KTKBANK

Karnataka Bank Ltd. Your Family Bank, Across India Regd. & Head Office Phone : 0824-2228222 P. B. No.599, Mahaveera Circle E-Mail : investor.grievance@ktkbank.com Kankanady Website : www.karnatakabank.com Mangaluru – 575 002 CIN : L85110KA1924PLC001128 SECRETARIAL DEPARTMENT 23.01.2024 HO: SEC:302:2023-24 To: 1. The Manager The General Manager Listing Department BSE Limited National Stock Exchange of India Limited Corporate Relationship Dept Exchange Plaza, C-1, Block G Phiroze Jeejeebhoy Towers Bandra-Kurla Complex Dalal Street Bandra (E), Mumbai-400051 Mumbai-400001 Scrip Code: KTKBANK Scrip Code: 532652 Madam/Dear Sir, Sub: Intimation under SEBI (LODR) Regulations, 2015- Submission of copy of presentation for Analysts/Institutional Investors on Financial Results-Q3FY24 We refer to our earlier letter no. HO:SEC:292:2023-24 dated 16.01.2024 intimating about the scheduling of Q3FY24 Earning’s Audio Conference call for Analysts/Institutional Investors to be held on 23.01.2024 at 05:00PM IST and also the modalities in connection therewith. In compliance with the provisions of Regulation 30 read with Para A of Part A of Schedule III and other applicable provisions of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we enclose herewith the copy of presentation for Analysts/Institutional Investors on financial results of the Bank for the quarter ended December 31, 2023. The analyst presentation has been hosted on the website of the Bank and is available under the link: https://karnatakabank.com/investor-portal/investor-presentations This is for your information and dissemination. Yours faithfully, Sham K Company Secretary & Compliance Officer INVESTOR PRESENTATION Q3 FY24 Banking with Legacy, Celebrating 100 years of trust Embracing the Future 01 Independent Board and Experienced Management Team 02 Accelerating our Transformation Journey 03 Strategic Roadmap Table of Contents 04 Our Strengths 05 Financial Highlights Experienced Management Team… Srikrishnan H Sekhar Rao Balachandra Y V MD & CEO Executive Director Chief Operating Officer Former MD & CEO, Jio Payments Former COO, CSB Bank; National 28-years operations veteran at Bank; ED, Yes Bank; Founding Head, RBL; Co-Founder, Savvy Karnataka Bank Team, HDFC Bank India Gokuldas Pai Abhishek Sankar Bagchi Pankaj Gupta Chief Business Officer Chief Financial Officer Chief Digital & Marketing Officer 34-years veteran at Karnataka Former CFO, NSDL Payments Formerly at Sify Technologies, Bank across various business Bank; Dy-VP, Finance & Accounts, HCL Services, Wipro Infotech functions Axis Bank Gurumurthy R K Ramaswamy Subramanian Venkat Krishnan Head – Treasury Chief Product Officer Chief Information Officer Formerly at DBS Bank, Laxmi Vilas Former CPO, Dvara KGFS; Head – Former CTO, IndusInd Bank; Bank, Bank One, ING Vysya Bank Products, Suryoday SFB CIO, Ujjivan SFB; CTO, Yes Bank New Onboarding New Onboarding Inducting laterals from various fields with proven pedigree aligned to the transformational journey of the Bank 3 …Guided by an Independent Board With no shareholder holding >5% share capital in the Bank P Pradeep Kumar Keshav Krishnarao Desai Balakrishna Alse S Part Time Chairman, Independent Director Independent Director Independent Director Managing Partner, Desai Group Former ED, Oriental Bank of Former MD, State Bank of India Commerce Srikrishnan H. Justice A V Chandrashekar Kalmanje Gururaj Acharya MD & CEO Independent Director Independent Director Former Judge, High Court of Senior Partner, M/s. K G Acharya & Karnataka Co.; Former Independent Director, State Bank of Mysore Sekhar Rao Uma Shankar Jeevandas Narayan Executive Director Independent Director Independent Director Former ED, Reserve Bank of India Former MD, State Bank of Travancore; Deputy MD, State Bank of India B R Ashok Dr D S Ravindran Non-Executive Director Independent Director Partner, M S K C & Associates Former Principal Secretary, Govt. of Karnataka 4 Banking with a Legacy, Embracing