Karnataka Bank Ltd. · NSE:KTKBANK
Karnataka Bank — The Karnataka Bank — Q3 FY26 Earnings Presentation
43 slides from Karnataka Bank's earnings presentation, Feb 10, 2026
Slide 1: Karnataka Bank Ltd. exchange submission letter
Karnataka Bank Ltd. Your Family Bank, Across India Regd. & Head Office Phone : 0824-2228182 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: 289 :2025-26 Date: 10.02
Slide 2: Investor Presentation Q3 FY26
INVESTOR PRESENTATION Q3 FY26 Banking with Legacy, Embracing the Future
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 Q3FY26
Key Parameters for Q3FY26 Managing transitions to achieve stability and sustainable growth… Deposits and Advances Profitability Metrics Asset Quality Gross Advances1 5% INR cr. 73,644 cr. 77,283 cr. 2% 2,179 2,220 3.33% 3.32% (In Retail, Agri & MSME) 1,451 1,428 25,686 28,131 792 728 11,359 11,766 1
Slide 5: Q3 FY26 Performance at a Glance
Q3 FY26 Performance at a Glance Q3FY26 INR cr. Assets Gross Advances Retail Advances1 Deposits CASA • The Bank’s Gross Advances 77,283 40,453 1,04,112 32,829 recorded a 5% QoQ growth, increasing from Rs. 73,644 cr. to 5% QoQ 3% QoQ 1% QoQ 3% QoQ Rs. 77,283 cr. 2% QoQ In Retail, Agri & MSME 1% QoQ In
Slide 6: Q3FY26 Performance at a Glance
Q3FY26 Performance at a Glance Profitability Gross Interest Income increased by 1.9% QoQ, while Interest Expense declined by 1.6% QoQ. Consequently, Net Interest Income (NII) rose by 8.8% QoQ. Driven by the improvement in NII, the Net Interest Margin (NIM) increased to 2.92% in Q3 FY26, compared
Slide 7: 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 8: Experienced Management Team (1 / 2)
Experienced Management Team (1 / 2) 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 Vina
Slide 9: Experienced Management Team (2 / 2)
Experienced Management Team (2 / 2) Strengthening of Management, making the Organization Future Ready Vijayakumar P H Raghuram H S Chandrashekara G Chief Financial Officer (CFO) Head – Branch Banking, Products & Head - Credit Sanctions 25 years at Karnataka Bank Business Solutions Group (BSG), and [
Slide 10: Financial Highlights
Financial Highlights Banking with Legacy, Embracing the Future
Slide 11: Financial Highlights: Profit and Loss Statement
Financial Highlights Profit and Loss Statement Particulars Q3FY26 Q2FY26 Q-o-Q % Q3FY25 Y-o-Y % Interest Income 2,220.05 2,179.18 1.88% -1.02% 2,243.02 Interest Expense 1,427.99 1,451.06 -1.59% -1.53% 1,450.24 Net Interest Income 792.06 728.12 8.78% -0.09% 792.78 Other Income 302.30 343.37 -11.96% 2
Slide 12: Financial Highlights: Balance Sheet
Financial Highlights Balance Sheet Particulars As on 31-12-2025 As on 31-12-2024 Y-o-Y % Property & Assets Cash & Balance With RBI 3,689.77 4,824.72 -23.52% Balance With Banks & Money At Call & 857.27 1,012.55 -15.34% Short Notice Investments 26,752.68 22,830.89 17.18% Advances 75,699.01 76,478.64 -
Slide 13: Financial Highlights: Key Financial Ratios
Financial Highlights Key Financial Ratios Particulars Q3FY26 Q2FY26 Q-o-Q Q3FY25 Y-o-Y Gross NPA 3.32% 3.33% -1 bps 3.11% 21 bps Net NPA 1.31% 1.35% -4 bps 1.39% -8 bps CASA Ratio 31.53% 31.01% 52 bps 30.29% 124 bps NIM % 2.92% 2.72% 20 bps 3.02% -10 bps ROA 0.92% 1.03% -11 bps 0.92% - ROE 9.06% 10.
