KARURVYSYA

Classification | REGULATORS IRC:F48:113:242:2026 20th July 2026 The Manager, The Manager, National Stock Exchange of India Ltd, BSE Limited, Exchange Plaza, 5th Floor, Phiroze Jeejeebhoy Towers, Plot No. C-1, ‘G’ Block, Dalal Street, Bandra- Kurla Complex, Mumbai – 400001. Bandra (East), Mumbai – 400051. Scrip Code: KARURVYSYA Scrip Code: 590003 Dear Sir/Madam, Sub: Intimation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 – Investor Presentation on Unaudited Financial Results of the Bank for the quarter ended 30th June 2026 ****** Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the Investor Presentation on Unaudited Financial Results of the Bank for the quarter ended 30th June 2026 and the same has been updated in our Bank’s website at https://www.kvb.bank.in/investor-corner/corporate-presentation/ Kindly take the same on record. Yours faithfully, Srinivasarao Maddirala Company Secretary & Compliance Officer Encl: As above Safe Harbor Statement This presentation has been prepared by Karur Vysya Bank Limited (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank and the information contained herein is only current as of its date and has not been verified by anyone else. All financial numbers are based on the Audited Financials or the Reviewed Financial results or based on Management estimates. Figures for the previous period(s) have been regrouped wherever necessary; totals in columns / rows may not agree due to rounding off. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person / entity based in India or in any other country. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. This presentation may contain statements that constitute forward-looking statements. All forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated. Factors that could cause actual results to differ materially include, inter-alia, changes or developments in the Bank’s business, political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. Except as otherwise stated, all of the information contained herein is indicative and is based on management information, current plans and estimates / projections. Any opinion, estimate or projection in the presentation constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. No representation or warranty, express or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Further, past performance is not necessarily indicative of future results. Anyone placing reliance on the information contained in this presentation or any other communication by the Bank does so at his / her / their own risk. Neither the Bank nor anyone else shall be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained in the presentation. The Bank may, at its sole discretion, alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify anyone of such change(s). This presentation is not to be distributed, redistributed, copied or disseminated in any manner whatsoever, either directly or indirectly. Forward-looking statements speak only as of the date they are made, and the Bank undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events that arise after the date the forward-looking statement was made. 2 02 03 04 05 06 01 01 Financial Highlights & Capital Balance sheet Asset Other Financial Digital Banking KPI’s Adequacy Growth Quality Information and ESG Consistent Growth with Sustained Profitability and Asset Quality 3 Financial Highlights │ Profitability improves; Asset quality remains strong (₹ Crore) Business Advances Deposits 2,27,267 1,04,680 1,22,587 16 % YoY 6 % QoQ 15 % YoY 6 % QoQ 6 % QoQ 17 % YoY CASA Operating Profit Net Profit 33,776 Q1 → 1,096 Q1 → 756 15 % YoY 9 % QoQ 36 % YoY (12) % QoQ 45 % YoY 4 % QoQ NIM ROA ROE Q1 → 20.24 % Q1 → 4.26* % Q1 → 2.11 % 40 bps YoY 1 bps QoQ 38 bps YoY 1 bps QoQ 348 bps YoY (31) bps QoQ GNPA NNPA PCR 0.74 % 0.19 % 96.21 % 8 bps YoY (1) bps QoQ - bps YoY - bps QoQ (55) bps YoY (24) bps QoQ * After excluding one-off item of Rs. 24.63 Cr interest recovery from technically written off accounts during Q1 FY 2026-27 Note: QoQ - Q1 FY27 