Investor Presentation

Karnataka Bank Ltd. Your Family Bank. Across India. Regd. & Head Office Phone : 0824-2228222 P. B. No.: 599, Mahaveera Circle E-Mail : comsec@ktk.bank.in Kankanady Website : www.karnatakabank.bank.in Mangaluru – 575 002 CIN : L85110KA1924PLC001128 SECRETARIAL DEPARTMENT HO:SEC: 201:2026-27 Date: 28.10.2026 The Manager The Manager Listing Department Corporate Relationship Department National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G Phiroze Jeejeebhoy Towers Bandra-Kurla Complex, Bandra (E) Dalal Street MUMBAI - 400051 MUMBAI - 400001 NSE Scrip Code: KTKBANK BSE Scrip Code: 532652 Madam / Dear Sir, Sub: Intimation under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Submission of copy of the presentation for Analysts / Institutional Investors on the Unaudited, Reviewed Financial Results for the quarter and half year ended September 30, 2026 We refer to our earlier letter no.: HO: SEC: 192 2026-27 dated 17.10.2026 intimating about the scheduling of Q2FY27 Earning’s Audio Conference Call for Analysts / Institutional Investors to be held on Thursday, October 29, 2026 at 04:00 PM 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 the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith a copy of the presentation for Analysts / Institutional Investors on the unaudited, reviewed financial results of the Bank for the quarter and half year ended September 30, 2026. The analyst presentation has also been hosted on the website of the Bank and the same is available under the link given below: https://www.karnatakabank.bank.in/investors/quarterly-results This is for your kind information and dissemination. Yours faithfully, Sham K Company Secretary & Compliance Officer INVESTOR PRESENTATION Q2 FY27 Banking with Legacy, Embracing the Future Table of Contents Independent Board and Experienced Management Team 02 Financial Highlights Accelerating our Transformation Journey Our Strengths and Strategies Key Parameters for Q2FY27 Managing transitions to achieve stability and sustainable growth… Deposits and Advances Profitability Metrics Asset Quality Gross Advances1 25% INR cr. 73,644 cr. 92,015 cr. 3.33% 19% 2,504 2,179 (In Retail, Agri & MSME) 2.27% 1,451 1,521 25,686 35,047 982 1.35% 0.74% 11,359 14,031 14,248 16,608 GII GIE NII GII GIE NII 22,351 26,329 Q2FY26 Q2FY27 Q2FY26 Q2FY27 Q2FY26 Q2FY27 GNPA NNPA GII – Gross Interest Income; Retail MSME Agriculture Others GIE – Gross Interest Expense; NII – Net Interest Income Total Deposits Q2FY26 Q2FY27 68.05% 1,02,817 cr. 1,15,117 cr. 12.51% 60.22% 10.14% 0.35% CASA 15% 1.03% 1.26% 0.11% Q2FY26 Q2FY27 31,882 cr. 36,605 cr. Q2FY26 Q2FY27 Q2FY26 Q2FY27 Q2FY26 Q2FY27 Retail Term Deposit ROE ROA Slippage PCR (excl. TWO) Q2FY26 Q2FY27 65,532 cr. 72,197 cr. Notes: 1. Retail, Agriculture and MSME classifications done as per internal classifications 2. Others include Mid & Large Corporates and Others Q2 FY27 Performance at a Glance Q2FY27 INR cr. Assets Gross Advances Retail Advances1 Deposits CASA • The Bank’s Gross Advances 92,015 46,000 1,15,117 36,605 recorded a 6% QoQ growth, increasing from Rs. 86,610 cr. to 2% QoQ | 15% YoY 4% QoQ | 12% YoY 6% QoQ | 25% YoY 5% QoQ | 17% YoY Rs. 92,015 cr. 7% QoQ | 19% YoY 4% QoQ | 10% YoY • The Bank’s Retail Term Deposit In Retail, Agri & MSME In Retail Term Deposit (RTD) increased from Rs. 69,410 cr. to Rs. 72,197 cr. registering a Profitability 4% QoQ growth. NIM PAT ROA ROE • As of Q2 FY27, the Bank’s GNPA stood at 2.27%, reflecting an 3.17% 436 1.26% 12.51% improvement of 31 bps QoQ, while the NNPA improved by 13 (3bps) QoQ | 45bps YoY 4% QoQ | 37% YoY (3 bps) QoQ | 23bps YoY 3bps QoQ | 237bps YoY bps QoQ to 0.74%. • The Bank’s standard Asset Quality restructured portfolio declined GNPA and Std Restructured to Rs. 649 cr. as of Q2 FY27, PCR (Excl. TWO) GNPA % of Advances NNPA compared to Rs. 763 cr. in Q1 68.05% 2.27% 2.98% 0.74% FY27, reflecting a 