Karnataka Bank Ltd. · NSE:KTKBANK
Karnataka Bank — Q1 FY27 Earnings Presentation
39 slides from Karnataka Bank's earnings presentation, Jul 29, 2026
Slide 1: Karnataka Bank Ltd. - Exchange Intimation Letter
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.
Slide 2: Investor Presentation Q1 FY27
INVESTOR PRESENTATION Q1 FY27 Banking with Legacy, Embracing the Future 1
Slide 3: Table of Contents
Table of Contents Independent Board and 01 Experienced Management Team 02 Financial Highlights Accelerating our Transformation 03 Journey 04 Our Strengths and Strategies
Slide 4: Key Parameters for Q1FY27
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% 12% 2,261 2,383 (In Retail, Agri & MSME) 2.58% 1,506 1,444 26,701 33,438 938 1.44% 756 12,168
Slide 5: Q1 FY27 Performance at a Glance
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 4% QoQ 3% QoQ 1% QoQ (2 %) QoQ cr. to Rs. 86,610 cr. 4% QoQ In Retail, Agri & MSME 3%
Slide 6: Guided by an Independent Board
Guided by an Independent Board With no Shareholder Holding >5% Share Capital in the Bank P Pradeep Kumar Biji S S 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
Slide 7: Experienced Management Team
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 y
Slide 8: Financial Highlights
Financial Highlights Banking with Legacy, Embracing the Future 7
Slide 9: Financial Highlights - Profit and Loss Statement
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 Net Interest Income 938.29 842.95 11.31% 755.60 24.18% Other Income 355.42 398.86 -10.89% 35
Slide 10: Financial Highlights - Balance Sheet
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 & 44.62% 972.03 672.14 Short Notice Investments 26,724.08 26,738.80 -0.06% Advances 85,101.10 81,809.63 4.02
Slide 11: Financial Highlights - Key Financial Ratios
Financial Highlights Key Financial Ratios Particulars Q1FY27 Q4FY26 Q-o-Q Q1FY26 Y-o-Y Gross NPA 2.58% 2.78% -20 bps 3.46% -88 bps Net NPA 0.87% 0.98% -11 bps 1.44% -57 bps CASA Ratio 32.42% 33.61% -119 bps 30.84% 158 bps NIM 3.20% 3.07% 13 bps 2.82% 38 bps ROA 1.29% 1.27% 2 bps 0.97% 32 bps ROE 12.
Slide 12: Profitability
Profitability Operating Revenue (INR Cr.) 1 Other Income (INR Cr.) 1403 4,618 4,580 4,522 1319 1270 190 277 151 149 97 124 120 137 78 358 399 355 11 343 302 66 1,242 1,294 43 48 1,114 1,071 1,094 77 69 31 27 13 37 27 28 24 37 35 840 902 927 242 206 197 283 256 FY24 FY25 FY26 Q1 FY26 Q2 FY26 Q3 FY26
Slide 13: Profitability
Profitability Net Interest Margin Non-Interest Income to Total Income 3.52% 3.20% 15.02% 13.71% 13.59% 13.68% 13.61% 12.98% 3.19% 3.07% 12.35% 11.98% 2.92% 2.88% 2.82% 2.72% FY24 FY25 FY26 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Return on Equity Return on
Slide 14: Provision
Provision Provision Break-up (INR Cr.) For the Quarter For the Year Particulars Q1 FY 27 Q1 FY 26 Q4 FY 26 FY 26 Provision for Non-Performing Advances 25.64 117.59 82.51 309.61 Provision for Standard Advances 4.07 5.25 6.59 10.08 Provision for Others etc. (1.01) (12.04) 1.24 (3.62) Sub-total 28.70 1