vs Q4 FY26 & YoY - Q1FY27 vs Q1FY26 4 Performance metrics- Key Ratios Quarter ended Particulars Jun-26 Jun-25 Mar-26 (%) (%) (%) Cost of Deposits 5.45 5.77 5.41 Yield on Advances 10.01 ‡ 10.00 9.93 Cost of Funds 5.45 5.78 5.38 Yield on Funds 8.99 ‡ 8.87 8.92* Spread on Funds 3.54 ‡ 3.10 3.60 Net Interest Margin 4.26 ‡ 3.86 4.25* Cost to income 41.79 ‡ 47.24 37.27* Cost to Avg Assets 2.15 2.39 2.11 PPOP to Avg Assets 2.99 ‡ 2.67 3.55* Return on Equity 20.24 16.76 20.55 Return on Asset 2.11 1.73 2.10 EPS (in Rs.) -Not Annualized for the quarter 7.82 5.40 7.50 * After excluding one-off item of Rs. 139 Cr interest recovery from technically written off accounts during Q2 FY 2025-26 † After excluding one off item of Rs. 21.68 Cr Q4 FY 2025-26 ‡ After excluding one off item of Rs. 24.63 Cr Q1 FY 2026-27 5 Performance Metrics ROA % ROE % 17.79 1.93 2.10 2.11 2.05 20.48 20.55 20.24 1.72 17.94 1.81 16.28 16.76 1.73 1.63 15.98 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 NIM % Cost to Income % 4.200 4.25 4.26 4.090 47.24 46.25 3.99 48.26 42.49 41.79 3.86 47.25 37.27 3.970 3.77 42.96 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 6 Performance Metrics ROA % ROE % NIM % Cost to Income % Yield on Funds & Cost of Funds % Yield On Advances & Cost of Deposits 8.68 8.93 8.80 Yield on Funds Cost of Funds Yield on Advances Cost of Deposits 8.87 8.67 * 8.73 8.92 † 8.99 ‡ 9.95 10.15 9.86 5.23 5.61 5.56 10.00 9.76 * 9.77 9.93 10.01 ‡ 5.78 5.63 5.47 5.38 5.45 5.61 5.56 5.19 5.7 5.60 5.47 5.41 5.45 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Uptrend in EPS Consistent improvement in PAT 755 7.82 724 7.50 690 7.14 574 5.94 5.40 521 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 * After excluding one-off item of Rs. 139 Cr interest recovery from technically written off accounts during Q2 FY 2025-26 ** After excluding Interest on Income tax refund of Rs. 21.68 Cr in Q4 FY 2025-26 7 Profit & Loss Statement (₹ Crore) Quarter ended Particulars Growth % Growth % Jun-26 Jun-25 Mar-26 (YoY) (QoQ) Net Interest Income 1,423 1,080 32 1,359 5 Other Income 442 447 (1) 616 (28) - Fee income 270 251 8 280 (4) - Others 172 196 (12) 336 (49) Total Income 1,865 1,527 22 1,975 (6) Operating Expenses 769 721 7 728 6 - Employee expense 399 365 9 341 17 - Other operating expense 370 356 4 387 (4) Operating Profit 1,096 805 36 1,247 (12) Provisions 90 118 (24) 258 (65) Profit Before Tax 1006 687 46 989 2 Tax (net of DTA/DTL) 250 166 51 264 (5) Net Profit 756 521 45 725 4 8 Balance Sheet (₹ Crore) Total Assets Particulars Jun-26 Jun-25 YoY (%) Capital & Liabilities 1,44,364 Capital 193 161 20 1,35,567 1,36,604 1,30,099 1,25,371 Reserves and Surplus 14,739 12,285 20 Deposits 1,22,587 1,06,650 15 Borrowings 2,077 1,843 13 Other Liabilities and Provisions 4,768 4,432 8 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Total 1,44,364 1,25,371 15 Assets Equity Cash and Balances with RBI 6,103 6,712 (9) Balances with Banks 769 554 39 Investments (Net) 29,202 25,400 15 14,932 14,108 13,473 12,446 12,796 Advances (Net) 1,04,099 88,944 17 Fixed Assets 493 492 - Other Assets 3,698 3,270 13 Total 1,44,364 1,25,371 15 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 9 01 03 04 05 06 02 Capital Adequacy Financial Balance sheet Asset Other Financial Digital Banking Highlights & Growth Quality Information and ESG KPI’s Capital position remains comfortable to support growth 10 Capital Adequacy (₹ Crore) Particulars Jun-26 Jun-25 Mar-26 Risk Weighted Assets (INR crores) CRAR (%) 18.61 17.36 18.76 Total capital 15,011 12,054 14,199 80,661 75,697 66,261 61,125 Tier I capital 14,500 11,336 13,416 49,084 Tier II capital 511 718 783 RWA 80,661 69,441 75,697 Credit risk 70,160 59,846 66,166 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Operational risk 10,255 9,087 9,087 Market risk 244 508 444 RWA/Total asset (%) CRAR % 18.61% 58% 18.56% 18.76% 54% 56% 55% 56% 18.17% 0.63% 1.77% 16.67% 1.05% 1.04% 1.21% 16.79% 15.46% 17.12% 17.72% 17.98% Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Tier I Tier II Total CRAR % 