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Investor Presentaiton

Dedicated Market Intelligence Unit (MIU) for sourcing intelligence from external sources on borrowers with exposure *100 Crores and above Effective Risk Management Systems ISO 9001: 2015 Bank's Risk Management practices and processes have been accredited with the ISO 9001: 2015 standard on Quality Management Systems Periodical monitoring & reviewing of risk profile of the Bank. 02 Effective ALM/mid office to monitor Liquidity risk/ Market risk on a continuous basis. 03 Compliant with the extant 'Basel III' guidelines of RBI 04 RISKS 07 01 MANAGING 05 06 Enterprise level fraud risk management system (ELFRMS) to effectively control prevent online suspicious transactions done by customers & other digital channel transactions. 50 Internal Credit Rating for borrowers above 25 lakh and 'Pool based Approach' rating for borrowers below 25 lakh & all schematic advances including agriculture. 'KBL96' rating model developed for all sanctions under digital journey. Effective Operational risk management by: Building up a database of internal Loss data, near-miss cases and other Operational risk events, since Sept 2007. AML monitoring system to scrutinize the customer transactions to ensure compliance to the extant guidelines Karnataka Bank Ltd. Your Family Bank. Across India.
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