the Future  Foster cultural shift to business and sales orientation  Benchmark product development with market  Digitization & automation at all levels  Enhance operational and cost efficiencies Focus on  Simplify and digitize processes Core Bank  Centralize operations to release bandwidth for front-end activities  Prudently build Advances and CASA portfolios  Digital and data-driven client acquisition  Partnership with Fintechs 5 Accelerating our Transformational Journey Q3FY24 Banking with Legacy, Celebrating 100 years of trust Embracing the Future Key Milestones During the Quarter Capital for Growth  Board of Directors at its Meeting held on 22-Sept-23 had approved Total Capital Raise to raise equity capital for up to an amount of INR 1,500 crore  Preferential issue of Equity shares successfully completed Tranche 1 – INR 800 Cr.  Backed by marquee institutional investors  Board to meet on 27-Jan-24 to consider further capital raise of the amount remaining unutilized out of the overall limit of INR 1,500 cr. Further Capital Raise  Intimation for the Board Meeting has been made to Stock Exchange  Further details would be intimated post board meeting on 27-Jan-24 Redeemed INR 400 cr. of Tier-2 Bonds through exercise of call option in Nov-23 Redemption of INR 320 cr. of Tier-2 Bonds through exercise of call option planned in Feb-24, subject to regulatory approvals 7 Key Milestones During the Quarter Partnerships Satin DigiVriddhi Bajaj Allianz Life Clix Capital HDFC Life CreditCare  Digital co-lending  Tailored financial  Financial support to  Offer comprehensive  Offer varied life partnership through services to dairy women in rural & financial solutions insurance products Yubi platform farmers & societies semi-urban India  Access to industry-  Diverse financial  Providing loans to  Services available  Enhance micro co- leading life protection solutions leveraging underserved MSME at Village Dairy Co- lending in rural & products Bajaj’s product suite sector operative societies semi-urban areas Crossed 3 lakhs Co-branded Credit Cards with incumbent partner; Crossed INR 100 cr. of Co-lending 8 Key Milestones During the Quarter Products Launched collections of KBL Commercial Vehicle KBL Direct – Bill Pay Live with CRM Direct Taxes Financing  Platform facilitates collection of  Provide loans to finance both new  Launched Bharat Bill payment  Integration of customer data and Direct Taxes, offering multiple and used commercial vehicles system to facilitate online bill interactions across Marketing and payment methods including hybrid vehicles payment, subscriptions, and charity Sales department contributions platform  Enhanced customer engagement and improved business efficiency 9 Key Milestones During the Quarter Process CASA Balance Build up Home Loan Propensity Increase CASA deposits to drive Target potential home loan customers cost-effective funding with tailored promotions and personalized offers Collection Prioritisation Primary Bank Index Optimise collection efforts through Analyse overall wallet share of customer advances analytics with the Bank through Customer360 Behaviour Scorecard Micro Market Analysis Proactively monitor and control External information on throughputs/market delinquency levels at a pin code level to plan operations Analytics driving process and prioritization 10 Key Milestones During the Quarter Technology Cloud Data Platform for ACoE Integrated Risk and Finance framework to support Bank’s regulatory/ management reporting under implementation in OFSAA Scalable and configurable No-Code, Low-Code platform for business account New business website along with API Partner Portal under development Products and Business Solutioning have been integrated into the Technology and Digital Hub CBDC Project under implementation 11 Strategic Roadmap “Start-up @ 100” Banking with Legacy, Celebrating 100 years of trust Embracing the Future Strategic Roadmap Creating a Digitalisation and A C Performance-Driven