11 01 02 04 05 06 03 Balance sheet Financial Capital Growth Asset Other Financial Digital Banking Highlights & Adequacy Quality Information and ESG KPI’s Strong Balance sheet Growth: Advances up by 17 % YoY & Deposits 15 % YoY 12 Advances and Deposits (₹ Crore) STRONG BALANCE SHEET GROWTH: ADVANCES 17 % YOY, DEPOSITS 15 % YOY Advances Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % 1,04,680 98,754 97,052 98,754 84,491 89,374 92,724 74,423 Deposits 1,22,587 1,06,650 15 1,15,666 6 Gross Advances 1,04,680 89,374 17 98,754 6 Total Business 2,27,267 1,96,024 16 2,14,420 6 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Deposit Portfolio Deposits Granular Deposit growth: Total Deposits 15 % YoY, 6 % QoQ 1,22,587 1,14,595 1,15,666 Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % 1,15,666 1,10,492 1,06,650 1,02,037 88,440 Demand Deposit 10,891 9,392 16 9,138 19 Saving Deposit 22,885 19,914 15 21,984 4 CASA 33,776 29,306 15 31,122 9 CASA (%) 27.55 27.48 7 bps 26.91 64 bps Term Deposit 88,811 77,344 15 84,544 5 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Total Deposit 1,22,587 1,06,650 15 1,15,666 6 13 Liability Franchise │ Predominantly Retail Deposit Breakup Term Deposit-Amount wise* 80 % of Total Term Deposits* are < Rs.5 Cr Savings Deposits ≥ Rs.5 Cr 18.67% 20% ≥ Rs.1 Cr Demand to < Rs.5 Deposits 8.88% ≥ Rs.15 Lakhs to < < Rs.15 Rs.1 Cr Term Deposits Lakhs 72.45% 48% Deposit Per Branch Deposit split by type 905 160 136 115 120 123 128 128 140 15 %YoY 900 120 9 % QoQ 895 100 27.55 80 903 890 898 901 60 895 40 72.45 885 888 888 20 880 0 15 %YoY Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 % QoQ Branches Deposits Per Branches CASA % Term Deposit * Term Deposit here do not include Term Deposits by Banks, FCNR deposits and Certificate of Deposits (CD’s) 14 Consistent and Credible Progress │ RAM- led Growth Continues (₹ Crore) RAM Advances Advance Mix Jun-26 Jun-25 YoY % Mar-26 QoQ % Commercial 36,459 32,311 13 34,279 6 90,324 Retail (Personal Banking) 27,770 22,543 23 26,197 6 85,260 83,388 79,846 Agriculture 26,095 21,708 20 24,784 5 76,562 RAM Verticals 90,324 76,562 18 85,260 6 Corporate 14,356 12,812 12 13,494 6 Gross Advances 1,04,680 89,374 17 98,754 6 Corporate Credit 1,289 497 ~ 1,118 15 Substitutes Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Total 1,05,969 89,871 18 99,872 6 Gross Advance Mix 36% 34% 35% 35% 33% 23% 23% 24% 23% 25% 25% 26% 25% 26% 25% 21% 19% 14% 14% 14% Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Commercial Retail ( Personal Banking) Agriculture Corporate 15 Retail Portfolio │ Retail Growth Anchored by Secured Products (₹ Crore) Retail Advances grew by 23 % YoY to ₹ 27,770 cr Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % Housing loan 8,120 8,232 (1) 8,163 (1) Retail-Jewel loans 6,252 4,240 47 5,560 12 Mortgage (LAP) loans 10,041 6,583 53 9,222 9 Vehicle loans 775 982 (21) 816 (5) Consumer Credit - BNPL 812 822 (1) 798 2 Personal loans 250 222 13 253 (1) Education loans 128 142 (10) 131 (2) Deposit Loans 811 773 5 683 19 Other Retail loans 581 547 6 571 2 Total Retail Portfolio 27,770 22,543 23 26,197 6 BNPL-Buy Now Pay Later 16 Commercial Banking (₹ Crore) Commercial Advances 1 2 3 4 36,459 34,347 34,279 33,209 32,311 MSME Bank of the Average Ticket size of Year-Private Winner Commercial Commercial book at and Best SME Advances grown by account level 66 % of Commercial lending-Runner Up at 6% QoQ increased from Rs. loans are less than Rs. 12th Global SME 69.2 lakhs in March 5 Cr Excellence Awards 2026 to Rs. 71.6 lakhs 2025-26 by Assocham in Jun 2026 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Ticket size of Commercial book 51 2 6 37 4 8 ≥ 10 crore 20% CRM module has RM channel has been 90% of Small 59% of Business been introduced for introduced for small Business Group ≥ 5 crore < Banking customers sharing the leads, ticket loans in the customers are under 10 crore < 5 crore sole banking are under sole MSME hotspots monitoring and 14% banking timely conversion 66% into business 17 Jewel loan Portfolio │ Jewel Loans Continue to Scale with Controlled Risk Metrics Jewel loan Composition Jewel Loan movement in Tandem Strong Growth: AGRI JEWEL LOAN NON-AGRI JEWEL LOAN 35,000 31% 31,368 29,492 Jewel Loan portfolio grown by 27% YoY and 6% QoQ 30,000 27,728 30% 26,134 24,798 6,788 7,474 25,000 21,934 23,301 30% 30% 29% 6,093 5,040 5,544 Controlled Mix: 20,000 29% 28% 28% 15,000 28% 28% 27% Portfolio maintained at ≤ 30 % of the total Advances for the last 10,000 26% 26% 5 years . Portfolio maintained at 27% in terms of exposure. 