Slide 15: Liability Profile
Liability Profile Deposit Profile (INR Cr.) 1,08,779 1,08,779 1,10,396 1,04,807 1,03,242 1,02,817 1,04,112 97,988 28,779 28,779 28,675 26,187 25,925 25,782 26,667 25,112 7,094 7,781 5,910 6,100 6,162 7,781 7,112 6,181 66,695 71,526 72,219 71,407 70,935 71,283 72,219 74,609 FY24 FY25 FY26 Q1 FY26 Q2
Slide 16: Advances Profile
Advances Profile Gross Advances Profile 1 (INR Cr.) 83,340 83,340 86,610 77,959 77,283 73,002 74,267 73,644 30% 30% 29% 27% 24% 28% 28% 26% 19% 19% 20% 23% 23% 21% 20% 26% 50% 51% 53% 53% 52% 51% 51% 46% FY24 FY25 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Retail Mid Corporate Large Corporate 1 Re
Slide 17: Advances Disbursement
Advances Disbursement Retail Sectoral Loan Disbursement (INR Cr.) FY27 FY26 Particulars Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Amount Amount Amount Amount Amount Retail 6,916 7,903 6,558 5,080 5,025 A. Agri 494 438 501 288 317 B. Gold 3,674 4,614 3,904 2,723 2,988 i. Gold (Agri) 2,378 2,953 2,631 1,472
Slide 18: Investments
Investments Investments [excl. RIDF] (INR Cr.) Portfolio Mix 26,599 26,753 26,739 26,724 18% 25,523 AFS+HFT+FVTPL+SUB Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 82% HTM Adjusted Yield on Investment % Modified Duration AFS+HFT+FVTPL HTM TOTAL 7.28% 6.95% 6.80% 6.74% 6.50% 4.74 4.52 4.56 Jun-25 Sep-25 Dec-25
Slide 19: Asset Quality
Asset Quality GNPA NNPA 3.53% 3.08% 2.78% 3.46% 3.33% 3.32% 2.78% 2.58% 1.58% 1.31% 0.98% 1.44% 1.35% 1.31% 0.98% 0.87% FY24 FY25 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Slippage Ratio Recoveries (excluding upgraded accounts) (INR Cr.) 193
Slide 20: Asset Quality
Asset Quality Non-Performing Assets Breakup (% of Sector Portfolio) Sectors Jun-26 Mar-26 Dec-25 Sep-25 Jun-25 MSME 6.65% 7.22% 7.85% 7.96% 7.71% Agriculture 3.08% 3.61% 4.53% 4.68% 4.77% Housing 1.92% 1.96% 2.35% 2.45% 2.53% Infra 0.34% 0.35% 0.42% 1.50% 1.42% NBFC - - - - - Large enterprises 1.90%
Slide 21: Asset Quality - Movement of NPA
Asset Quality Movement of NPA Quarter ended Year ended Particular (INR Cr.) Q1FY27 Q1FY26 Q4FY26 FY 26 Opening Gross NPA 2,320.93 2,402.08 2,565.31 2,402.08 Additions 113.71 401.29 147.59 1,131.35 Sub Total ( A ) 2,434.64 2,803.37 2,712.90 3,533.43 Slippage ratio (%) 0.14 0.53 0.20 1.50 Reduction Up
Slide 22: Asset Quality - GNPA & Standard Restructured Assets
Asset Quality GNPA & Standard Restructured Assets (INR Cr.) Standard Restructured (incl. Related Accounts) 5.7% 4.4% 3.8% 4.7% 4.6% 4.4% 3.8% 3.5% Q4 FY2026 Q1 FY2027 MSME 10.1% MSME 9.8% Agriculture 2.4% Agriculture 2.5% Others 36.6% Others 36.3% 4,157 3,397 3,459 3,392 3,433 3,127 3,127 2,996 2,57
Slide 23: Efficiency Ratio
Efficiency Ratio Cost to Income Ratio Product Per Customer (PPC) 58.05% 58.93% 58.72% 60.11% 55.14% 56.34% 50.47% 1.233 53.15% 1.224 1.222 1.224 1.217 1.217 1.216 1.202 FY24 FY25 FY26 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Business per Employee (INR Cr.)
