The Karnataka Bank Limited

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Investor Presentation 03 August 2023 Table of Contents Sr. No. Particulars 1 2 3 4 New Management Team Strategic Roadmap Our Strengths Financial Highlights 2 Pg. No. 3

5%

& Commercial Banking 3 …Guided by Experienced and Independent Board With no shareholder holding >5% share capital in the Bank P Pradeep Kumar Part Time Chairman, Independent Director Former MD, Stat

37.4%

dians bank with us ▪ Tradition with Innovation ▪ Outbound Sales Culture ▪ Startup-like Agility 37.4% Share of MSME & Agri-Loans 46.0% Branches in Rural & Semi-Urban Areas ▪ Capitalise on community

46.0%

th Innovation ▪ Outbound Sales Culture ▪ Startup-like Agility 37.4% Share of MSME & Agri-Loans 46.0% Branches in Rural & Semi-Urban Areas ▪ Capitalise on community network ▪ MSME and Rural to be ke

rs 45.5

ural & Semi-Urban Areas ▪ Capitalise on community network ▪ MSME and Rural to be key growth drivers 45.5% 50.3% ▪ Enhanced RoA and RoE Increase in % of Retail Advances from FY20 to FY23 ▪ Focus on Ret

50.3%

i-Urban Areas ▪ Capitalise on community network ▪ MSME and Rural to be key growth drivers 45.5% 50.3% ▪ Enhanced RoA and RoE Increase in % of Retail Advances from FY20 to FY23 ▪ Focus on Retail - Ho

4.2%

and RoE Increase in % of Retail Advances from FY20 to FY23 ▪ Focus on Retail - Home, Gold Loans 4.2%2 Market share in Karnataka 22 States Pan-India presence ▪ Wider Geographical Presence ▪ Cro

90.0%

ons % of Digital Underwriting on Overall Sanctions BHIM-UPI Transactions Digital Transactions 90.0% FY21 93.5% FY23 # Regd. Mobile Banking Users 1.2 Mn FY21 2.9 Mn FY23 Runner up Best Fintech A

93.5%

gital Underwriting on Overall Sanctions BHIM-UPI Transactions Digital Transactions 90.0% FY21 93.5% FY23 # Regd. Mobile Banking Users 1.2 Mn FY21 2.9 Mn FY23 Runner up Best Fintech Adoption Sma

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s BHIM-UPI Transactions Digital Transactions 90.0% FY21 93.5% FY23 # Regd. Mobile Banking Users 1.2 Mn FY21 2.9 Mn FY23 Runner up Best Fintech Adoption Small Bank Category 2022 From Indian Banks’

100%

Fintech Adoption Small Bank Category 2022 From Indian Banks’ Association (IBA) Personal Loan : 100% Car Loans : 79% Home Loans : 75% MSME Loans : 70% 14 UPI Transaction Value (INR Cr.) 60,914

79%

Small Bank Category 2022 From Indian Banks’ Association (IBA) Personal Loan : 100% Car Loans : 79% Home Loans : 75% MSME Loans : 70% 14 UPI Transaction Value (INR Cr.) 60,914 FY21 163,639 FY2