Other Other

Brief Of The Monetary Case For Penalty Or Fine

Penalty imposed by RBI on ATM cash outs.

Other Other

Category

Associate

Other Other

Channels Of Communication

Other

Other Other

Contact # Contact Person

0194-2481928

Other Other

Corporate Identity Number

L65110JK1938SGC000048

Other Other

Date Of End Of FY

2025-03-31

Other Other

Date Of End Of Previous Year

2024-03-31

Other Other

Date Of End Of Prior To Previous Year

2023-03-31

Other Other

Date Of Incorporation

1938-10-01

Other Other

Date Of Start Of FY

2024-04-01

Other Other

Date Of Start Of Previous Year

2023-04-01

Other Other

Date Of Start Of Prior To Previous Year

2022-04-01

Other Other

Deducted And Deposited With The Authority

NA

Other Other

Describe The Processes For Identifying Key Stakeholder Groups

The key stakeholders are promoters (Govt. of Union territories of J&K & Ladakh) shareholders, investors, employees, customers and public at large

Other Other

Description Of Business Activity

Banking activities viz. retail, corporate banking, investments, cross-selling etc.

Other Other

Description Of Main Activity

Banking and Financial Services (Commercial Bank)

Other Other

Description Of Other Frequency For Performance Against Above Policies And Follow Up Action

As per periodicity of review mentioned in the policy

Other Other

Any Corrective Actions Taken Or Underway To Address Significant Risks Or Concerns Arising From The Assessments Of Plant And Office

Not Applicable

Other Other

Any Corrective Actions Taken Or Underway To Address Significant Risks Or Concerns Arising From The Assessments Of Value Chain Partner

NA

Other Other

Improvements In Environmental And Social Impacts Due To Capex

0

Other Other

Improvements In Environmental And Social Impacts Due To RAnd D

0

Other Other

Other Channels Of Communication

Website, advertisements, email, letters

Other Other

Other Frequency Of Engagement

Ongoing

Other Other

Case

Penalty imposed by RBI on ATM Cash Outs, the Bank represented to RBI for waiver of penalty and 22 instances amounting to `2.20 lacs have been waived –off and re...

Other Other

Entity Has Not Applicable Translated The Policy Into Procedures

Not Applicable

Other Other

Highest Authority Responsible For Implementation And Oversight Of The Business Responsibility Policy

The Board of the Bank through respective Committees

Other Other

Policy Is Not Applicable

Not Applicable

Other Other

Policies Has Not Applicable Each Principle And Its Core Elements Of The NGRBCs

Not Applicable

Other Other

Disclose Any Significant Adverse Impact To The Environment Arising From The Value Chain What Mitigation Or Adaptation Measures Have Been Taken By The Entity In This Regard

Not Applicable

Other Other

Disclose Wages Paid To Persons Employed

₹ 4,028,112,720

Other Other

Do Human Rights Requirements Form Part Of Your Business Agreements And Contracts

Yes

Other Other

Do The Enlisted Policies Extend To Your Value Chain Partners

No

Other Other

Do You Have AFocal Point Responsible For Addressing Human Rights Impacts Or Issues Caused Or Contributed To By The Business

Yes

Other Other

Do You Have APreferential Procurement Policy Where You Give Preference To Purchase From Suppliers Comprising Marginalized Or Vulnerable Groups

No

Other Other

Does Company Participate In The Business Responsibility Initiatives Of The Listed Entity

No

Other Other

Does The Entity Have ABusiness Continuity And Disaster Management Plan

Yes

Other Other

Does The Entity Have An Equal Opportunity Policy As Per The Rights Of Persons With Disabilities Act 2016

No

Other Other

Does The Entity Have Procedures In Place For Sustainable Sourcing

No

Other Other

EMail Of Contact Person

board.sectt@jkbmail.com

Other Other

EMail

board.sectt@jkbmail.com

Other Other

Financial Implications Of The Risk Or Opportunity

Positive Implications

Other Other

Frequency Of Engagement

Others – please specify

Other Other

Has An Appeal Been Preferred For Penalty Or Fine

No

Other Other

Has The Entity Carried Out Independent Assessment Evaluation Of The Working Of Its Policies By An External Agency