Partnership to Culture Accelerate Book Growth Delivering Excellence in Strengthening Financial Core Businesses with Position to Create Underlying Technology Long-Term Value Digital First private sector Rebuild Outward-Facing, Platform bank driven by Fintech Business-Centric teams Partnerships Through tech-driven Targeted Metrics with Processes, Products & specific focus on long- People targeting Rural, term strategy MSME and Retail sector B D 13 A. Driving Excellence in Proven Core Competencies Consistent Emphasis on our Strength Areas Our Legacy Building on Our Legacy  Tradition with Innovation 13 Mn 1 in 401  Outbound Sales Culture Indians bank with Happy customers  Startup-like Agility 100 Year Legacy us 35.4%2 46.3%  Capitalise on community network  MSME and Rural to be key growth Share of MSME & Branches in Rural & MSME & Rural Focus Agri-Loans Semi-Urban Areas drivers 45.5% 47.5%2  Enhanced RoA and RoE  Focus on Retail - Home, Gold Loans Retail Focus Increase in % of Retail Advances from FY20 to Q3FY24 4.2%3 22 States  Wider Geographical Presence  Digital and Data-driven client acquisition Market share in Pan-India Karnataka presence  Cross Selling Karnataka Stronghold 14 Notes: 1. 13 Mn customers out of a 458 Mn bankable population; 2. As on Dec 31, 2023; 3. By share of deposits as onMar31,2023 A. Driving Excellence in Proven Core Competencies Continued Transition Towards Retail Outbound Sales Team and “Feet on Street” for Inducted ~250 Sales Officers and ~400 Feet on growing liabilities and expanding home loan book Ground for covering key markets and target segments 14 Regional Offices resourced and empowered to handle Better control and oversight to create a more sales- small ticket loans, decentralized into 40 Clusters with centric organisation Cluster Heads Business Correspondent partnerships to strengthen One BC onboarded, others are in progress portfolio Partnerships focused to expand Home, Car, Gold, Retail Sector Focus Tie-ups to grow retail reach and Agri loan book Scale-up from number of Retail Loan Processing Hubs In process of scaling from 5 to 8 retail processing hubs Increase Product Penetration per customer through Leveraging customer data to cross-sell to existing analytics-enabled cross selling customer base 15 B. Creating a Performance Driven Culture Rebuild Outward-Facing, Business-Centric Teams New Management Experienced in driving transformation Customer- centric Model Outbound, business-oriented sales force Cross- Functional Capabilities Branch ability to underwrite Assets and originate Liabilities Digital First Focus on client acquisition, service delivery and security Agility of Start- Ups Entrepreneurial practices, accountability and ownership in execution, focused on improving TAT Linear organizational structure with an intensified focus on Branch Banking 16 C. Strengthen Financial Position to Drive Profitability Prioritise Retail and Government Accounts with Sustained Growth in Other Segments Key Capabilities in Place to Leverage Opportunities in the Government Business Empaneled as 'Agency Bank’ for direct tax collection Integrated on National Jan Samarth portal State-level Treasury integrations for collection of revenue National Savings Institute (NSI) (Khajane-II in Karnataka and MAHAKOSH in Maharashtra) (to on-board customers for savings schemes) Target to be one of the top govt. collection banks Live with GST collection through OTC and Internet Banking Live with Customs collection Live with Direct tax collection offering various payment Selected by RBI for upcoming cohort of methods Central Bank Digital Currency (CBDC) Working towards "one-stop" digital solution for all statutory payments 17 C. Strengthen Financial Position to Drive Profitability Targeted Performance Improvement to Boost Returns Cost to Income %: 47.0% - 49.0% Manage Operating Expenses NNPA: 1.0% - 1.5% Enhance Asset Quality ROA %: CASA %: 1.2% - 1.4% 33.0% - 35.0% Effective Capital Allocation Stable Source of Funding