19,758 20,590 21,635 22,704 23,894 5,000 25% - 24% Stable Risk: Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jewel loan % of advance SMA 30+ Stable at 0.06% JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 SMA 30+ Segment Portfolio LTV ( %) Jun-26 Jun-25 Mar-26 Agri Gold loan 23,894 8.81 20.13 7.23 63.70% Non-Agri Gold Loan 7,474 11.02 14.75 10.21 56.83% Total 31,368 19.84 34.88 17.44 62.06 18 Corporate Banking (₹ Crore) Corporate Book Internal Rating Distribution Of Corporate Book Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % A & above BBB BB <BB 3% 3% 3% 3% 2% Corporate 14,356 12,812 12 13,494 6 28% 28% 28% 28% 27% Advances Corporate Credit 39% 40% 41% 43% 44% 1,289 497 159 1,118 15 Substitutes 30% 29% 28% 26% 27% JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 Total 15,645 13,309 18 14,612 7 Breakup Of Corporate Book Standard Corporate Advances O/S ≥ 150 Crore Consortium 3.25 2,500 3.50 16% 2.94 2.95 14% 3.00 Govt/PSU 2,000 2.28 6% 2.50 41% 1,500 2.00 1.41 1.31 1.50 1,000 45% MBA 1.00 Sole Banking 52% 500 26% 0.50 1,849 1,889 2,193 1,923 1,290 1,478 - - Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 < 50 cr >= 50 cr < 150 cr >= 150 cr Amount ≥ 150 Cr % on advance 19 Investment Portfolio │Steady growth, Stable yields, Conservative risk positioning (₹ Crore) Gross Investment Yield on Investment-Q1 Modified Duration ₹ 29,575 Cr 6.83 % 3.82 Years Gross Investments (Rs. crore) Portfolio Mix Duration Gross Investments (Rs. crore) Portfolio Mix HFT FVTPL 4.81% 30,156 1.31% 29,394 29,575 28,198 Modified Duration (Years) 25,774 AFS 26.19% HTM 67.69% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 AFS HFT HTM FVTPL Total Investment composition Yield on Investments-Quarterly 14.47% 3.83 0.03 4.07 3.69 3.82 6.863… 6.68…3 0.83% 6.66…6 6.60% 6.64% 84.70% Gross Investment grown by xx % QoQ from March 2026 Yield remains stable at ~6.6 % ---~6.8% SLR Shares Debentures/CD/MF/CP/SR Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 20 01 02 05 06 03 04 Asset Financial Capital Balance sheet Quality Other Financial Digital Banking Highlights & Adequacy Growth Information and ESG KPI’s NPA remains low and Consistent 21 Asset Quality Remains high with GNPA 0.74% and NNPA 0.19 % Bank Maintaining high Asset Quality with GNPA 0.76 % and NNPA 0.19 % GNPA NNPA Quarterly Slippage Ratio Quarterly Credit Cost ₹ 772 Cr ₹ 196 Cr 0.53 % 0.33 % 0.74 % 0.19 % NPA Trend % GNPA Movement –Q1 FY27 Slippage and Credit Cost % Slippage Ratio (%) 138 0.75% 0.75% 0.76% 0.75% 0.74% 0.67% 0.71% -60 772 0.57% 0.53% 0.66% 744 -50 Credit costs % 1.45% 0.19% 0.19% 0.19% 0.19% 0.19% 0.71% 0.77% 0.65% 0.33% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Gross NPA% Net NPA% Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Mar-26 Fresh Slippages Upgrades Write offs Jun-26 22 Strong provisioning and controlled stress Bank Maintaining high Asset Quality with GNPA 0.76 % and NNPA 0.19 % PCR Market PCR SMA 30+ Stress Book Ratio 0.22 % 0.42 % 96.21 % 74.31 % Of Total Advances Of Total Assets PCR and Market PCR % Stress Book Trend Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Provision Coverage Ratio % Market PCR (excl technical write off) Total Stressed 706 674 646 619 613 Asset 96.81 96.45 96.21 94.85 92.14 % of Total 0.42 0.54 0.52 0.48 0.45 Assets 30 73.89 74.63 74.31 30 30 30 30 170 176 70.12 183 186 196 65.62 506 468 433 403 387 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 Std Restructured Assets Net NPA Net SR 23 Provisions breakup (₹ Crore) Quarter ended Particulars Jun-26 