15% QoQ improvement. (31bps) QoQ | (106bps) YoY (48bps) QoQ | (163bps) YoY (13bps) QoQ | (61bps) YoY 102bps QoQ | 783bps YoY Notes: 1. Retail classification done as per RBI definition Guided by an Independent Board With no Shareholder Holding >5% Share Capital in the Bank Biji S S P Pradeep Kumar Raghavendra S Bhat Executive Director (ED) Part Time Chairman, Independent MD & CEO Former Chief General Manager, South Director 39 years at Karnataka Bank Indian Bank Limited with over 30 Former MD, State Bank of India years of end-to-end banking experience Balakrishna Alse S CA B R Ashok Uma Shankar Independent Director Non-Executive Director Independent Director Former ED, Oriental Bank of Chartered Accountant with over 40 Former ED, Reserve Bank of India Commerce years of experience CA Kalmanje Gururaj Acharya Harish H V Jeevandas Narayan Independent Director Independent Director Independent Director Former MD, State Bank of Travancore; Senior Partner, M/s. K G Acharya & Co., Former Partner, Grant Thornton; Deputy MD, State Bank of India Chartered Accountants Founder ECube Investment Advisors Private Limited Parthasarathi Periaswamy Dr. M Aruna Shyam Independent Director Independent Director Former Chief Information Security Officer Senior Advocate of the Honorable and Chief General Manager (IT) at the High Court of Karnataka Reserve Bank of India Experienced Management Team Strengthening of Management, making the Organization Future Ready Chandra Shekar Biji S S Raghavendra S Bhat Chief Business Officer (CBO) Executive Director (ED) MD & CEO 31 years at Karnataka Bank Former Chief General Manager, South 39 years at Karnataka Bank Indian Bank Limited with over 30 years of end-to-end banking experience Kannan K Vinaya Bhat P J Jayanagaraja Rao S Chief Information Security Chief Compliance Officer Head Inspection & Audit (HIA) & Officer (CISO) (CCO) & Principal Officer Chief of Internal Vigilance (CIV) 31 years at Karnataka Bank 29 years at Karnataka Bank 29 years at Karnataka Bank Ratheesh R Vijayakumar P H Nagaraja Upadhyaya B Head – Training Chief Financial Officer Head – Retail, MSME, 40 years of experience in (CFO) Wholesale & Mid-Corporate BFSI 26 years at Karnataka Banking] Bank 31 years at Karnataka Bank Raghuram H S Chandrashekara G Sunil Rao B HR & IR and Head - Credit Sanctions Head - Treasury IT & MIS [Exposure above Rs.15Crs.] 24 years at Karnataka Bank 32 years at Karnataka Bank 32 years at Karnataka Bank Strong management with proven experience and leadership Experienced Management Team Strengthening of Management, making the Organization Future Ready Sham K Sreedhar S Basavaraj Desalli Company Secretary & Head - Credit Monitoring Head - Credit Sanctions Head – Operations 29 years at Karnataka Bank [Exposure upto Rs.15Crs.] Department 31 years at Karnataka Bank 16 years of experience in BFSI Raghavendra C L Gopalakrishna Samaga B Branch Banking, Products, Legal & Recovery BSG, Liabilities Sales, TPP & 32 years at Karnataka Bank Government Business 27 years at Karnataka Bank Strong management with proven experience and leadership Financial Highlights Banking with Legacy, Embracing the Future Financial Highlights Profit and Loss Statement Particulars Q2FY27 Q1FY27 Q-o-Q % Q2FY26 Y-o-Y % 2,503.87 2,382.65 5.09% 2179.18 14.90% Interest Income 1,521.43 1,444.36 5.34% 1451.06 4.85% Interest Expense 982.44 938.29 4.71% 728.12 34.93% Net Interest Income 290.09 355.42 -18.38% 343.37 -15.52% Other Income Total Income 1,272.53 1,293.71 -1.64% 1,071.49 18.76% (Net of Interest Expense) Employee Expenses 361.06 408.56 -11.63% 316.49 14.08% Other Expenses 309.25 304.81 1.46% 314.96 -1.81% Total Operating Expenses 670.31 713.37 -6.04% 631.45 6.15% Operating Profit 602.22 580.34 3.77% 440.04 36.86% Provisions 14.74 28.70 -48.64% 20.08 -26.59% Profit Before Tax (PBT) 587.48 551.64 6.50% 419.96 39.89% Tax 151 [Showing first 8,000 characters — download PDF for full document]