The Karnataka Bank Limited

6.8%

tion… Deposits and Advances Growth Profitability Metrics Asset Quality Gross Advances1 Growth: 6.8% 73,002 77,959 Growth: 10.1% (In Retail, Agri & MSME) 29,883 10,029 14,774 18,316 30,467 12,

10.1%

rowth Profitability Metrics Asset Quality Gross Advances1 Growth: 6.8% 73,002 77,959 Growth: 10.1% (In Retail, Agri & MSME) 29,883 10,029 14,774 18,316 30,467 12,751 13,945 20,796 NII excl. I

Rs. 3,371 Crore

14,774 18,316 30,467 12,751 13,945 20,796 NII excl. Impact of Penal Charges Reclassification - Rs. 3,371 Crore (FY25) INR cr. 8,299 5,000 3,299 9,013 5,703 3,310 FY24 FY25 GII GIE NII GII GIE NII

rs 2

,299 9,013 5,703 3,310 FY24 FY25 GII GIE NII GII GIE NII Retail MSME Agriculture Others 2 FY24 FY25 Total Deposits FY24 97,988 cr. CASA FY24 31,293 cr. Growth: 7.0% Growth: 6.4% Reta

7.0%

Agriculture Others 2 FY24 FY25 Total Deposits FY24 97,988 cr. CASA FY24 31,293 cr. Growth: 7.0% Growth: 6.4% Retail Term Deposit FY24 58,616 cr. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281

6.4%

thers 2 FY24 FY25 Total Deposits FY24 97,988 cr. CASA FY24 31,293 cr. Growth: 7.0% Growth: 6.4% Retail Term Deposit FY24 58,616 cr. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281 cr. FY25 64,6

10.2%

. CASA FY24 31,293 cr. Growth: 7.0% Growth: 6.4% Retail Term Deposit FY24 58,616 cr. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281 cr. FY25 64,600 cr. 13.71% 1.19% FY24 11.10% 1.05% FY25 ROE

13.71%

Term Deposit FY24 58,616 cr. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281 cr. FY25 64,600 cr. 13.71% 1.19% FY24 11.10% 1.05% FY25 ROE ROA FY25 ROA: 1.14% (Adj. for AFS Reserve) 3.53% 1.58%

1.19%

posit FY24 58,616 cr. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281 cr. FY25 64,600 cr. 13.71% 1.19% FY24 11.10% 1.05% FY25 ROE ROA FY25 ROA: 1.14% (Adj. for AFS Reserve) 3.53% 1.58% FY24 3

11.10%

8,616 cr. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281 cr. FY25 64,600 cr. 13.71% 1.19% FY24 11.10% 1.05% FY25 ROE ROA FY25 ROA: 1.14% (Adj. for AFS Reserve) 3.53% 1.58% FY24 3.08% 1.31% F

1.05%

. Growth: 10.2% FY25 1,04,807 cr. FY25 33,281 cr. FY25 64,600 cr. 13.71% 1.19% FY24 11.10% 1.05% FY25 ROE ROA FY25 ROA: 1.14% (Adj. for AFS Reserve) 3.53% 1.58% FY24 3.08% 1.31% FY25 GN

1.14%

r. FY25 33,281 cr. FY25 64,600 cr. 13.71% 1.19% FY24 11.10% 1.05% FY25 ROE ROA FY25 ROA: 1.14% (Adj. for AFS Reserve) 3.53% 1.58% FY24 3.08% 1.31% FY25 GNPA NNPA 2.80% 1.71% 79.22% 8

NNPA

1

Cost of Funds

1

NNPA

0.9% - 1.1% Enhance Asset Quality CASA %: 30.0% - 32.0% Stable Source of Funding ROA %: 1.1% - 1.2% Effective Capital Allocation NIM %: 3.2% - 3.4% Consistent Interest Margins

Cost of Funds

5.25% - 5.5% Optimize Funding Costs Consolidation of financial position to build stakeholder value and enhanced return on equity 30 Products Building a Comprehensive Portfolio of Products Customer-centric approach for creating products Leverage Cross-sell & Up-sell opportunities Comprehensive product suite Pipeline of products for continuous growth Retail Agriculture MSME Retail loans Liability Products ADC Channels Agri Schemes MSME Products ▪ KBL G-Perl – Personal Loans for Govt Employees ▪ KBL Woman Savings Account – KBL STRI ▪ KBL PEAK Education Loans. ▪ KBL Family Account – KBL ONE FAMILY ▪ Credit Line on UPI. ▪ Pre Approved Personal Loans for Salaried & Self Employed - Products in Pipeline ▪ KBL One – Corporate Mobile App ▪ QR Sound Box of multi language ▪ KBL Merchant App - payment app for merchants to be launched soon ▪ KBL Krishik Tractor - Loans for Purchase of Tractor ▪ KBL Saathi – Loans for SHG/JLG - to be launched soon ▪ Introduction of KBL Medi Equip Loan ▪ Revamp of KBL