Karnataka Bank Ltd. · NSE:KTKBANK
Karnataka Bank — The Karnataka Bank — Q4 FY26 Earnings Presentation
42 slides from Karnataka Bank's earnings presentation, May 19, 2026
Slide 1: Karnataka Bank Ltd. exchange submission letter
Karnataka Bank Ltd. Your Family Bank, Across India Regd. & Head Office Phone : 0824-2228183 P. B. No.599, Mahaveera Circle E-Mail : comsec@ktkbank.com Kankanady Website : www.karnatakabank.bank.in Mangaluru – 575 002 CIN : L85110KA1924PLC001128 SECRETARIAL DEPARTMENT HO:SEC:35:2026-27 Date: 19.05.20
Slide 2: Investor Presentation Q4 FY26
INVESTOR PRESENTATION Q4 FY26 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 Q4FY26
Key Parameters for Q4FY26 Managing transitions to achieve stability and sustainable growth… Deposits and Advances Profitability Metrics Asset Quality Gross Advances1 8% INR cr. 77,283 cr. 83,340 cr. 2,220 2,257 3.32% 4% 2.78% (In Retail, Agri & MSME) 1,428 1,414 28,131 32,143 792 843 1.31% 11,766 0.
Slide 5: Q4 FY26 Performance at a Glance
Q4 FY26 Performance at a Glance Q4FY26 INR cr. Assets Gross Advances Retail Advances1 Deposits CASA • The Bank’s Gross Advances 83,340 42,398 1,08,779 36,560 recorded an 8% QoQ growth, increasing from Rs. 77,283 cr. to 8% QoQ 5% QoQ 4% QoQ 11% QoQ Rs. 83,340 cr. 4% QoQ In Retail, Agri & MSME 2% QoQ
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 Raghavendra S Bhat CA B R Ashok Part Time Chairman, Independent MD & CEO Non-Executive Director Director 38 years at Karnataka Bank Chartered Accountant with over 40 Former MD, State Bank of Indi
Slide 7: Experienced Management Team
Experienced Management Team Strengthening of Management, making the Organization Future Ready Raghavendra S Bhat Raja B. S. Chandra Shekar MD & CEO Chief Operating Officer (COO) Chief Business Officer (CBO) 38 years at Karnataka Bank 35 years at Karnataka Bank 30 years at Karnataka Bank Vinaya Bhat
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 Q4FY26 Q3FY26 Q-o-Q % Q4FY25 Y-o-Y % 2,257.32 2,220.05 1.68% 2,258.46 -0.05% Interest Income 1,414.37 1,427.99 -0.95% 1,477.78 -4.29% Interest Expense Net Interest Income 842.95 792.06 6.43% 780.68 7.98% Other Income 398.86 302.30 31.94% 428
Slide 10: Financial Highlights: Balance Sheet
Financial Highlights Balance Sheet Particulars As on 31-03-2026 As on 31-03-2025 Y-o-Y % Property & Assets Cash & Balance With RBI 7,063.49 7,525.13 -6.13% Balance With Banks & Money At Call & 672.14 458.58 46.57% Short Notice Investments 26,738.80 24,536.51 8.98% Advances 81,809.63 76,541.48 6.88%
Slide 11: Financial Highlights: Key Financial Ratios
Financial Highlights Key Financial Ratios Particulars Q4FY26 Q3FY26 Q-o-Q Q4FY25 Y-o-Y Gross NPA 2.78% 3.32% -54 bps 3.08% -30 bps Net NPA 0.98% 1.31% -33 bps 1.31% -33 bps CASA Ratio 33.61% 31.53% 208 bps 31.75% 186 bps NIM % 3.07% 2.92% 15 bps 2.98% 9 bps ROA 1.27% 0.92% 35 bps 0.81% 46 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 78 428 399 48 358 343 1,242 11 69 302 66 1,209 1,114 1,071 1,094 52 77 43 13 39 31 27 37 28 37 35 840 902 927 289 242 206 197 283 FY24 FY25 FY26 Q4 FY25 Q1 FY26 Q2 FY26
Slide 13: Profitability
Profitability Net Interest Margin Non-Interest Income to Total Income 3.52% 15.94% 15.02% 3.07% 13.71% 13.59% 13.68% 13.61% 2.98% 12.35% 3.19% 2.92% 11.98% 2.82% 2.72% 2.88% FY24 FY25 FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY24 FY25 FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Return on Equity Return on
