Karnataka Bank Ltd

- There is no explicit mention on pages 3 to 23 of any current or planned new fundraising through debt or equity by Karnataka Bank Limited. - The focus remains on internal growth strategies such as improving advances, CASA deposits, and asset quality. - Management emphasizes operational improvements, asset growth of 15%, and ROA targets rather than raising external capital. - There is no discussion on issuing new shares or debt instruments in the transcript or presentation sections available on these pages.

The provided transcript from Karnataka Bank's February 11, 2026 conference call does not explicitly mention any current or future capital expenditure (capex), capital investment, or strategic investment plans. Key points related to investments or strategic priorities include: - Focus on strengthening retail, MSME, and mid-corporate segments for asset growth. - Investment in improving operational stability and digital transformation initiatives (new products and platforms) to enhance customer experience and efficiency. - Emphasis on optimizing funding costs through CASA growth and reducing high-cost bulk deposits. - Expansion of the retail centres (15 regional centres) with delegated powers to drive growth. - Continuous efforts toward asset quality improvement, provisioning, and NPA recovery. No specific figures or details around capex or large-scale strategic investments were discussed. The focus remains on growth, operational excellence, and improving financial metrics.

- The Bank targets overall business growth of around 15% as a long-term plan. - Focused growth in advances set between 15% to 20% and liabilities between 10% to 15%. - Immediate goal: Achieve a balance sheet size of INR 84,000 to 85,000 crores by end of FY 2026. - Growth driven by retail, gold loans, MSME, mid-corporate segments, supported by strong marketing across 15 regional centres. - Continued increase in Credit-Deposit (CD) ratio toward 76%-80%. - Asset growth supported by disbursements of approximately INR 2,500 to 3,000 crores in approved facilities. - Strategic refinements and marketing plans expected by end of March to further boost growth. - Confidence in sustained growth from improved yield, recoveries, and NIM expansion. - ROA expected to improve gradually from 1.0%+ currently to 1.2%-1.3% over three years.

- The Bank targets overall business growth of around 15% in the long term, with advances growth between 15%-20% and liabilities growth between 10%-15%. - ROA is expected to exceed 1% by March 31, 2026, aiming for 1.1%-1.2% in the second year and 1.2%-1.3% in the third year. - NIM is anticipated to improve to over 3% by Q4 FY26 due to better CD ratio, CASA growth, and repricing advantages. - Cost-to-income ratio is targeted around 55%-56%, supported by recoveries and better cost control. - Provisioning coverage ratio (PCR) is continuously improving, aiming to enhance financial strength. - Recovery from technical write-offs is expected between INR 75-80 crores in Q4 FY26. - Earnings, profitability, and return ratios (ROE and ROA) are expected to improve steadily with these growth and operational initiatives.

- Karnataka Bank's advances as of the call are around INR 78,000 crores. - There are sanctioned facilities totaling approximately INR 4,000 crores under pipeline. - Estimated disbursement out of sanctioned facilities is around INR 2,500 to INR 3,000 crores. - Gold loan segment has shown strong growth with about INR 1,500 crores added after September. - The bank targets to reach a balance sheet size of INR 85,000 crores by end of FY 2026. - Strong leads and in-principle cleared proposals support this growth target. - Disbursements are ongoing monthly and expected to add to interest income in Q4 and beyond. - Growth momentum started picking up from October across housing, retail, MSME, and gold loans.