Integrated Annual Report of the Bank for the FY 2025-26

Karnataka Bank Ltd. Your Family Bank. Across India. Regd. & Head Office Phone : 0824-2228222 Post Box 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:135:2026-27 Date: 31.08.2026 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: Notice of 102nd Annual General Meeting (e-AGM) of members of the Bank and Integrated Annual Report for Financial Year 2025-26 Ref: Our letter ref. HO:SEC:130:2026-27 dated 29.08.2026 regarding scheduling of Annual General Meeting of the Bank We refer to our letter dated August 29, 2026, intimating about the 102nd Annual General Meeting (“AGM”) of the Members of the Karnataka Bank Limited (“Bank”) scheduled to be held on Tuesday, September 22, 2026, at 11:00 AM (IST) through Video Conferencing (VC) / Other Audio Visual Means (OAVM). Pursuant to Regulations 30 and 34 (1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in continuation to our letter cited above, please find enclosed the Notice of 102nd AGM of the Bank and Integrated Annual Report for the Financial Year 2025-26. The Bank is providing electronic voting facility to its members to exercise their right to vote by electronic means on all the items of business as set out in the Notice, through e-voting platform of Central Depository Services (India) Limited (CDSL), which will commence on Friday, September 18, 2026 at 09.00 AM and ends on Monday, September 21, 2026 at 05:00 PM. The e-Voting module will be disabled by CDSL after 05.00 PM on Monday, September 21, 2026. The members who have not cast their votes by remote e-voting can exercise their voting rights through the e-voting system during the AGM. A person, whose name is recorded in the Register of Members or in the Register of Beneficial Owners maintained by the Depositories as on the cut-off date i.e., Tuesday, September 15, 2026, only shall be entitled to avail the facility of remote e-voting or e-voting at the meeting. This Notice and Annual Report are also hosted on the website of the Bank under the link given below: https://karnatakabank.com/investors/annual-reports The email containing the weblink to download the aforesaid Notice & Annual Report is being disseminated to the shareholders whose email ids were made available through the Depositories / Registrar & Share Transfer Agent as the case may be, based on the data as on August 28, 2026. This is for your kind information and dissemination. Yours faithfully, Sham K Company Secretary & Compliance Officer CELEBRATING Integrated Annual Report 2025-26 YEARS OF TRUST & EXCELLENCE Led by Experience Anytime you need it. Powered by Anywhere you want it. Innovation Download the Karnataka Bank Digital Rupee Mobile App Now! Your Family Bank. Across India. CORPORATE INFORMATION As on 31.03.2026 Chief Financial Officer (CFO) Chief Operating Officer VIJAYAKUMAR P H RAJA B S Head of Finance & Accounts Department and Chief Business Officer Chief Financial Officer (CFO) CHANDRA SHEKAR Company Secretary & Compliance Officer General Managers* SHAM K CCOONNTTEENNTTSS VINAYA BHAT P J Head of Operations Department (Additional Charge) Head of Compliance Department - Chief Compliance Officer (CCO) Legal Advisor M V Shanker Bhat JAYANAGARAJA RAO S Head of Internal Audit & Chief of Internal Statutory Auditors Vigilance M/s. Ravi Rajan & Co LLP, Delhi M/s. R.G.N. Price & Co, Chennai KANNAN K Corporate Overview Financial Statements Chief Information Security Officer (CISO) Secretarial Auditor RATHEESH R M/s. SVJS & Associates, Bengaluru Head -Training How to Read this Report 02 Standalone Regd. & Head Office Your Family Bank. Across India. 04 Independent Auditors’ Report 304 NAGARAJA UPADHYAYA B Post Box No. 599, Mahaveera Circle, Kankanady, Modernising the Banking Experience 06 Standalone Balance Sheet 312 Credit Sanctions Department Mangaluru-575002 Our Geographic Presence 07 Standalone Profit and Loss Account 313 (Exposure upto H15 crore) Ph: 0824 2228222 Board of Directors 08 Standalone Cash Flow Statement 314 E-mail: info@ktk.bank.in Moments to Celebrate 09 Schedules Forming Part of Balance Sheet 316 RAGHURAM H S CIN: L85110KA1924PLC001128 Chairman’s Letter 10 Head of Branch Banking, Products & Business Consolidated MD & CEO’s Message 14 Solutions Group (BSG) & IT & MIS Department Independent Auditors’ Report 377 Subsidiary Product Portfolio 18 (Additional Charge) Our Strategy 24 Consolidated Balance Sheet 386 KBL Services Limited CHANDRASHEKARA G Hafeeza Chambers, No. 111/3 3rd Floor, Stakeholder Engagement and Materiality 30 Consolidated Profit and Loss Account 387 Head of Credit Sanctions Department A-Wing, K H Road Bengaluru – 560027 Value Creation Process 34 Consolidated Cash Flow Statement 388 (Exposure above H15 crore) CIN: U74900KA2020PLC135108 Financial Capital 36 Schedules Forming Part of Balance Sheet 390 Manufactured Capital 42 SUNIL RAO B Intellectual Capital 48 Registrar & Share Transfer Agent Head of Integrated Treasury Human Capital 54 Integrated Registry Management Services Natural Capital 60 SREEDHAR S Private Limited Social and Relationship Capital 66 Head of Credit Monitoring Department 30, Ramana Residency, 4th Cross, Sampige Road, Malleshwaram, Bengaluru-560003 Chief Risk Officer Tel: (080) 23460815-818 Email: irg@integratedindia.in Statutory Reports Scan the QR MANOJ KUMAR P V code to know To view the Annual report more about the Debenture Trustee company online log on to www. karnatakabank.bank.in/ Beacon Trusteeship Limited Notice of 102nd Annual General Meeting 76 investors 5W, 5th Floor, Metropolitan Building, 102nd Board’s Report 99 E Block, Bandra Kurla Complex (BKC), 102nd Board’s Report in Regional Language 116 Let’s stay connected! Bandra (East), Mumbai 400 051 Report on Corporate Governance 189 Business Responsibility & Sustainability Report 226 Management Discussion and Analysis 287 *Note: NIRANJANKUMAR R, Chief Human Resources Officer, resigned on 16/05/2026. VENKATESWARLU MALLINENI, Head-Liabilities Sales & TPPs, resigned on 25/05/2026. Led by Experience 102nd Integrated Annual Report Corporate Overview Statutory Reports Financial Statements Powered by Innovation 2025-26 HOW TO READ THIS REPORT Our Reporting Principles Enhancing Our Disclosures Important Note This Report incorporates applicable N The Securities and Exchange This Report is intended for general Strategic Focus Materiality statutory, regulatory and voluntary Board of India (Listing Obligations information purposes only and does This Integrated Explains how our strategic priorities, Focuses on matters that have the reporting requirements to provide and Disclosure Requirements) not constitute an offer to buy or sell Annual Report resource allocation decisions and greatest influence on the Bank’s ability stakeholders with a broader Regulations, 2015 securities of Karnataka Bank Limited. business activities contribute to value to create value over time. understanding of the Bank’s The information presented is based on explains how creation over the short, medium and performance, governance practices N Business Responsibility and conditions and assumptions prevailing long term. Completeness and Reliability and value creation approach. Sustainability Reporting (BRSR) at the time of publication and is subject Karnataka Bank based on the National Guidelines Provides a balanced view of to change without notice. creates value over Connectivity of Information performance, opportunities, risks and N The Companies Act, 2013 (including for Responsible Business Conduct the rules made thereunder) (NGRBC) For additional information, please Shows the rel [Showing first 8,000 characters — download PDF for full document]