Slide 14: Profitability
Profitability Operating Revenue (INR Cr.) 1 Other Income (INR Cr.) 4,618 4,580 1319 1270 4,178 993 277 151 97 283 124 126 87 65 428 358 343 292 48 52 11 69 302 25 77 43 1,085 1,209 1,114 1,071 1,094 21 40 29 31 27 41 39 36 796 831 896 205 288 241 204 196 -151 FY23 FY24 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q
Slide 15: Profitability
Profitability Net Interest Margin Non-Interest Income to Total Income 15.94% 3.70% 3.02% 13.71% 13.68% 13.61% 2.98% 12.35% 3.52% 2.92% 12.09% 11.53% 11.98% 2.82% 3.19% 2.72% FY23 FY24 FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 FY23 FY24 FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Return on Equity Return on
Slide 16: Liability Profile
Liability Profile Deposit Profile (INR Cr.) 1,04,807 1,00,028 1,04,807 1,03,242 1,02,817 1,04,112 97,988 26,187 26,187 25,925 25,782 26,667 25,112 24,619 7,094 5,678 7,094 5,910 6,100 6,162 6,181 66,695 71,526 69,731 71,526 71,407 70,935 71,283 FY24 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Term
Slide 17: Advances
Advances Gross Advances Profile 1 (INR Cr.) 77,959 77,860 77,959 77,283 73,002 74,267 73,644 61,303 27% 28% 27% 24% 28% 28% 26% 20% 23% 23% 23% 23% 21% 20% 26% 30% 46% 50% 49% 50% 53% 53% 52% 50% FY23 FY24 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Retail Mid Corporate Large Corporate 1 Retail and
Slide 18: Advances: Retail Sectoral Loan Disbursement
Advances Retail Sectoral Loan Disbursement (INR Cr.) Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Particulars Amount Amount Amount Amount Amount Retail 5,131 5,647 5,025 5,080 6,558 A. Agri 314 206 317 288 501 B. Gold 2,761 3,265 2,988 2,723 3,904 i. Gold (Agri) 2,259 2,533 1,893 1,472 2,631 ii. Gold (Non-Agr
Slide 19: Employee Strength
Employee Strength Employee Strength No. of Employees as No. of Employees as No. of Employees as No. of Employees as Cadre on 31.03.2025 on 30.06.2025 on 30.09.2025 on 31.12.2025 Male Female1 Total Male Female1 Total Male Female1 Total Male Female1 Total Executives 275 17 292 269 17 286 266 14 280 25
Slide 20: Asset Quality
Asset Quality GNPA & NNPA Provision Coverage (Incl. & excl. TWO) 3.74% 3.53% 80.86% 79.22% 81.42% 80.64% 81.42% 81.11% 81.05% 80.90% 3.08% 3.46% 58.18% 58.18% 59.18% 60.22% 61.23% 3.33% 3.32% 55.50% 56.21% 56.03% 3.11% 3.08% 1.70% 1.58% 1.31% 1.39% 1.31% 1.44% 1.35% 1.31% FY23 FY24 FY25 Q3 FY25 Q4 F
Slide 21: Asset Quality: Restructured Portfolio
Asset Quality Restructured Portfolio GNPA & Standard Restructured Assets (INR Cr.) Standard Restructured Portfolio (incl. Related Accounts) 7.9% 5.7% 4.4% 4.5% 4.4% 4.7% 4.6% 4.4% 3.5% Others 12.6% 10.4% MSME Personal Loans 3.3% LRD 2.3% Agriculture 4,864 0.4% Infra 4,157 3,397 3,533 3,397 3,459 3,3
Slide 22: Asset Quality: Movement of NPA
Asset Quality Movement of NPA Quarterly Annual Particular (INR Cr.) Q3FY26 Q2FY26 Q3 FY25 FY 25 Opening Gross NPA 2,453.10 2,571.09 2,414.92 2,578.42 Additions 333.28 249.19 292.69 1,206.77 Sub Total ( A ) 2,786.38 2,820.28 2,707.61 3,785.19 Slippage ratio 0.47 0.35 0.40 1.71 Reduction Up-gradation
Slide 23: Asset Quality: Sector-wise Breakup Analysis
Asset Quality Sector-wise Breakup Analysis Non-Performing Assets Breakup (INR Cr.) Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Sectors NPA NPA% NPA NPA% NPA NPA% NPA NPA% NPA NPA% MSME 955 1.23% 960 1.23% 1,065 1.43% 1,131 1.54% 1,118 1.45% Agriculture 492 0.63% 533 0.68% 577 0.78% 529 0.72% 531 0.69% H
Slide 24: Efficiency Ratio
