The Karnataka Bank Limited

1.6%

wth… Deposits and Advances Growth Profitability Metrics Asset Quality Gross Advances1 Growth: -1.6% 75,455 74,267 Growth: 5.1% (In Retail, Agri & MSME) INR cr. 2,278 30,216 10,906 14,834 19,4

5.1%

owth Profitability Metrics Asset Quality Gross Advances1 Growth: -1.6% 75,455 74,267 Growth: 5.1% (In Retail, Agri & MSME) INR cr. 2,278 30,216 10,906 14,834 19,499 26,701 12,168 13,860 21,

3.2%

sits Q1FY25 1,00,080 cr. CASA Q1FY25 30,530 cr. Retail Term Deposit Q1FY25 60,134 cr. Growth: 3.2% Growth: 4.3% Growth: 9.4% Q1FY26 1,03,242 cr. Q1FY26 31,835 cr. Q1FY26 65,786 cr. 1,375 903

4.3%

,00,080 cr. CASA Q1FY25 30,530 cr. Retail Term Deposit Q1FY25 60,134 cr. Growth: 3.2% Growth: 4.3% Growth: 9.4% Q1FY26 1,03,242 cr. Q1FY26 31,835 cr. Q1FY26 65,786 cr. 1,375 903 2,261 1,506

9.4%

ASA Q1FY25 30,530 cr. Retail Term Deposit Q1FY25 60,134 cr. Growth: 3.2% Growth: 4.3% Growth: 9.4% Q1FY26 1,03,242 cr. Q1FY26 31,835 cr. Q1FY26 65,786 cr. 1,375 903 2,261 1,506 756 GII GIE

14.45%

■ Q1FY26 GII – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 14.45% 1.38% Q1FY25 9.58% 0.97% Q1FY26 ROE ROA Interest on Income Tax Refund of Rs.81.32 crores wa

1.38%

26 GII – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 14.45% 1.38% Q1FY25 9.58% 0.97% Q1FY26 ROE ROA Interest on Income Tax Refund of Rs.81.32 crores was rece

9.58%

Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 14.45% 1.38% Q1FY25 9.58% 0.97% Q1FY26 ROE ROA Interest on Income Tax Refund of Rs.81.32 crores was received during Q1F

0.97%

st Income; GIE – Gross Interest Expense; NII – Net Interest Income 14.45% 1.38% Q1FY25 9.58% 0.97% Q1FY26 ROE ROA Interest on Income Tax Refund of Rs.81.32 crores was received during Q1FY25 whi

Rs.81.32 crore

est Income 14.45% 1.38% Q1FY25 9.58% 0.97% Q1FY26 ROE ROA Interest on Income Tax Refund of Rs.81.32 crores was received during Q1FY25 which has consequently increased ROA & ROE for that period. Notes:

rs 3

ons done as per internal classifications 2. Other include NBFC, SME, Large & Mid Corporates and Others 3 3.54% 1.66% Q1FY25 3.46% 1.44% Q1FY26 GNPA NNPA --------------------------------------------

3.54%

e as per internal classifications 2. Other include NBFC, SME, Large & Mid Corporates and Others 3 3.54% 1.66% Q1FY25 3.46% 1.44% Q1FY26 GNPA NNPA ---------------------------------------------,---

NNPA

1

Cost of Funds

1

NNPA

1% - 1.2% Enhance Asset Quality CASA %: 30.0% - 32.0% Stable Source of Funding ~ ROA %: 1.1% - 1.2% Effective Capital Allocation NIM %: 3% - 3.3% Consistent Interest Margins

Cost of Funds

5.3% - 5.6% Optimize Funding Costs Consolidation of financial position to build stakeholder value and enhanced return on equity 25 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 C l ear Yo ur Pa th to S u ccess with Education Loan up to ~2 crores·· Un sec u red loan up to ~40 lakhs In su r a n ce for student and parent E du cat io n Simplified . +· S u ccess Amplified . K BL PEAK Exclusive rewards. Flexible savings Limitless poss1b11it1es Retail loans Liability Products ADC Channels Agri Schemes Products in Pipeline –  EMI based loan offering for Gold Loans  Pre-Approved Personal Loans for Salaried & Self Employed  Surrogate Based lending  KBL Woman Savings Account – KBL STRI  KBL Family Account – KBL ONE FAMILY  KBL One – Corporate Mobile App  QR Sound Box of multi language  KBL Merch