The Karnataka Bank Limited

8%

g transitions to achieve stability and sustainable growth… Deposits and Advances Gross Advances1 8% 77,283 cr. 83,340 cr. 4% (In Retail, Agri & MSME) 28,131 11,766 14,273 23,113 32,143 12,361

4%

bility and sustainable growth… Deposits and Advances Gross Advances1 8% 77,283 cr. 83,340 cr. 4% (In Retail, Agri & MSME) 28,131 11,766 14,273 23,113 32,143 12,361 14,223 24,613 Q3FY26 Q4F

rs 2

1,766 14,273 23,113 32,143 12,361 14,223 24,613 Q3FY26 Q4FY26 Retail MSME Agriculture Others 2 Total Deposits Q3FY26 1,04,112 cr. CASA Q3FY26 32,829 cr. Retail Term Deposit Q3FY26 66,252 cr.

11%

Deposits Q3FY26 1,04,112 cr. CASA Q3FY26 32,829 cr. Retail Term Deposit Q3FY26 66,252 cr. 4% 11% 2% Q4FY26 1,08,779 cr. Q4FY26 36,560 cr. Q4FY26 67,648 cr. Profitability Metrics Asset Qualit

2%

its Q3FY26 1,04,112 cr. CASA Q3FY26 32,829 cr. Retail Term Deposit Q3FY26 66,252 cr. 4% 11% 2% Q4FY26 1,08,779 cr. Q4FY26 36,560 cr. Q4FY26 67,648 cr. Profitability Metrics Asset Quality I

3.32%

26 Q4FY26 GII – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE

1.31%

Y26 GII – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE ROA 0

2.78%

I – Gross Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE ROA 0.47% 6

0.98%

ss Interest Income; GIE – Gross Interest Expense; NII – Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE ROA 0.47% 61.23%

9.06%

terest Expense; NII – Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE ROA 0.47% 61.23% 65.39% 0.20% Q3FY26 Q4FY26 Q3FY

0.92%

Expense; NII – Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE ROA 0.47% 61.23% 65.39% 0.20% Q3FY26 Q4FY26 Q3FY26 Q4F

12.69%

Net Interest Income 3.32% 1.31% 2.78% 0.98% Q3FY26 Q4FY26 GNPA NNPA 9.06% 0.92% Q3FY26 12.69% 1.27% Q4FY26 ROE ROA 0.47% 61.23% 65.39% 0.20% Q3FY26 Q4FY26 Q3FY26 Q4FY26 Slippage P

“▪ KBL Soulabhya Plus Deposit Project in Pipeline Scheme is launched, which allows customers to withdraw a portion of their deposit while allowing the remaining balance to continue earning interest at the originally contracted rate.”

“▪ Project in Pipeline ▪ Launch of Virtual account facility ▪ Launch of Capital Gain account Scheme.”

“EPFO Employees Provident Fund Organization platform for collection of EPFO contributions will be launched in Q1 FY26-27.”

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

“CGAS Capital Gains Accounts Scheme option for investors to claim tax exemption under Income Tax Act will be launched in in Q1 FY26-27.”

NNPA

1

Cost of Funds

1

Products launched

1

In Pipeline

1

NNPA

1% - 1.2% Enhance Asset Quality Actual: 0.98% CASA %: 30.0% - 32.0% Stable Source of Funding Actual: 33.61%

Cost of Funds

5.3% - 5.6% Optimize Funding Costs Actual: 5.55% 27 ROA %: 1.1% - 1.2% Effective Capital Allocation Actual: 1.05% NIM %: 3% - 3.3% Consistent Interest Margins Actual: 2.88% Consolidation of financial position to build stakeholder value and enhanced return on equity 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 launched

▪ Pre-approved Personal Loans for Salaried ▪ PM Vidyalakshmi & PM Skill Loan Scheme – Govt Education loan scheme In Pipeline: Surrogate based lending for Housing & Mortgage loans. ▪ KBL Soulabhya Plus Deposit Project in Pipeline Scheme is launched, which allows customers to withdraw a portion of their deposit while allowing the remaining balance to continue earning interest at the originally contracted rate. ▪ Project in Pipeline ▪ Launch of Virtual account facility ▪ Launch of Capital Gain account Scheme. • • • • Tie up with M/s. PINE LABS for POS Services. (Launched in April-26) Programmable CBDC Enables the funds to be used only for Predefined purposes within a specified time or through designated beneficiary. NFC Based QR Payments- Tap and Pay Facility provided to QR Payments. Revamp of retail IB with new UI/UX ▪ Agri Input Loans for Tobacco Crop : Short-term agri input loans are extended to registered tobacco growers to meet cultivation requirements, with digital onboarding and fa

In Pipeline

▪ GST OD ▪ LAP for MSME ▪ Dropline OD for MSME ▪ End to end digitization of key MSME products 28 Digital and Technology Digital Touchpoints 40,79,860 Mobile App Installations 1.73% QoQ 7,01,709 Net Banking Users 2.58% QoQ 55,75,340 Debit Cards (0.73%) QoQ 1,44,404 QR related metrics 2.97% QoQ 1,474 ATM Networks 0.27% QoQ 29 Digital and Technology Moving towards a Digital-First Bank Creating a disruptive ”Bank within a Bank” Our Objectives Infrastructure to Meet Our Objectives Increase in Customer Base Centralized Data Platform for streamlined Regulatory and Business Reporting Enhanced Customer Satisfaction Organisational Productivity Financial Growth Fintech Scale-up with new partnerships on UPI and ULI Embedded AI into CRM for assisting Sales teams Strategic implementation of digital projects to achieve our objectives Leveraging Cloud for AI and Analytics capabilities Low Code No Code platforms for accelerated Agile delivery Integration with Maruti Suzuki Smart Finance Platform for Ca