Efficiency Ratio Cost to Income Ratio Product Per Customer (PPC) 60.1% 68.98% 53.2% 60.09% 1.22 58.05% 58.93% 58.72% 1.22 1.22 47.1% 1.22 1.22 1.22 1.20 1.20 FY23 FY24 FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 FY23 FY24 FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Business per Employee (INR Cr.) Staff Cost
Slide 25: Key Ratios
Key Ratios Capital Adequacy Ratio Risk Weighted Assets (INR Cr.) 53.9% 53.9% 50.9% 54.0% 50.9% 50.2% 49.5% 51.14% 20.5% 20.8% 19.9% 19.9% 19.9% 17.5% 18.0% 17.6% 1.6% 1.5% 1.5% 1.5% 1.5% 1.8% 1.6% 62,533 61,543 63,228 61,543 59,849 61,463 3.3% 58,769 53,378 18.4% 18.4% 18.9% 19.3% 18.4% 16.2% 16.0%
Slide 26: Shareholder Value
Shareholder Value Shareholding Pattern EPS & Market Capitalisation Others 45.0 HUFs, LLPs & 0.4% Foreign Trusts, 2.4% Institutions 10,000 39.8 40.0 11.7% 37.9 Domestic Institutions 0.2% 35.0 8,000 33.7 33.5 7,771 Mutual Funds 31.0 30.5 30.0 7.7% 7,897 7,396 Insurance 6,000 6,646 6,507 25.0 Companies
Slide 27: Accelerating our Transformation Journey
Accelerating our Transformation Journey Banking with Legacy, Embracing the Future
Slide 28: Targeted Performance Improvement to Boost Returns
Targeted Performance Improvement to Boost Returns Cost to Income %: 53.0% - 56.0% Manage Operating Expenses NNPA: 1% - 1.2% Enhance Asset Quality ROA %: CASA %: 1.1% - 1.2% 30.0% - 32.0% Effective Capital Allocation Stable Source of Funding NIM %: 3% - 3.3% Consistent Interest Margins Cost of Funds:
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 40,10,294 6,91,519 56,16,804 Mobile App Installations Net Banking Users Debit Cards 1.92% QoQ 1.84% QoQ (0.58%) QoQ 1,40,229 1,470 QR related metrics ATM Networks 2.67% QoQ (1.20%) QoQ 29
Slide 31: Digital and Technology: Awards
Digital and Technology Awards Bank won 5 prestigious awards at the Annual IBA technology Awards including Best Fintech and DPI Adoption – Winner 30
Slide 32: 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 Enhanced Martech capabilities to drive Increase in Customer Base Business Outcomes Agile processes and DevSecOps practices implemented fully acro
Slide 33: 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 34: Digital and Technology: Best in class 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 Para-banking sales Forecasting Dashboard CASA Balance Buildup Dashboard Branch Productivi
Slide 35: Our Strengths and Strategies
Our Strengths and Strategies Banking with Legacy, Embracing the Future
Slide 36: 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 37: 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 33.7% 46.56% ▪ Capitalise on community network ▪ MSME and R
Slide 38: 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 39: Key Capabilities in Place 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 Empaneled as 'Agency Bank’ for Direct Tax, Goods & Service Bank has tied up with Power Finance Corporation(PFC), Rural
Slide 40: 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 2 960 1,470 1 Branches ATM and Recyclers 3 17 7 20 5 Presence Across All Tiers 10 59 Top 5 States Rural 28 Karnataka 612 23.8% Metro 27.6% Maharashtra 59 7 45 612 Tota
Slide 41: 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 229 Sales Officers and 115 Feet on Ground present for business covering key markets and target segments Better control and oversight to create a more sales
Slide 42: 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 43: 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