Slide 14: Provision
Provision Provision Break-up (INR Cr.) For the Quarter For the Year Particulars Q4 FY 26 Q4 FY 25 Q3 FY 26 FY 26 FY 25 Provision for Non-Performing Advances 82.51 41.03 86.38 309.61 282.32 Provision for Standard Advances 6.59 (13.37) 6.37 10.08 (105.94) Provision for Others etc. 1.24 3.42 2.11 (3.62
Slide 15: Liability Profile
Liability Profile Deposit Profile (INR Cr.) 1,04,807 1,08,779 1,04,807 1,04,112 1,08,779 1,03,242 1,02,817 97,988 26,187 28,779 26,187 26,667 28,779 25,925 25,782 25,112 7,094 7,781 7,094 5,910 6,100 6,162 7,781 6,181 66,695 71,526 72,219 71,526 71,407 70,935 71,283 72,219 FY24 FY25 FY26 Q4 FY25 Q1
Slide 16: Advances Profile
Advances Profile Gross Advances Profile 1 (INR Cr.) 83,340 83,340 77,959 77,959 77,283 73,002 74,267 73,644 27% 30% 27% 30% 24% 26% 28% 28% 23% 19% 23% 23% 20% 19% 21% 26% 50% 51% 50% 53% 53% 52% 51% 46% FY24 FY25 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Retail Mid Corporate Large Corporate 1 Re
Slide 17: Advances Disbursement
Advances Disbursement Retail Sectoral Loan Disbursement (INR Cr.) FY26 FY25 Particulars Q4FY26 Q3FY26 Q2FY26 Q1FY26 Q4FY25 Amount Amount Amount Amount Amount Retail 7,903 6,558 5,080 5,025 5,647 A. Agri 438 501 288 317 206 B. Gold 4,614 3,904 2,723 2,988 3,265 i. Gold (Agri) 2,953 2,631 1,472 1,893
Slide 18: Investments
Investments Investments [excl. RIDF] (INR Cr.) Portfolio Mix 26,599 26,753 26,739 18% 24,537 25,523 AFS+HFT+FVTPL+SUB Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 82% HTM Adjusted Yield on Investment % Modified Duration AFS+HFT+FVTPL HTM TOTAL 7.24% 4.57 4.50 4.51 6.74% 6.95% 6.80% 6.74% Mar-25 Jun-25 Sep-25
Slide 19: Asset Quality
Asset Quality GNPA NNPA 3.53% 3.08% 2.78% 3.46% 3.33% 3.32% 3.08% 2.78% 1.58% 1.31% 0.98% 1.31% 1.44% 1.35% 1.31% 0.98% FY24 FY25 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 FY24 FY25 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Slippage Ratio Recoveries (excluding upgraded accounts) (INR Cr.) 193
Slide 20: Asset Quality
Asset Quality Non-Performing Assets Breakup (% of Sector Portfolio) Sectors Mar-26 Dec-25 Sep-25 Jun-25 Mar-25 MSME 7.22% 7.85% 7.96% 7.71% 6.88% Agriculture 3.61% 4.53% 4.68% 4.77% 4.18% Housing 1.96% 2.35% 2.45% 2.53% 2.19% Infra 0.35% 0.42% 1.50% 1.42% 0.32% NBFC - - - - - Large enterprises 2.28%
Slide 21: Asset Quality: Movement of NPA
Asset Quality Movement of NPA Quarter ended Year ended Particular (INR Cr.) Q4FY26 Q4FY25 Q3FY26 FY 26 FY25 Opening Gross NPA 2,565.31 2,419.06 2,453.10 2,402.08 2,578.42 Additions 147.59 254.92 333.28 1,131.35 1,206.77 Sub Total ( A ) 2,712.90 2,673.98 2,786.38 3,533.43 3,785.19 Slippage ratio (%)
Slide 22: Asset Quality: Standard Restructured
Asset Quality Standard Restructured (incl. Related Accounts) GNPA & Standard Restructured Assets (INR Cr.) 5.7% 4.4% 3.8% 4.4% 4.7% 4.6% 4.4% 3.8% Q3 FY2026 Q4 FY2026 MSME 10.4% MSME 10.1% Agriculture 2.3% Agriculture 2.4% Others 37.2% Others 36.6% 4,157 3,397 3,397 3,459 3,392 3,433 3,127 3,127 2,5
Slide 23: Efficiency Ratio
Efficiency Ratio Cost to Income Ratio Product Per Customer (PPC) 60.11% 68.98% 56.34% 1.224 53.20% 1.222 1.224 58.05% 58.93% 58.72% 1.217 1.217 1.217 1.216 50.47% 1.202 FY24 FY25 FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY24 FY25 FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Business per Employee (INR Cr.)
