KTKBANK

Management Guidance & Outlook - Target advances growth of 15% to 20% and deposit/liabilities growth of 10% to 15% for FY27. - NIM targeted in the range of 3.0% to 3.4% and RoA guided between 1.10% and 1.35%. - Portfolio mix target: Expand Retail share to 60% (from 56%), Mid-corporate to 22% (from 20%), while reducing Large Corporate to 18% (from 24%). - On track to open 31 branches in FY27, surpassing the milestone of 1,000 branches. Financial & Operational Performance - Gross advances grew 25% YoY to ₹92,015 Cr; aggregate deposits grew 12% YoY to ₹1,15,117 Cr. - Net Interest Income (NII) jumped 35% YoY to ₹982.44 Cr, while PAT increased 37% YoY to ₹435.89 Cr. - Cost-to-Income ratio improved to 52.68% from 58.93% in Q2FY26. Asset Quality & Recovery - Gross NPA improved to 2.27% (down 106 bps YoY) and Net NPA decreased to 0.74% (down 61 bps YoY). - Slippages reduced to 0.11% with credit costs at 0.002%. - PCR increased to 68.05% (85.78% including technical write-offs), with anticipated major recoveries lined up for Q3 FY27.

- The Karnataka Bank Limited has announced changes in its senior management effective November 1, 2026. - Mr. Raghuram H S and Mr. Vinaya Bhat P J have been elevated from General Manager to Chief General Manager. - Mr. Arul Raj Gomez A and Mr. Jagadeesha D G have been promoted from Deputy General Manager to General Manager.

- The Karnataka Bank Limited has announced the appointment of Mr. Sughosh Nagendra as the Chief Technology Officer (CTO) of the bank in the cadre of General Manager. - The appointment is effective from October 30, 2026. - Mr. Sughosh Nagendra brings over 27 years of extensive experience in the Information Technology industry, specializing in IT strategy, digital transformation, and cybersecurity.

- Net Profit grew 36.6% YoY to ₹435.89 Cr; NII rose 34.9% YoY to ₹982.44 Cr in Q2 FY27. - Gross Advances increased 25% YoY to ₹92,015 Cr, while Total Deposits rose 12% YoY to ₹1,15,117 Cr. - Asset quality improved with GNPA dropping to 2.27% (-106 bps YoY) and NNPA to 0.74% (-61 bps YoY).

- Karnataka Bank reported an aggregate business of ₹2,07,132.41 Crores for Q2 FY27, registering a YoY growth of 17.38%. - Net Profit for Q2 FY27 stood at ₹435.89 Crores, up 36.59% YoY from ₹319.12 Crores in Q2 FY26. - Net Interest Income (NII) for the quarter rose by 34.93% YoY to ₹982.44 Crores, with Net Interest Margin (NIM) improving by 45 bps YoY to 3.17%. - Asset quality improved significantly, with Gross NPA decreasing to 2.27% (down 106 bps YoY) and Net NPA dropping to 0.74% (down 61 bps YoY). - Total Deposits grew by 11.96% YoY to ₹1,15,117.15 Crores and Gross Advances grew by 24.95% YoY to ₹92,015.26 Crores.

- Q2 FY27 Consolidated Total Income at ₹2,793.96 Cr vs ₹2,522.58 Cr (▲10.8% YoY) - Operating Profit rose to ₹602.20 Cr vs ₹440.13 Cr (▲36.8% YoY) - Consolidated Net Profit (PAT) at ₹435.86 Cr vs ₹319.22 Cr (▲36.5% YoY) - Asset quality improved with Gross NPA at 2.27% vs 3.33% and Net NPA at 0.74% vs 1.35% YoY

- Mr. Raja B S has resigned as the Chief Operating Officer (Senior Management Personnel) of The Karnataka Bank Limited, effective from the close of business hours on October 19, 2026. - The resignation is to pursue further career and passion beyond the Bank after serving for nearly 37 years.

- The Karnataka Bank Limited has allotted 58,065 equity shares of face value ₹10 each on October 19, 2026. - Allotment done pursuant to the exercise of vested stock options under the KBL Stock Option Scheme 2018 (ESOS 2018). - Approved by the Managing Director & CEO for eligible employees/grantees.

Concall Schedule Concall Date: October 29, 2026 Concall Time: 04:00 PM IST

- Karnataka Bank has unveiled 'Nava Dhamaka 2026' to enhance the overall banking experience. - The press release was issued on October 15, 2026. - Focuses on introducing new offerings and improving customer service.

- Karnataka Bank has launched "Trade Konnect", a digital platform for import, export, and outward remittance transactions. - The platform allows customers to submit forex and cross-border remittance requests online without visiting physical branches. - The initiative aims to enhance customer experience, improve ease of doing transactions, and accelerate the bank's digital transformation.

- The Karnataka Bank Limited submitted the statement of debt securities issued under private placement basis for the half year ended September 30, 2026. - Total amount issued and outstanding is ₹300.00 crore under ISIN INE614B08054 with a coupon rate of 10.70% p.a.

- Re-confirmation of compliance under Regulations 6(1) and 7(1) of SEBI (LODR) Regulations, 2015. - Mr. Sham K continues as the Company Secretary and Compliance Officer. - M/s. Integrated Registry Management Services Private Limited continues as the Registrar and Share Transfer Agent.