Investor Presentation on Unaudited Financial Results for the quarter ended June 30, 2026

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:104 :2026-27 Date: 30.07.2026 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 Financial Results for the quarter ended June 30, 2026 We refer to our earlier letter no.: HO: SEC: 95:2026-27 dated 22.07.2026 intimating about the scheduling of Q1FY27 Earning’s Audio Conference Call for Analysts/Institutional Investors to be held on Thursday, July 30, 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 financial results of the Bank for the quarter ended June 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 Q1 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 Q1FY27 Managing transitions to achieve stability and sustainable growth… Deposits and Advances Profitability Metrics Asset Quality Gross Advances1 17% INR cr. 74,267 cr. 86,610 cr. 3.46% 2,383 2,261 2.58% (In Retail, Agri & MSME) 1,506 1,444 26,701 33,438 938 1.44% 0.87% 12,168 12,882 13,860 14,920 21,538 25,370 GII GIE NII GII GIE NII Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 GNPA NNPA GII – Gross Interest Income; Retail MSME Agriculture Others GIE – Gross Interest Expense; NII – Net Interest Income Total Deposits Q1FY26 Q1FY27 67.03% 1,03,242 cr. 1,10,396 cr. 0.53% 12.48% 9.58% 59.18% CASA 12% 0.97% 1.29% 0.14% Q1FY26 Q1FY27 31,835 cr. 35,787 cr. Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Retail Term Deposit ROE ROA Slippage PCR (excl. TWO) Q1FY26 Q1FY27 65,786 cr. 69,410 cr. Notes: 1. Retail, Agriculture and MSME classifications done as per internal classifications 2. Other include NBFC, SME, Large & Mid Corporates and Others Q1 FY27 Performance at a Glance Q1FY27 INR cr. Assets Gross Advances Retail Advances1 Deposits CASA • The Bank’s Gross Advances 86,610 43,714 1,10,396 35,787 recorded a 4% QoQ growth, increasing from Rs. Rs. 83,340 cr. to Rs. 86,610 cr. 4% QoQ 3% QoQ 1% QoQ (2 %) QoQ • The Bank’s Retail Term Deposit 4% QoQ In Retail, Agri & MSME 3% QoQ In Retail Term Deposit (RTD) increased from Rs. 67,648 cr. to Rs. 69,410 cr. registering a Profitability 3% QoQ growth. NIM PAT ROA ROE • As of Q1 FY27, the Bank’s GNPA stood at 2.58%, reflecting an 3.20% 419 1.29% 12.48% improvement of 20 bps QoQ, 13 bps QoQ 3% QoQ 2 bps QoQ (21 bps) QoQ while the NNPA improved by 11 bps QoQ to 0.87%. • The Bank’s standard Asset Quality restructured portfolio declined GNPA and Std Restructured to Rs. 763 cr. as of Q1 FY27, GNPA PCR (Excl. TWO) % of Advances NNPA compared to Rs. 806 cr. in Q4 2.58% 67.03% FY26, reflecting a 5% QoQ 3.46% 0.87% improvement. (20 bps) QoQ 164 bps QoQ (29 bps) QoQ (11 bps) QoQ 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 31 years of end-to-end banking Director 38 years at Karnataka Bank experience Former MD, State Bank of India 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 Former Independent Director, State Bank Founder ECube Investment Advisors of Mysore Dr. M Aruna Shyam Independent Director Senior Advocate, M/s. Aruna Shyam Associates; Senior Advocate of the Honorable High Court of Karnataka Experienced Management Team Strengthening of Management, making the Organization Future Ready Raghavendra S Bhat Biji S S Raja B S Chandra Shekar MD & CEO Executive Director (ED) Chief Operating Officer (COO) Chief Business Officer (CBO) 38 years at Karnataka Bank 31 years of end-to-end banking 35 years at Karnataka Bank 30 years at Karnataka Bank experience Vinaya Bhat P J Jayanagaraja Rao S Kannan K Ratheesh R Chief Compliance Officer Head Inspection & Audit (HIA) & Chief Information Security Head – Training (CCO) & Chief of Internal Vigilance (CIV) Officer (CISO) 39 years of experience in Principal Officer 28 years at Karnataka Bank 30 years at Karnataka Bank BFSI 28 years at Karnataka Bank Nagaraja Upadhyaya B Vijayakumar P H Raghuram H S Chandrashekara G Head - Credit Sanctions Chief Financial Officer Branch Banking; Liabilities Head - Credit Sanctions [Exposure upto Rs.15Crs.] (CFO) Sales, TPP, Government [Exposure above Rs.15Crs.] 29 years at Karnataka Bank 25 years at Karnataka Business; Products, Business 31 years at Karnataka Bank Bank Solutions Group (BSG); and IT & MIS 31 years at Karnataka Bank Sunil Rao B Sham K Sreedhar S Head - Treasury Company Secretary & Head - Credit Monitoring 23 years at Karnataka Bank Head – Operations 28 years at Karnataka Bank Department 15 years of experience in BFSI Strong management with proven experience and leadership Financial Highlights Banking with Legacy, Embracing the Future Financial Highlights Profit and Loss Statement Particulars Q1FY27 Q4FY26 Q-o-Q % Q1FY26 Y-o-Y % 2,382.65 2,257.32 5.55% 2,261.28 5.37% Interest Income 1,444.36 1,414.37 2.12% 1,505.68 -4.07% Interest Expense 938.29 842.95 11.31% 755.60 24.18% Net Interest Income 355.42 398.86 -10.89% 358.36 -0.82% Other Income Total Income 1,293.71 1,241.81 4.18% 1,113.96 16.14% (Net of Interest Expense) Employee Expenses 408.56 279.58 46.13% 341.13 19.77% Other Expenses 304.81 347.19 -12.21% 305.54 -0.24% Total Operating Expenses 713.37 626.77 13.82% 646.67 10.31% Operating Profit 580.34 615.04 -5.64% 467.29 24.19% Provisions 28.70 90.34 -68.23% 110.80 -74.10% Profit Before Tax (PBT) 551.64 524.70 5.13% 356.49 54.74% Tax 132.69 116.51 13.89% 64.09 107.04% Profit After Tax (PAT) 418.95 408.19 2.64% 292.40 43.28% Amount in INR Cr. Financial Highlights Balance Sheet Particulars As on 30-06-2026 As on 31-03-2026 Q-o-Q % Property & Assets Cash & Balance With RBI 4,552.46 7,063.49 -35.55% Balance With Banks & Money At Call & 972.03 672.14 44.62% Short Notice Investments 26,724.08 26,738.80 -0.06% Advances 85,101.10 81,809.63 4.02% Fixed Assets 1,050.64 1,060.06 -0.89% Other Assets 12,075.00 12,012.48 0.52% Total 1,30,475.31 1,29,356.60 0.86% Capital and Surplus Capital 378.21 378.19 0.01% Reserves & Surplus 13,328.81 12,846.27 3.76% Deposits 1,10,396.41 1,08,778.75 1.49% Borrowings 4,404.63 5,329.00 -17.35% Other Liabilitie [Showing first 8,000 characters — download PDF for full document]