General Updates

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:136:2026-27 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: Business Responsibility and Sustainability Report for the Financial Year 2025-26 Pursuant to Regulation 34 (2) (f) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Business Responsibility and Sustainability Report of the Bank for the Financial Year 2025-26. This aforesaid report is also available on the website of the Bank under the link given below: https://karnatakabank.bank.in/investors/agms-postal This is for your kind information and dissemination. Yours faithfully, Sham K Company Secretary & Compliance Officer BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORT Annexure XI BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORT - FY 2025-26 SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1 Corporate Identity Number (CIN) of the Listed Entity L85110KA1924PLC001128 2 Name of the Listed Entity The Karnataka Bank Limited 3 Year of incorporation 1924 4 Registered office address Regd. and Head Office, Post Box No. 599, Mahaveera Circle, Kankanady, Mangaluru-575002 Karnataka, India 5 Corporate address Regd. and Head Office, Post Box No. 599, Mahaveera Circle, Kankanady, Mangaluru-575002 Karnataka, India 6 E-mail info@ktk.bank.in 7 Telephone 0824-2228222 8 Website https://www.karnatakabank.bank.in 9 Financial year for which reporting is being done FY 2025-26 10 Name of the Stock Exchange(s) where shares are listed a. BSE Limited (Equity Shares) b. National Stock Exchange of India Limited 11 Paid-up Capital H 378,18,15,620.00 12 Name and contact details (telephone, email address) of the Shri Raghuram H S, General Manager, person who may be contacted in case of any queries on Branch Banking Department the BRSR report raghuramhs@ktk.bank.in 0824- 2228274 13 Reporting boundary - Are the disclosures under this report Consolidated Basis made on a standalone basis (i.e., only for the entity) or on a consolidated basis (i.e., for the entity and all the entities which form a part of its consolidated financial statements, taken together). 14 Name of Assurance Provider M/s Gencarbon ESG Private Limited 15 Type of Assurance Provided Limited Assurance Provided II. Products/services 16. Details of business activities (accounting for 90% of the turnover) Description of Main Activity Description of Business Activity % of Turnover of the entity 1 Banking (Financial and Insurance Services Banking activities by Central, Commercial 100% Activity Code-K1) Bank, Digital banking, and savings bank. Led by Experience Powered by Innovation 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): S. % of total Turnover Product/Service NIC Code No. contributed 1 Banking Services 64191 100% III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices Total National NA No of branches-975 No of branches-975 No of Offices – 42 No of Offices – 42 No of ATMs/Recyclers – 1474 No of ATMs/Recyclers – 1474 No of Business Correspondents- 201 No of Business Correspondents- 201 International NIL NA NA Note: All deployed ATMs and recyclers are equipped with braille keypads and voice guidance systems to support visually impaired individuals and ensure inclusive access. With 37.6% (449 sites and 517 machines) of the 1195 sites having ramp facilities for inclusive banking for the differently abled and aging customer base. 19. Markets served by the entity: a. Number of locations Locations Number National (No. of States) 22 States and 2 Union Territories International (No. of Countries) NA b. What is the contribution of exports as a percentage of the total turnover of the entity? For Karnataka Bank, export-related metrics do not apply in the traditional corporate sense. Because the entity operates as a commercial bank, its 100% turnover is generated from banking, financial, and insurance services. Consequently, the contribution of exports as a percentage of total turnover is Not Applicable. However, while exports do not directly make up the bank's operational revenue, Karnataka Bank actively supports international trade by offering products like export credit, foreign exchange, and overseas transaction services to businesses. c. A brief on customer engagement and type of business: The Karnataka Bank Limited (KBL) has a base of 14 million customers as on 31st March 2026 with its principal business caters to comprehensive range of customized products & services suitable for every kind of market, trade, or perceived need in the areas of Personal, Business, Agriculture, NRI Priority Banking including support of Green Sustainability funds with a dedicated ESG Policy. https://www.karnatakabank.bank.in/investors/policies-codes These include Borrowing facilities, deposits, providing optimum returns on surplus funds or helping with overseas transactions. The customer base of the bank consists of 1. Retail individuals, 2. Digital UPI payment service customers and partners, 3. Large corporates with treasury and wholesale banking needs, 4. MSME’s including mid corporate clients, 5. NRI Individuals living abroad who maintain financial connections with their home country through NRI accounts and services, 6. Farmers and agriculturists, along with green projects, Agri and Solar business units. BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORT 7. Government bodies and agencies, non-profit organizations, and other entities that require specialised banking services, including support towards old age charitable homes, 8. The Bank has been collaborating with fintech companies to enhance digital services and expand reach as part of Digital India program since early 2000’s for focusing on the new generation of Tech-savvy customers who prefer digital channels. 9. Banking with Digital Currency (CBDC). Continuing the efforts to ensure that excellent banking service along with ESG goals are served, in FY 2025-26, through its digital-first, paperless agenda and targeted environmental initiatives, the Bank has made significant strides in reducing its carbon footprint, conserving resources, and embedding sustainability across its operations, in line with BRSR and ESG best practice. The Bank’s ESG policy guides lending, operations, and resource use, with oversight by an Executive-level ESG committee and clear actionable targets and key result areas for sustainable operations. During FY2025-26, the bank has a focused disbursement of environment sustainable solutions focused, Customer livelihood and enablement related Loans such as: Table 1 No.: of A/cs & Sanctioned Type of Loan limit (FY 2025-26) Loan for Renewable Energy Projects (Onward Lending) 400 Crores Loan for Renewable Energy Projects (Corporate) 92.65 Crores Electric Vehicle Loans 22.95 Crores Total Exposure 515.60 Crores Details of advances for women entrepreneurs, Self-Help Groups (SHGs) are as below: Table 2 As on 31.03.2026 Type of Loan (Amount in J Crores) Total Advances 83,339.92 Self Help Groups (SHGs) Outstanding amount 1,094.51 Percentage of SHG to Total Advance 1.31% Women Entrepreneurs Advances – Outstanding Amount 965.94 Bank is actively promoting Social Security Schemes of GOI. The brief details of APY performance are as below: Table 3 Target assigned by No of actual FY Target DFS/PFRDA (In Nos) enrolments (In Nos) 2024-25 32,165 32,597 Achieved 202 [Showing first 8,000 characters — download PDF for full document]