NIM %: 3.5% - 3.7% Consistent Interest Margins Cost of Funds: 4.7% - 5.1% Consolidation of financial position to build stakeholder value and enhanced return on equity Optimize Funding Costs 18 D. Digitalisation Propelling Robust Book Growth Foundation in place to Drive Next Leg of Digital Innovation State-of-the-art ‘Technology, Digital  ‘Project KBL-VIKAAS’ to drive & Product Hub’ at Bengaluru transformation initiatives advised by Boston Consulting Group  40,000 sq. ft. super built-up area  Digital Centre of Excellence (DCoE)  370+ work-stations Text Text  Analytical Centre of Excellence  Products and Business Solutioning (ACoE) have been integrated into the Technology and Digital Hub KB L Text  Cloud Data Platform for ACoE  Partnerships with  Four Modules from OFSAA including Fintechs fund transfer and profitability  Co-lending Tech module under implementation Integration  Scalable and configurable platform for business account 19 D. Digitalisation Propelling Robust Book Growth Moving Towards a Digital-First Bank Embedding data & analytics in business processes to drive data-driven decision making… Predict & Prioritise Predictive, business/strategy & descriptive P Data Link to enable seamless communication analytics use-cases and exchange of information Analyse & Automate A Scalable central data repository with data Upskill and Lateral augmentation of special quality management and remediation skills on Data / Portfolio / Visualization capabilities Customise & Collaborate C Upskilling in-house analytics resources for Integrated analytics with business processes seamless business continuity to enable data driven decision making Enable & Execute E …Backed by a strong digital backend and underwriting % of Digital Underwriting on Eligible Sanctions Personal Loan : 100% Car Loans : 90% Home Loans : 93% MSME Loans : 93% 20 D. Digitalisation Propelling Robust Book Growth Digital First, New-Age Private Sector Bank Driven by Fintech Partnerships Co-branded General, Health Co-Lending Credit Cards and Life Insurance Crossed the milestone of Tie-up with reputed NBFC and Partnered with two new Life 3 lakhs cards with SBI; MFI, and aggregator platforms as Insurers; tie-up with one new Partner for Bank sponsored Co- well General Insurer under discussion branded CC under discussion AMFI-Registered Demat Services KBL-FASTag Mutual Fund and Trading Service Distributor Accounts Empaneled with 8 AMCs; Tie-up with two online trading Enabling recharge through mobile Tie-up with MF transaction platforms; implementation of banking, UPI, and NETC FASTag platform comprehensive wealth management portal platform is under discussion Fintech partnerships provide cost effective gateway to cutting-edge innovative solutions 21 Karnataka Bank Our Strengths Banking with Legacy, Celebrating 100 years of trust Embracing the Future Key Strengths Key Highlights Strong governance 100 years of legacy culture and an delivering consistent Strong geographical Superior customer experienced profit and dividend footprint service and retention management team Diversified offerings with Healthy asset quality and Digital & technological established brand equity financials backed by prudent capabilities risk management capabilities 23 Diversified Offerings With Established Brand Equity Product & Services for Everyone Retail and Personal Banking MSME Agriculture Banking  Housing  Working capital finance for traders &  Agriculture & allied activities  Vehicle manufacturing industries  Farm development  Gold  Term loans & infrastructure finance  Agricultural land purchase  Loans against property  Business development loans  Farm mechanization  Personal loans  Corporate loans  Hi-tech agriculture  Education  Professional & self-employed loans  Agricultural infrastructure & ancillary Services Facilities Facilities Simple & smarter Centralized Quick digital Dedicated technical Agri Development GST Based Loans digital loans processing underwriting experts (AFOs) Branches (ADBs) Immediate in- Dedicated sales Loans to women Loans for machinery Farm machinery/ Rural godown loans principle sanction team entrepreneurs & equipment vehicle loans 24 Strong Geographical Footprint A Trusted Brand Identity Steady Growth in Locations Served 1,474 1,480 1,482 1,445 877 901 903 904 7 4 2 8 21 1 10 9 2 1 Mar-22 Mar-23 Sep-23 Dec-23 Branches ATM & Recyclers 3 16 7 20 5 8 Presence Across All Tiers 53 26 Rural Metro Top 5 States 23.0% 27.8% Karnataka 577 7 43 577 Maharashtra 53 Total 1 branches Tamil Nadu 52 904 52 Andhra Pradesh 43 Semi Urban 21 23.3% Urban Telangana 26 25.9% 25 Expanding Customer Connect & Footprint Creating a Pan-India Brand Expanding Customer Connect… …and Geographical Footprint Customer/ NRI/ HNI Meets conducted in Branch & e-lobby Opening in Ayodhya all key metros and regions leading to Inauguration ceremony was graced by Shri Champath Rai, Mega event on 18th of February 2024 General Secretary of the Shri Ram Janambhoomi Teerth Kshetra Connecting with the client across various cities Expanding customer connect and footprint through centenary year celebrations 26 Karnataka Bank Financial Highlights Banking with Legacy, Celebrating 100 years of trust Embracing the Future Financial Highlights Karnataka Bank at a Glance (9M Results) Particulars 9MFY24 9MFY23 Growth Y-o-Y Total Assets 109,990 99,572 10.5% Gross Advances/(% Retail) 69,741 / (47.50%) 63,673 / (48.08%) 9.5% / (58 bps) Deposits 92,195 84,597 9.0% Retail Deposits 63,176 57,211 10.4% CASA Ratio 31.45% 31.91% (46 bps) Gross NPA 3.64% 3.28% 36 bps Net NPA 1.55% 1.66% (11 bps) PCR 80.75% 80.21% 54 bps ROE 15.18% 14.74% 44 bps ROA 1.32% 1.14% 18 bps NIM % 3.57% 3.63% (6 bps) CRAR 15.88% 15.13% 75 bps Tier-1 Capital 13.66% 12.20% 146 bps 28 Financial Highlights Karnataka Bank at a Glance (Quarterly Results) Particulars Q3FY24 Q2FY24 Growth Q-o-Q Q3FY23 Growth Y-o-Y Total Assets 109,990 105,856 3.9% 99,572 10.5% Gross Advances/(% Retail) 69,741 / (47.50%) 66,936 / (48.89%) 4.2% / (139 bps) 63,673 / (48.08%) 9.5% / (58 bps) Deposits 92,195 89,352 3.0% 84,597 9.0% Retail Deposits 63,176 60,962 3.6% 57,211 10.4% CASA Ratio 31.45% 31.91% (46 bps) 31.91% (46 bps) Gross NPA 3.64% 3.47% 17 bps 3.28% 71 bps Net NPA 1.55% 1.36% 19 bps 1.66% (173 bps) PCR 80.75% 83.22% (247 bps) 80.21% 54 bps ROE 14.26% 15.11% (85 bps) 15.61% (135 bps) ROA 1.21% 1.27% (6 bps) 1.21% - NIM % 3.46% 3.58% (12 bps) 3.81% (35 bps) CRAR 15.88% 16.20% (32 bps) 15.13% 75 bps Tier-1 Capital 13.66% 13.11% 55 bps 12.20% 146 bps 29 Liability Profile Deposit Profile (in INR Cr) Retail Term Deposit Breakup (Dec-23) Above 5 cr 92,195 2 cr to 5 cr 87,368 84,597 5.5% 80,387 4.1% 75,655 71,785 68,452 62,871 69% 67% 68% 67% 69% 71% 70% 67% 28% 28% 29% 32% 33% 33% 32% 31% 5% 2% Below 2 cr FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 90.4% Wholesale CASA Term deposit Cost of Deposit Cost of Funds 6.1% 6.1% 6.0% 6.1% 6.0% 6.0% 5.4% 5.3% 5.3% 5.3% 4.8% 4.7% 4.6% 4.7% 4.6% 4.5% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 30 Advances Net Advances Profile (in INR Cr) 68,216 56,783 62,532 59,952 56,964 54,828 26.0% 51,516 20.4% 47,252 20.2% 29.0% 25.8% 13.2% 30.3% 27.3% 31.7% 26.5% 29.5% 33.8% 22.9% 28.7% 26.9% 27.6% 57.8% 50.3% 48.1% 47.5% 45.1% 42.9% 45.5% 53.0% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 Retail Mid corporate Large corporate Sectoral Loan Exposure (Dec-23) Yield on Advances MSME 9.9% NBFC 15.0% 9.8% 22.1% 9.5% 9.4% Infra 3.8% 9.3% 9.2% 9.1% Other Personal 8.8% loans 6.9% Agriculture 13.2% Others 13.7% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 Large Ent. 9.4% Housing 15.8% 31 Asset Quality GNPA & NNPA Provision Coverage (Incl. & excl. TWO) 4.9% 4.8% 4.9% 80.9% 80.2% 80.8% 4.4% 73.5% 70.0% 3.9% 3.7% 3.6% 64.7% 3.3% 54.6% 58.5% 55.5% 58.2% 50.1% 37.3% 36.6% 38.8% 3.0% 3.0% 3.1% 3.2% 31.5% 2.4% 41.1% 1.7% 1.7% 1.6% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 Gross NPA % Net NPA % excl. TWO incl. TWO GNPA Breakup (Dec-23) Sector