No

Other Other

Has The Entity Conducted Life Cycle Perspective Or Assessments For Any Of Its Products Or For Its Services

NA

Other Other

In Case Of Risk Approach To Adapt Or Mitigate

NA

Other Other

Indicate Whether Risk Or Opportunity

O

Other Other

Is The Entity Compliant With The Applicable Environmental Law

NA

Other Other

Material Issue Identified

Social Responsibility

Other Other

Median Of Remuneration Or Salary Or Wages Of Key Managerial Personnel

₹ 0

Other Other

NGRBCPrinciple For Penalty Or Fine

Non-Compliance

Other Other

NICCode Of Product Or Service Sold By The Entity

64,191

Other Other

Name Of Contact Person

Mohammad Shafi Mir

Other Other

Name Of Stock Exchange Where The Company Is Listed

NSE

Other Other

Name

The Jammu & Kashmir Bank Limited

Other Other

Name Of The Holding Or Subsidiary Associate Companies Or Joint Ventures

J&K Grameen Bank

Other Other

Name Of The Regulatory Or Enforcement Agencies Or Judicial Institutions

Reserve Bank of India

Other Other

Name Of The Regulatory Or Enforcement Agencies Or Judicial Institutions For Penalty Or Fine

Reserve Bank of India

Other Other

Name Of The Trade And Industry Chambers Or Associations

Kashmir Chamber of Commerce & Industry (KCCI)

Other Other

Net Worth

₹ 130,132,573,852.97

Other Other

Notes Principle 7

The Bank does not participate in policy advocacy but is involved in consultation/ discussion forums with the government and other bodies in the banking industri...

Other Other

# Affiliations With Trade And Industry Chambers Or Associations

5

Other Other

# Countries Where Market Served By The Entity

0

Other Other

# Female Key Management Personnel

0

Other Other

# Forced Recalls

0

Other Other

# Green Credits Have Been Generated Or Procured By The Listed Entity

0

Other Other

# Green Credits Have Been Generated Or Procured By The Top Ten Value Chain Partners

0

Other Other

# Key Managerial Personnel For Remuneration Or Salary Or Wages

0

Other Other

# Locations

0

Other Other

# States Where Market Served By The Entity

22

Other Other

# Voluntary Recalls

0

Other Other

% Beneficiaries From Vulnerable And Marginalized Groups

1

Other Other

% Capex

0

Other Other

% Child Labour Of Value Chain Partners P 5

0

Other Other

% Child Labour Of Your Plants And Offices That Were Assessed P 5

0

Other Other

% Directly Sourced From MSMEs Or Small Producers

0

Other Other

% Discrimination At Work Place Of Value Chain Partners P 5

0

Other Other

% Discrimination At Work Place Of Your Plants And Offices That Were Assessed P 5

0

Other Other

% Female Key Management Personnel

0

Other Other

% Forced Labour Or Involuntary Labour Of Value Chain Partners P 5

0

Other Other

% Forced Labour Or Involuntary Labour Of Your Plants And Offices That Were Assessed P 5

0

Other Other

% Job Creation

0.21

Other Other

% Persons In Respective Category Covered By The Awareness Programmes

0

Other Other

% RAnd D

0

Other Other

% Shares Held By Listed Entity

0.35

Other Other

% Sourced Directly From Within The District And Neighbouring Districts

0

Other Other

% Wages Of Value Chain Partners P 5

0

Other Other

% Wages Of Your Plants And Offices That Were Assessed P 5

0

Other Other

% Working Conditions Of Your Plants And Offices That Were Assessed P 3

0

Other Other

Performance Against Above Policies And Follow Up Action Frequency

Any other

Other Other

Performance Against Above Policies And Follow Up Action Indicate Whether Review Was Undertaken By

Committee of the Board

Other Other

Purpose And Scope Of Engagement Including Key Topics And Concerns Raised During Such Engagement

Vendor assessment and review, service and business related issues

Other Other

Rationale For Identifying The Risk Opportunity

Improve the bank brand equity by promoting/ structuring products and services to uplift society and improve social/living standards