Jun-25 Mar-26 NPA 68 114 116 Standard Assets 22 21 7 Restructured and other Advances (4) (15) (10) Other prudential provisions - - 163 NPI and others 4 (2) (18) Total Provisions (excl. Tax) 90 118 258 Tax Provision 250 166 264 Total Provisions 340 284 522 24 Movement of NPA -Quarterly (₹ Crore) Particulars Jun-26 Jun-25 Mar-26 Gross NPAs Opening Balance 744 642 687 Additions during the period ( + ) 138 ( + ) 188 ( + ) 187 Reductions during the period ( - ) 110 ( - ) 237 ( - ) 130 -Of which 60 70 67 Recoveries/Upgradation Write offs/Tech Write offs 50 167 63 Closing Balance 772 593 744 Provisions Opening Balance 555 474 501 Provision made during the period ( + ) 89 ( + ) 143 ( + ) 147 Write off/Write back of excess provision ( - ) 71 ( - ) 196 ( - ) 93 -Of which 21 29 31 Recoveries/Upgradation Write off/Write back of excess provision 50 167 62 Closing Balance 574 421 555 Net NPAs 196 170 186 Asset quality parameters Jun-26 Jun-25 Mar-26 Gross NPA (%) 0.74 0.66 0.75 Net NPA (%) 0.19 0.19 0.19 25 Vertical wise NPA (₹ Crore) NPA Reduction Q1 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Jun-26 Mar-26 Q1 Jun-26 Jun-26 Jun-26 Recoveries / Tech W/off upgradation Commercial 36,459 275 90 35 7 323 179 144 Retail (Personal Banking) 27,770 121 38 22 19 118 80 38 Agriculture 26,095 104 10 3 1 109 96 14 Corporate 14,356 243 - - 23 219 219 - TOTAL 1,04,680 744 138 60 50 772 574 196 Collection efficiency Special mentioned Accounts-Entire Portfolio Jun-26 Jun-25 Particulars Particulars Jun-26 May-26 Apr-26 Amt % of Adv Amt % of Adv Term Loan (%) 97.0% 97.9% 97.0% SMA 1 140 0.13 233 0.26 SMA 2 93 0.09 304 0.34 Working Capital (%) 99.8% 99.7% 99.7% SMA 30+ 233 0.22 537 0.60 26 01 02 06 03 04 05 Other Financial Digital Financial Capital Balance sheet Asset Banking and Highlights & Adequacy Growth Quality Information KPI’s ESG Additional Financial and Business Insights 27 Advances-Sectoral Composition Gross Advance of Rs. 1,04,680 Cr Breakup of Manufacturing Sector of Rs. 21,497 Cr (21%) Gems and Basic Metal and Metal Paper and Wood Jewellery, 1% Products, 1% products, 1% Agri-jewel 23% All Engineering, 1% Bills 1% Others 14% Mining and Quarrying, Agri (excluding Jewel) 1% 2% Food Processing, NBFC 2% Others, 2% 3% Manufacturing Other, 4% Chemical and Chemical Infrastructure, 3% 21% products, 1% Non Agri jewel 7% Construction, 1% Personal Loan Textiles, 5% Commercial Real estate Trade 11% 7% 11% Business per Employee Business per Branch 21.7 18.91 17.28 18.14 18 237.98 210.10 195.15 176.23 158.89 2021-22 2022-23 2023-24 2024-25 2025-26 2021-22 2022-23 2023-24 2024-25 2025-26 28 Restructured Accounts (₹ Crore) Jun-26 Jun-25 Mar-26 Restructured Accounts -Scheme wise Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 220 6 279 15 229 7 COVID 19 - Resolution Framework 121 1 164 2 127 1 MSME 46 1 63 1 47 1 Others* - 4 - 12 - 12 Total 387 11 506 30 403 20 * Others include restructured accounts due to stress, natural calamities and extension of DCCO. Jun-26 Jun-25 Mar-26 Restructured Accounts-Vertical wise Standard NPA Standard NPA Standard NPA Commercial 90 3 123 5 93 3 Retail (Personal Banking) 193 4 252 13 203 5 Agriculture 1 - 3 - 2 - Corporate 103 4 128 12 105 12 387 11 506 30 403 20 Total 29 Movement of Standard Restructured Advances for the Year (₹ Crore) O/s Balance of Standard Restructured Advances Jun-26 Jun-25 Quarterly Movement No. of No. of Amt. Amt. Borrowers Borrowers 976 Position at the beginning of the period 1,167 403 1,556 537 A. Additions during the period - - - - 715 B. Additions in existing A/c’s - 10 - 17 537 C. Additions through upgradation from NPA 8 1 7 1 403 387 Total Additions ( A+B+C) 8 11 7 18 D. Recovery & Closure of Accounts 51 8 75 19 E. Accounts upgraded - - - - Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 F. Recoveries during the period - 17 - 25 Restructured Advances as % of Total Advances G. Slippages during the period 13 2 22 5 Total Deletions ( D+E+F+G) 64 27 97 49 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Position at the end of the period 1,111 387 