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Investor Presentaiton

Major Highlights Q1 FY23 Operating Profit . • 2.18% YoY growth in operating profit to Rs. 412.78 crore ⚫NIM up by 35 bps YoY to 3.33% Cost to Income Ratio up by 15 bps to 49.68% • • Deposit Growth CASA deposits increased by 12.51% YOY CASA proportion at 32.80%, up by 198 bps YoY Total deposits increased by 5.72% YOY Loan Growth · Advances grew by 13.03% YoY . Asset Quality · Provision Coverage Ratio increased further to 76.77% NPA down by 81 bps YoY to 4.03% Capital • Capital Adequacy at 15.41%, up by 83 bps YoY ROE up by 5 bps YoY to 6.39% • ROA at 0.49% Balance Sheet Size Up by 9.22% YoY to Rs.94541 crore PAT • Net profit grew by 7.63% YoY to Rs. 114.18 crore Customers & Employees • ~12 million Customers •~8,500 Employees Loan Mix · Retail 46.32% Mid Corporate 32.81% Large Corporate 20.87% Branch Mix • Metro & Urban 54% • Semi-urban & Rural 46% Branches/Outlets/Cards ⚫879 Branches • 879 ATMs • 555 E-lobbies · 4 . Digital Adoption Digital adoption at 93.04% (Internet Banking, Mobile Banking, IMPS, UPI transactions) ✡ Karnataka Bank Ltd. Your Family Bank. Across India.
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