wise Size wise Credit Portfolio wise Other Personal loans 3.9% Infra 0.9% Above Rs 50 cr, 2.7% Others 5.7% Mid Corporate Upto Rs 1 cr Large Ent. 8.0% (> 7.5 cr to 29.6% Rs 7.5 cr to upto 100 cr) MSME Housing Rs 50 cr 41.3% 47.1% 9.7% 38.3% Retail (upto Rs 7.5 cr) Agriculture 58.7% Rs 1 cr to Rs 7.5 cr 29.4% 24.7% GNPA as on 31 December 2023: INR 2,537 Cr 32 Asset Quality Restructured Portfolio Standard Restructured Portfolio – Movement Standard Restructured Portfolio – Break-up Particulars (INR Cr) Q3FY24 Personal Loans 3.1% Others Opening balance 2,214 Agriculture 0.5% 2.6% CRE 4.1% Fresh restructuring during the period 5 MSME 29.7% Increase in balance in the existing restructured accounts 12 Upgrade of NPA to Standard category 17 Total - A 2,248 Housing 38.3% Reductions in opening balance 203 Downgrades to NPA during the period 207 Mortgage Loans Write-offs during the period 0 14.2% LRD Infra 0.1% Total – B 410 2.9% Large Enterprise 4.5% Total Standard Restructured Portfolio (A-B) 1,837 Includes related accounts 33 Profitability Operating Revenue (INR Cr.) Other Income¹ (INR Cr.) 1,399 1,300 993 326 4,178 954 1,002 378 954 900 3,678 299 597 3,292 3,445 3,364 545 322 193 2,812 2,907 2,922 414 283 194 92 246 178 183 96 172 561 412 356 416 416 432 (30) (151) (190) FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 Fee income Recovery of written off accounts Treasury income Other income Total Operating Profit (INR Cr.) PAT (INR Cr.) 52% 71% 82% 92% 66% 69% 65% 67% 12% 24% 21% 22% 20% 37% 36% 42% 1,180 2,208 1,032 1,999 1,657 1,634 1,664 826 1,473 1,450 1,522 477 432 483 509 326 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 Operating Profit Margin (% of NII) PAT Margin (% of NII) 34 Notes: 1. Other Income includes Locker rent, Debit card, TPP, ATM and Others; Split for FY18 & FY19 not available Profitability Net Interest Margin Cost to Income ratio 3.7% 3.6% 3.6% 52.6% 3.2% 3.2% 50.1% 2.9% 2.9% 49.7% 2.8% 47.6% 47.9% 50.6% 47.1% 45.7% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 Return on Equity Return on Assets 1.3% 15.4% 15.2% 1.2% 14.7% 1.1% 8.5% 0.6% 7.4% 7.7% 7.4% 0.6% 0.6% 0.5% 6.2% 0.5% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 35 Key Ratios CRAR RWA/Total Assets 17.4% 15.7% 15.9% 14.9% 15.1% 63.9% 63.3% 13.2% 60.6% 12.0% 12.7% 58.1% 56.6% 53.9% 54.4% 55.8% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 LCR Credit Cost % 2.4% 2.3% 308.4% 311.6% 280.0% 268.6% 266.0% 246.6% 215.5% 1.5% 1.5% 1.4% 132.1% 0.9% 0.7% 1.0% FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 FY18 FY19 FY20 FY21 FY22 FY23 9MFY23 9MFY24 36 Shareholder Value Shareholding Pattern (Dec-23) EPS & Market Capitalisation Foreign 45.0 Institutions 42.7 10,000 19.0% 40.0 37.9 8,116 35.0 8,000 30.0 25.0 6,000 20.0 3,777 Domestic 4,000 16.4 Indian Public 3,247 15.4 15.5 4,238 15.0 Institutions 13.9 57.2% 17.7% 11.5 10.0 2,000 1,899 5.0 Body 1,725 1,307 Corporate - 0.0 3.9% Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Dec-231 NRIs 2.2% M. Cap (in Cr.) (LHS) Basic EPS (Rs per share) (RHS) DII Holding has increased from 5.7% in Mar-23 to 17.7% in Dec-23 37 Notes: 1. EPS for Dec-23 has been annualised Disclaimer This presentation has been prepared by Karnataka Bank (the “Bank”) solely for providing information about the Bank. This presentation is confidential and may not be copied or disseminated, in whole or part, in any manner. This presentation has been prepared by the Bank based on information and data which the Bank considers reliable, but the Bank makes no representation or warranty or undertaking, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness, correctness and reasonableness of the contents of this presentation. This presentation has not been approved and will not be reviewed or approved by any statutory or regulatory authority in India or by any Stock Exchange in India and may not comply with all the disclosure requirements prescribed thereof. 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