1,466 506 1.52 0.96 0.64 0.41 0.37 30 Sector-wise Standard Restructured Advances (₹ Crore) Amount S. N. Sectors Jun-26 Jun-25 1 143 173 Housing 2 65 88 Real Estate 3 12 26 Wholesale and Retail Trade 4 34 37 Textile 5 14 20 Personal 6 7 10 Infrastructure 7 19 25 Hotels and Restaurants 8 3 5 All Engineering 9 10 11 Food & Food Processing 10 7 14 Auto/Vehicle 11 4 5 Transportation 12 1 4 Wood & Wood Products 13 1 3 Education Loan 14 3 4 Gems and Jewelry 15 1 1 Construction 17 Others 63 80 Total 387 506 % to Total Advances 0.37 0.57 31 01 02 03 04 05 06 Digital Financial Capital Balance sheet Asset Other Financial Banking and Highlights & Adequacy Growth Quality Information KPI’s ESG Digital Adoption Driving Scale, Efficiency and Customer Engagement 32 DLite Banking KVB DLite Mobile Banking app 4.8 4.6 App Rating 7 1.3 M+ M+ Total Monthly Active Downloads Users 2.3 M Monthly avg. Transactions Enhanced Features ❖ Enhanced UI ❖ Easy Navigation ❖ Seamless Login ❖ Pay to Contacts ❖ Search Button ❖ Single pay button ❖ Dynamic Offers ❖ Instant Video KYC ❖ Set favorites 33 KVB Corp Mobile App KVB Corp Mobile Banking app Enhanced Features Account Activities Tax Payments Account and Cheque related services Tax payment enquiry, Income tax and GST payments Loan Services Profile Management Corporate, Retail and Deposit loans Security & Login, Session summary, My Limits Payments E-Services IMPS/NEFT/RTGS/MMID etc, E statements, View Form 26 AS, Mutual Managing standing instructions funds, Track request and more Alerts and Much more Deposits Alerts, Credit card, Gift card balance Term Deposits and Recurring deposits enquiry and more Available in Launch of “KVB Corp”, a dedicated mobile banking application developed exclusively for the Corporate customers 34 Digital Banking Count of UPI Transactions (Quarterly) (in lakhs) Omni channel Marketing ToDoiglital Initiatives Instant VKYC in DLite A unified platform enabling Real time Video-based KYC seamless customer engagement verification integrated in DLite across multiple Digital channels app for quick onboarding 4575 4157 4043 3970 3733 Soft Token app for Internet Digitalization of NACH and CTS Banking cheque image A secure mobile application Online processing of NACH generating authentication codes mandates, inquiries and CTS for safe Internet Banking access cheque image retrieval for improved efficiency SMS Optimization using Gen AI Tool for Banner update in DLite AI-powered solution to An internal utility to manage enhance SMS content JunO-2f5 the tSreapn-2s5actioDnecs- 2s5erveMd aDr-i2g6itallyJun-26 and update promotional effectiveness through banners within DLite mobile app personalized messaging helps in cost reduction 35 Digital Migration Growth in Digital Transactions YoY Branch vs digital transactions (in lakhs) 6000.00 5046.85 99% 4721.21 5000.00 4431.95 4498.07 97% 97% 98% 4000.00 97% 96% 95% 93% 3000.00 91% 2000.00 89% 1000.00 156.54 174.88 131.93 129.34 87% 0.00 85% 2025-2026 Q2 2025-2026 Q3 2025-2026 Q4 2026-2027 Q1 98% Digital Transaction Branch Transaction Digital Share Mobile Banking Volume & TXN count Transactions 380000 72 Served Digitally 71 368121 71 370000 360000 68 69 357112 6 7 9 0 68 350000 67 340000 333833 65 331551 66 330000 65 64 320000 63 310000 62 2025-2026 Q2 2025-2026 Q3 2025-2026 Q4 2026-2027 Q1 Value (in millions) Count volume PAN India presence with strong regional network Category Jun-26 Mar-26 Mar-25 Branches 903 901 888 ATM’s + Cash Recycler’s 2,169 2,213 2,252 5 1 Branch Other 6 1 Category BBU CBU ARB Count offices 12 7 Metro 229 9 10 8 1 Urban 182 3 1 1 Semi Urban 355 1 1 Rural 137 4 Total 903 9 14 8 1 14 BC Outlets 338 15 1 BBU – Business Banking Unit CBU – Corporate Business Unit 5 ARB – Asset Recovery Branches Other offices -Digital Banking Unit, Open Market . 27 Channel, Precious Metal Division and Smart . 