Other Other

Reach Of Trade And Industry Chambers Or Associations

State

Other Other

Reasons For Forced Recall

Not Applicable

Other Other

Reasons For Voluntary Recall

Not Applicable

Other Other

Reporting Boundary

Standalone basis

Other Other

Revenue From Operations

₹ 136,726,751,680.8

Other Other

Stakeholder Group

Suppliers

Other Other

Telephone

0194-248-1930-35

Other Other

Enlisted Policies Do Not Applicable Extend To Your Value Chain Partners

Not Applicable

Other Other

Entity Has Not Applicable Conducted Life Cycle Perspective Or Assessments For Any Of Its Products Or For Its Services

Not Applicable

Other Other

Entity Has Not Applicable Environmental Law

Not Applicable

Other Other

Total # Key Management Personnel

4

Other Other

Total Wage Cost

₹ 19,163,238,442

Other Other

Value Of Shares Paid Up

₹ 1,101,182,463

Other Other

Web Link Of The Policies

https://www.jkbank.com/policies

Other Other

Website

www.jkbank.com

Other Other

Extended Producer Responsibility Is Applicable To The Entity SActivities

No

Other Other

Identified As Vulnerable And Marginalized Group

No

Other Other

Entity Has Translated The Policy Into Procedures

Yes

Other Other

Policies Cover Each Principle And Its Core Elements Of The NGRBCs

Yes

Social Other

Amount Spent For CSRProjects Undertaken

₹ 11,200,000

Social Other

Are The Premises Or Offices Accessible To Differently Abled Employees And Workers

Yes

Social Other

Aspirational District Of CSRProjects Undertaken

Baramulla

Social Other

CSRProject

Infrastructure Development at Gulshan Mehal hostel (Orphanage) run by JK Yateem Trust

Social Other

Any Corrective Action Taken Or Underway To Address Safety Related Incidents Of Your Plants And Offices That Were Assessed

Not Applicable

Social Other

Do The Employees Or Worker Have Access To Non Occupational Medical And Healthcare Services

Yes

Social Other

Does The Entity Have Any Sites Or Facilities Identified As Designated Consumers Under The Performance Achieve And Trade Scheme Of The Government Of India

No

Social Other

Environmental And Social Parameters Relevant To The Product As % To Total Turnover

0

Social Other

High Consequence Work Related Injury Or Ill Health Excluding Fatalities

0

Social Other

Lost Time Injury Frequency Rate Per One Million Person Hours Worked

0

Social Other

Median Of Remuneration Or Salary Or Wages Of Workers

₹ 0

Social Other

# Differently Abled Employees Or Workers

0

Social Other

# Employees Covered As % Total Employees

0

Social Other

# Employees Covered As % Total Worker

0

Social Other

# Employees Or Worker For Performance And Career Development

0

Social Other

# Employees Or Workers Are Part Of Associations Or Union

0

Social Other

# Employees Or Workers Covered For Provided Training On Human Rights Issues

0

Social Other

# Employees Or Workers Including Differently Abled

0

Social Other

# Employees Or Workers Related To Minimum Wages

0

Social Other

# Fatalities

0

Social Other

# Persons Benefitted From CSRProjects

55

Social Other

# Trained Employees Or Workers

0

Social Other

# Well Being Of Employees Or Workers

0

Social Other

# Workers For Remuneration Or Salary Or Wages

0

Social Other

% Contribution Of Exports In The Total Turnover

0

Social Other

% Differently Abled Employees Or Workers

0

Social Other

% Employees Or Worker For Performance And Career Development

0

Social Other

% Employees Or Workers Are Part Of Associations Or Union Of Total # Employee

0

Social Other

% Employees Or Workers Covered For Provided Training On Human Rights Issues

0

Social Other

% Employees Or Workers Including Differently Abled

0

Social Other

% Employees Or Workers Related To Minimum Wages

0

Social Other

% Health And Safety Practices Of Your Plants And Offices That Were Assessed P 3

0

The Jammu & Kashmir Bank Limited Comparison