Slide 24: Key Ratios
Key Ratios Capital Adequacy Ratio Risk Weighted Assets (INR Cr.) 20.8% 21.1% 53.9% 50.9% 51.6% 50.2% 49.5% 51.1% 51.6% 50.0% 19.9% 20.1% 20.5% 19.9% 20.1% 18.0% 1.6% 1.5% 1.2% 1.5% 1.5% 1.5% 1.4% 66,685 66,685 65,236 1.8% 62,533 61,543 59,849 58,769 61,463 18.4% 18.5% 18.9% 19.3% 18.4% 18.7% 19.9% 1
Slide 25: Employee Strength
Employee Strength Employee Strength No. of Employees as on No. of Employees as on Cadre 30.06.2026 31.03.2026 Male Female Total Male Female Total Executives 273 14 287 280 15 295 Officers 3256 896 4152 3296 904 4,200 Customer Service Associates 1606 1562 3168 1617 1568 3,185 Office Assistants & Hous
Slide 26: Shareholder Value
Shareholder Value Shareholding Pattern Market Capitalisation HUFs, LLPs & Trusts, Others Foreign Institutions 2.7% 0.4% 13.1% Domestic Institutions 10,340 1.2% 7,897 8,435 7,771 8,435 6,646 7,399 6,514 Mutual Funds 8.6% Insurance Companies 5.9% Indian Public 57.5% Mar-24 Mar-25 Mar-26 Jun-25 Sep-25
Slide 27: Accelerating our Transformation Journey
Accelerating our Transformation Journey Banking with Legacy, Embracing the Future 26
Slide 28: Targeted Performance
Targeted Performance Cost to Income %: 52.0% - 55.0% Manage Operating Expenses NNPA: 0.6% - 0.8% Enhance Asset Quality ROA %: CASA %: 1.1% - 1.35% ~ 34.0% Effective Capital Allocation Stable Source of Funding NIM %: 3% - 3.4% Consistent Interest Margins CD Ratio 79.0% - 80.0% Consolidation of financ
Slide 29: Products
Products Building a Comprehensive Portfolio of Products Customer-centric approach for creating products Leverage Cross-sell & Up-sell opportunities Comprehensive product suite Pipeline of products for continuous growth Retail Agriculture MSME Retail loans Liability Products ADC Channels Agri Schemes
Slide 30: Digital and Technology - Digital Touchpoints
Digital and Technology Digital Touchpoints 32,53,307 7,11,538 55,50,472 Mobile App Installations Net Banking Users Debit Cards 1,48,697 1,469 QR related metrics ATM Networks 29
Slide 31: Digital and Technology - Pillars of Digital Initiatives
Digital and Technology Pillars of Digital Initiatives - Overview 1 2 3 4 5 Strategic Enterprise Leveraging AI Digitization Partnerships Transformation Data Acceleration Reengineering the tech Integrating AI into Transforming core Forging collaborative Activating data-driven stack for processes to dr
Slide 32: Digital and Technology - Projects in Focus
Digital and Technology Pillars of Digital Initiatives – Projects in Focus Future Focus In Focus (Projects in Progress) • Digital Finance for Tobacco farmers • CKYC based onboarding Digitization • Digital Current Accounts • Digital FD • Interest Bearing Credit Lines on UPI Strategic • Interest free C
Slide 33: Digital and Technology - Awards
Digital and Technology Awards Bank won an award for Best Product Customization in Finacle for Credit Line on UPI Bank won two prestigious awards at “The Great Indian BFSI & Fintech Awards 2026” Bank won two prestigious awards at the ▪ The Great Indian BFSI Product Innovation of the year 2026 for Cre
Slide 34: Our Strengths and Competencies
Our Strengths and Competencies Banking with Legacy, Embracing the Future 33
Slide 35: Driving Excellence in Proven Core Competencies
Driving Excellence in Proven Core Competencies Consistent Emphasis on our Strength Areas Our Legacy Building on Our Legacy ▪ Tradition with Innovation 14 Mn ▪ Outbound Sales Culture Happy customers ▪ Startup-like Agility 100+ Year Legacy 32.1% 46.62% ▪ Capitalise on community network ▪ MSME and Rura
Slide 36: Diversified Offerings with Established Brand Equity
Driving Excellence in Proven Core Competencies Diversified Offerings with Established Brand Equity Retail and Personal Banking Agriculture Banking MSME ▪ Housing ▪ Agriculture & allied activities ▪ Working capital finance for traders & ▪ Loans against property ▪ Farm development manufacturing indust
Slide 37: Key Capabilities in Government Business
Driving Excellence in Proven Core Competencies Key Capabilities in Place to Leverage Opportunities in the Government Business Focused to be one of the top Govt. collection Banks Central Government and Statutory Business State, Investor and Institutional Business Agency Bank Khajane-II (Karnataka) Em
Slide 38: Strong Geographical Footprint
Driving Excellence in Proven Core Competencies Strong Geographical Footprint Steady Growth in Locations Served 7 4 2 9 22 1 10 12 2 976 1,469 1 Branches ATM and Recyclers 3 17 7 20 5 Presence Across All Tiers 10 59 Top 5 States Rural 30 Karnataka 626 24.1% Metro 27.8% Maharashtra 59 7 45 626 Total T
Slide 39: Disclaimer
Disclaimer This presentation has been prepared by Karnataka Bank (the “Bank”) solely for providing information about the Bank. This presentation is confidential and may not be copied or disseminated, in whole or part, in any manner. This presentation has been prepared by the Bank based on informatio