65 Branch Split 1 151 356 55 264 7 185 21 137 502 Metro Urban Semi Urban Rural Strong presence in India’s fast growing hinterland 37 Digital Partnerships │Strategic Partnerships driving Digital banking experience ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 38 Awards and Accolades 6th edition of BFSI Excellence awards 2026- Collection & Recovery Edition-Quantic India ❑ Collections Transformation Leader of the Year (Banking) 5th IBA CISO Summit & Citations 2026 ❑ Cyber Security team of the year-Winner ❑ Cyber Resilience team of the year-Winner ❑ Identity & Access Management of the year-Runner Up Best Small Indian Bank by Business Today 3rd consecutive year 39 ESG Highlights │ Embedding ESG into Core Banking Strategy Integration of ESG in Risk Management IGBC Green Existing Building Certification Risk Management Framework: IGBC Platinum Certified: ESG considerations are integrated into the Bank's overall risk KVB Central Office awarded the prestigious Platinum Certification management framework, governance architecture, and strategic by the IGBC planning processes. IGBC Founding Member: Risk Appetite: KVB officially becomes a Founding Member of the Indian Green Set qualitative risk appetite statement for climate risk in the ICAAP Building Council (IGBC) document. Core Focus: Policy: sustainable building practices, energy efficiency and environment ESG aspects have been incorporated into the Bank's Credit Policy. The Bank has also established an ESG due diligence framework, ensuring that ESG factors are thoroughly evaluated during the Benchmarked Excellence: credit sanctioning process. The Bank continues to assess ESG- related aspects while investing in IPOs and Bonds, and it is reviewed periodically to align with regulatory guidelines. Upgraded ESG Momentum: CRISIL rating improved to 68 ("Strong") Stress Testing: The Bank has included scenarios related to climate demonstrating continuous enhancement in risk in stress testing and consideration of ESG risks while non-financial performance evaluating capital adequacy. 40 ESG Highlights │ Embedding ESG into Core Banking Strategy Environment Social • 39,303 kwh of Solar energy generated from rooftop • During the reporting period, the bank has conducted 95 installations at various Divisional Offices and Branches Financial Literacy Campaigns benefiting 1140 individuals during Q1 FY 2026-27. • Initiatives focus on inclusive growth, Community • 4,11,817 kwh of wind energy generated from Bank- development and Sustainable livelihoods owned windmill at Theni during Q1 FY 2026-27. • Driving sustainable communities through clean energy, • Contributed towards reducing carbon footprint and water security and inclusive civic support improving urban environmental quality • People-Centric Culture: Employees training on Diversity & Inclusion, Ethics, Employee Well being & Leadership skills Q1 of FY 2026–27 Particulars No. of Programs No. of employees trained Diversity & Inclusion 29 987 E-Learning on Cyber Security 1 8,362 E-Learning on Harmony and Ethics Code of Ethics , Gender Diversity & POSH 8,652 Employee Well-Being 3 179 Leadership 9 194 Regular program on products, processes, control & ethics 136 5,016 41 ESG Highlights │ Embedding ESG into Core Banking Strategy Inauguration of Sponge Park in Chennai bank’s another meaningful step in our commitment to building stronger, more sustainable communities. Sponge Park facilitates naturally managing stormwater, reducing flooding and recharging ground water the project creates lasting environmental and social impact for the community. Bank supports Sankara Eye Hospital’s efforts in making quality eye care more accessible to communities. With a shared vision of enabling better care and brighter future, this initiative reflects our commitment towards brighter and healthier future for all. Through the Sports for Excellence (S4E) with Life Skills Program, young people in Tiruvannamalai, Jawadhu Hills and Polur are developing leadership, confidence and resilience through sports and life-skill education. The project covers 15 schools and a total of 2,027 students, using sports as a medium for holistic development, promoting sports excellence, enhancing 21st-century life skills, and ensuring children’s right to play. Our Bank supported the Bangalore City Police by providing them with patrolling vehicles to the office of the DCP, South Division, Bengaluru, strengthening their efforts towards enhancing safety, especially for women across the region. The additional vehicles will support police personnel in conducting more effective surveillance, improving mobility, and ensuring quicker response times in areas requiring increased security and vigilance. 