Slide 24: Key Ratios
Key Ratios Capital Adequacy Ratio Risk Weighted Assets (INR Cr.) 20.8% 53.9% 50.9% 51.6% 50.9% 50.2% 49.5% 51.1% 51.6% 19.9% 20.1% 19.9% 20.5% 19.9% 20.1% 18.0% 1.5% 1.6% 1.5% 1.5% 1.4% 1.5% 1.5% 66,685 66,685 1.8% 62,533 61,543 61,543 59,849 58,769 61,463 18.4% 18.5% 18.4% 18.9% 19.3% 18.4% 18.7% 1
Slide 25: Employee Strength
Employee Strength Employee Strength No. of Employees as on No. of Employees as on No. of Employees as on Cadre 31.03.2026 31.12.2025 31.03.2025 Male Female Total Male Female Total Male Female Total Executives 280 15 295 259 14 273 275 17 292 Officers 3296 904 4,200 3,316 899 4,215 3,214 797 4,011 Cu
Slide 26: Shareholder Value
Shareholder Value Shareholding Pattern Market Capitalisation HUFs, LLPs & Trusts, Others Foreign Institutions 2.7% 0.4% 11.8% 7,897 8,435 8,435 Domestic Institutions 7,399 7,771 1.0% 6,646 6,514 Mutual Funds 8.3% Insurance Companies 6.9% Indian Public 59.2% Body Corporate 7.2% Mar-24 Mar-25 Mar-26 J
Slide 27: Accelerating our Transformation Journey
Accelerating our Transformation Journey Banking with Legacy, Embracing the Future 26
Slide 28: Targeted vs Actual Performance
Targeted vs Actual Performance Cost to Income %: 53.0% - 56.0% Manage Operating Expenses Actual: 56.34% NNPA: 1% - 1.2% Enhance Asset Quality Actual: 0.98% ROA %: CASA %: 1.1% - 1.2% 30.0% - 32.0% Effective Capital Allocation Stable Source of Funding Actual: 1.05% Actual: 33.61% NIM %: 3% - 3.3% Con
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 40,79,860 7,01,709 55,75,340 Mobile App Installations Net Banking Users Debit Cards 1.73% QoQ 2.58% QoQ (0.73%) QoQ 1,44,404 1,474 QR related metrics ATM Networks 2.97% QoQ 0.27% QoQ 29
Slide 31: Digital and Technology: Moving towards a Digital-First Bank
Digital and Technology Moving towards a Digital-First Bank Creating a disruptive ”Bank within a Bank” Our Objectives Infrastructure to Meet Our Objectives Centralized Data Platform for streamlined Increase in Customer Base Regulatory and Business Reporting Leveraging Cloud for AI and Analytics capab
Slide 32: Digital and Technology: Scalable and Reliable Architecture
Digital and Technology Scalable and Reliable Architecture Embedding data & analytics in business processes for data-driven decision making Foundation of Architecture Integration with the Business Impact on the Business First-in-class scalable central data Retail Loan Propensity repository on cloud w
Slide 33: Digital and Technology: Analytics Factory
Digital and Technology Best in class Analytics Factory: 360day PitStop Business Dashboards Driving Agility and Precision in Decisions Business Systems ensuring New Insights have Rails for Outcomes Enhanced CASA Third-Party Products sales Forecasting Dashboard Collection Efficiency Dashboard Branch P
Slide 34: Our Strengths and Strategies
Our Strengths and Strategies Banking with Legacy, Embracing the Future 33
Slide 35: Strategic Roadmap
Strategic Roadmap Creating a Strengthening Financial A Performance-Driven C Position to Create Culture Long-Term Value Delivering Excellence in Digitalisation and Core Businesses with Partnership to Underlying Technology Rebuild Outward-Facing, Accelerate Book Growth Transformative steps Platform le
Slide 36: Driving Excellence in Proven Core Competencies
Driving Excellence in Proven Core Competencies A. 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 31.9% 46.56% ▪ Capitalise on community network ▪ MSME and R
Slide 37: Diversified Offerings with Established Brand Equity
Driving Excellence in Proven Core Competencies A. 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 ind
Slide 38: Key Capabilities in Government Business
Driving Excellence in Proven Core Competencies A. 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)
Slide 39: Strong Geographical Footprint
Driving Excellence in Proven Core Competencies A. Strong Geographical Footprint Steady Growth in Locations Served 7 4 2 9 22 1 10 12 2 975 1,474 1 Branches ATM and Recyclers 3 17 7 20 5 Presence Across All Tiers 10 59 Top 5 States Rural 30 Karnataka 625 24.0% Metro 27.8% Maharashtra 59 7 45 625 Tota
Slide 40: Creating a Performance Driven Culture
Creating a Performance Driven Culture B. Rebuild Outward-Facing, Business-Centric Teams Outbound sales team and “Feet on the Street” for growing 205 Sales Officers and 149 Feet on Ground present for business covering key markets and target segments Better control and oversight to create a more sales
Slide 41: Digitalisation Propelling Robust Book Growth
Digitalisation Propelling Robust Book Growth C. Foundation in place to Drive Next Leg of Digital Innovation ▪ Live with CRM: Integration of customer data and interactions across Marketing and Sales department State-of-the-art ‘Technology, Digital & ▪ Enhance customer engagement and improve Product H
Slide 42: 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