The Karnataka Bank Limited

0.8%

transitions to achieve stability and sustainable growth… Deposits and Advances Gross Advances1 -0.8% 74,267 cr. 73,644 cr. 0.8% (In Retail, Agri & MSME) 26,701 12,168 13,860 21,538 25,686 11,3

rs 2

2,168 13,860 21,538 25,686 11,359 14,248 22,351 Q1FY26 Q2FY26 Retail MSME Agriculture Others 2 Total Deposits Q1FY26 1,03,242 cr. CASA Q1FY26 31,835 cr. Retail Term Deposit Q1FY26 65,786 cr.

0.4%

al Deposits Q1FY26 1,03,242 cr. CASA Q1FY26 31,835 cr. Retail Term Deposit Q1FY26 65,786 cr. -0.4% 0.1% -0.4% Q2FY26 1,02,817 cr. Q2FY26 31,882 cr. Q2FY26 65,532 cr. Profitability Metrics Ass

0.1%

osits Q1FY26 1,03,242 cr. CASA Q1FY26 31,835 cr. Retail Term Deposit Q1FY26 65,786 cr. -0.4% 0.1% -0.4% Q2FY26 1,02,817 cr. Q2FY26 31,882 cr. Q2FY26 65,532 cr. Profitability Metrics Asset Qua

3.46%

26 Q2FY26 GII – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE

1.44%

Y26 GII – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0

3.33%

s Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0.53% 0.35% 59

1.35%

est Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0.53% 0.35% 59.18% 6

9.58%

terest Expense; NII – Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0.53% 0.35% 59.18% 60.22% Q1FY26 Q2FY26 Q1FY

0.97%

Expense; NII – Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0.53% 0.35% 59.18% 60.22% Q1FY26 Q2FY26 Q1FY26 Q2F

10.14%

Net Interest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0.53% 0.35% 59.18% 60.22% Q1FY26 Q2FY26 Q1FY26 Q2FY26 Slippage P

1.03%

erest Income 3.46% 1.44% Q1FY26 3.33% 1.35% Q2FY26 GNPA NNPA 9.58% 0.97% Q1FY26 10.14% 1.03% Q2FY26 ROE ROA 0.53% 0.35% 59.18% 60.22% Q1FY26 Q2FY26 Q1FY26 Q2FY26 Slippage PCR (exc

“Launch of Flexi Fixed Deposits scheme for Government Departments & allied institutions and RERA Project Accounts.”

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 27 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 Products in Pipeline –  Gold Loan renewal module.  PM Vidyalakshmi product for education loans.  Pre-Approved Personal Loans for Salaried employees.  Products in Pipeline –  Soulabhya Deposit  Green Deposit  Flexi Deposit  QR Sound Box of multi  Krishik Bhandar - language  KBL Merchant App - payment app for merchants to be launched soon  Mobile Banking UI UX to be launched. Enhancements / modifications for loans against pledge of warehouse receipts to leverage the seasonal stock opportunity.  Krishi Bhoomi – Product enhancements planned