42 Governance │ Disciplined Governance driven by Independent Board and Committees 9 11 Directors Board Level Committees 1 Nomination and Remuneration Committee 7 Non-Executive 2 3 2 Audit Committee of the Board Executive Women Independent Directors Directors Directors 3 Risk Management & Asset Liability Management Committee 4 NPA Management Committee As on June 30, 2026, Bank’s Board has optimum combination of 9 Directors with diverse skills and experience in tune with Board Customer Service and Stakeholders Relationship 5 Diversity policy of the Bank. Committee The Board consists of 7 independent directors including 3 women 6 Special Committee for Fraud monitoring directors, with one serving as the part-time Chairperson of the Bank Review Committee for wilful defaulter and Large 7 72% of Board Committees are chaired by Independent Directors Defaulters 8 CSR and ESG Committee Independent Directors constitute 78% of the Board’s total strength IT Strategy and Digital Transaction Monitoring For FY 2025–26, the Bank voluntarily published its 5th Integrated 9 Committee Annual Report, along with its 3rd GRI Content Index 10 Management Committee of the Board The Bank has designated the Senior Independent Director as the Lead Independent Director 11 Human Resources Committee 43 Shareholding pattern External Ratings External ratings Share Holding as on 31 March 2026 Rating Agency Instrument Ratings Promoter group A1+ 2.07% Certificate of Deposit ( Reaffirmed) Others 5.22% AA (Stable) Issuer Rating ( Reaffirmed) Mutual Funds 31% Resident Individuals 35.51% A1+ Certificate of Deposits (Reaffirmed) Insurance Foreign Portfolio Companies A1+ Investors 6.95% Short Term Fixed Deposits 19.25% Fixed Deposits AA (Stable) Diversified Shareholding High Confidence from Leading Rating Strengthens Stability Agencies 44 Decade of Sustained Growth (Rs. crore) Year 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26 Paid up Capital 122 145 160 160 160 160 160 161 161 193 Reserves 4,723 6,066 6,205 6,440 6,760 7,308 8,264 9,687 11,559 13,915 Owned funds 4,845 6,211 6,365 6,600 6,920 7,596 8,584 9,848 11,720 14,108 Basel III (%) 12.54 14.43 16.00 17.17 18.98 19.46 18.56 16.67 18.17 18.76 Deposits 53,700 56,890 59,868 59,075 63,278 68,486 76,638 89,113 1,02,078 1,15,666 Advances 41,435 45,973 50,616 48,516 52,820 56,876 64,168 74,423 84,491 98,754 Total Business 95,135 1,02,863 1,10,484 1,07,591 1,16,098 1,25,362 1,40,806 1,63,536 1,86,569 2,14,420 Total Income 6,405 6,600 6,779 7,145 6,389 6,357** 7,675 9,863 11,508 13,159 Operating Profit 1,571 1,777 1,711 1,761 1,291 1,630** 2,476 2,829 3,212 4,075 Net Profit 606 346 211 235 359 673 1,106 1,605 1,942 2,510 Return on Assets (%) 1.00 0.53 0.31 0.32 0.49 0.86 1.27 1.63 1.72 1.93 Cost of Deposit (%) 6.60 5.99 5.80 5.76 4.96 4.30 4.27 5.19 5.61 5.56 Yield on Advance (%) 11.34 10.30 9.75 9.63 8.93 8.47 8.93 9.95 10.15 10.02 EPS (In Rs.) 9.951 4.78 2.64 2.94 4.50 8.42 13.81 19.99 20.10 25.98 Book Value(In Rs.) 79.51* 85.49 79.63 82.57 86.57 94.95 105.03 122.42 145.57 145.95@ 80 100 120 130 130# Dividend (%) 130 30 30 - 25 No of Employees 7,400 7,956 7,663 7,935 7,746 7,306 7,764 9,085 9,866 9,883 Business per employee 12.86 12.93 14.42 13.56 14.99 17.28 18.14 18.00 18.91 21.70 Branches (No.) 711 790 778 779 780 789 799 838 888 901 * Stock split during the Financial Year 2016-17, Converting one Rs. 10/- Face Value Equity Share into five Rs. 2/- Face value Equity Shares **After reclassification of depreciation on investments as an item of other income. # Proposed dividend subject to approval at AGM @ Includes proposed dividend subject to approval of AGM 45