Karnataka Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

8,917.83

9,013.60

8,298.50

7,220.23

6,221.66

6,232.41

6,474.77

Income On Investments

1,642.76

1,466.22

1,500.18

1,422.35

1,310.12

1,142.35

1,160.13

Interest On Balances With Rbi Other Inter Bank Funds

46.50

41.37

18.06

1.58

31.89

29.98

44.60

Interest / Discount On Advances / Bills

6,681.05

7,009.38

6,524.78

5,584.91

4,737.88

4,937.29

5,155.84

Others

547.52

496.63

255.48

211.39

141.77

122.79

114.20

Other Income

1,402.89

1,269.52

1,318.92

992.58

953.88

1,404.21

1,261.63

Total Income

10,320.72

10,283.12

9,617.42

8,212.81

7,175.54

7,636.62

7,736.40

Interest Expended

5,799.10

5,703.22

4,999.78

4,035.13

3,730.63

4,049.23

4,444.41

Net Interest Income

3,118.73

3,310.38

3,298.72

3,185.10

2,491.03

2,183.18

2,030.36

Total Expenditure (Excl Depreciation)

2,547.45

2,752.86

2,454.33

1,969.45

1,810.91

1,679.11

1,635.22

Employee Cost

1,297.80

1,538.40

1,372.84

1,069.19

1,014.95

913.30

897.00

Other Operating Expenses

1,249.65

1,214.46

1,081.49

900.26

795.96

765.81

738.22

Operating Profit Before Provisions and Contingencies

1,974.17

1,827.04

2,163.31

2,208.23

1,634.00

1,908.28

1,656.77

Exceptional Items

0.00

Provisions and contingencies

316.07

186.44

600.58

767.19

939.44

1,296.35

1,134.74

Profit Before Tax

1,658.10

1,640.60

1,562.73

1,441.04

694.56

611.93

522.03

Tax

347.60

368.23

256.45

260.80

185.94

129.36

90.25

Profit After Tax

1,310.50

1,272.37

1,306.28

1,180.24

508.62

482.57

431.78

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,310.50

1,272.37

1,306.28

1,180.24

508.62

482.57

431.78

Face Value

10.0

Reserves

12,265.85

11,208.17

9,966.42

7,390.57

6,324.61

5,866.14

5,189.49

Earnings per share (EPS)

34.65

33.67

34.63

37.79

16.35

15.52

13.89

Diluted Earnings per share

34.6

33.61

39.66

37.66

16.29

15.48

13.89

Operating Profit Margin (Excl OI)

67.89%

67.39%

63.19%

62.1%

55.79%

52.26%

57.22%

Gross Profit Margin

18.59%

18.2%

18.83%

19.96%

11.16%

9.82%

8.06%

PAT Margin

14.7%

14.12%

15.74%

16.35%

8.17%

7.74%

6.67%

Net Interest Margin

2.88%

3.19%

3.51%

3.7%

3.18%

2.91%

2.84%

Return on Assets

0.0%

CASA (%)

33.61%

31.75%

31.97%

32.97%

31.49%

28.91%

CASA Amount

36,560.00

33,281.00

31,293.00

0.00

Capital Adequacy Ratio (Total)

20.07%

19.85%

18.0%

17.45%

15.66%

14.85%

12.88%

Capital Adequacy Ratio (Tier 1)

18.7%

18.4%

16.17%

14.18%

12.65%

12.34%

10.66%

Provision Coverage Ratio (%)

83.54%

81.42%

79.22%

80.86%

73.47%

69.99%

64.7%

Amount of Gross NPAs

2,320.93

2,402.08

2,578.42

2,292.91

2,250.82

2,588.41

2,799.93

Amount of Net NPAs

803.22

1,004.55

1,129.18

1,021.27

1,376.97

1,645.05

1,755.01

% of Net NPAs

0.98%

1.31%

1.58%

1.7%

2.42%

3.19%

3.08%

% of Gross NPAs

2.78%

3.08%

3.53%

3.74%

3.9%

4.91%

4.82%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1474.0

1516.0

1504.0

1187.0

885.0

1001.0

1026.0

Number of Branches

975.0

952.0

925.0

901.0

877.0

858.0

848.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is -1.06% vs 8.62% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 3.00% vs -2.60% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 8.05% vs -15.54% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.33% vs -0.27% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.30% vs -0.45% in Mar 2025

Compare Annual Results Of Karnataka Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

8,917.83

9,846.50

-928.67

-9.43%

Income On Investments

1,642.76

1,789.48

-146.72

-8.2%

Interest On Balances With Rbi Other Inter Bank Funds

46.50

209.29

-162.79

-77.78%

Interest / Discount On Advances / Bills

6,681.05

7,756.91

-1,075.86

-13.87%

Others

547.52

90.82

456.70

502.86%

Other Income

1,402.89

2,009.49

-606.60

-30.19%

Total Income

10,320.72

11,855.99

-1,535.27

-12.95%

Interest Expended

5,799.10

6,409.14

-610.04

-9.52%

Net Interest Income

3,118.73

3,437.36

-318.63

-9.27%

Total Expenditure (Excl Depreciation)

2,547.45

3,073.48

-526.03

-17.12%

Employee Cost

1,297.80

1,620.70

-322.90

-19.92%

Other Operating Expenses

1,249.65

1,452.78

-203.13

-13.98%

Operating Profit Before Provisions and Contingencies

1,974.17

2,373.37

-399.20

-16.82%

Exceptional Items

0.00

Provisions and contingencies

316.07

417.33

-101.26

-24.26%

Profit Before Tax

1,658.10

1,956.04

-297.94

-15.23%

Tax

347.60

500.90

-153.30

-30.6%

Profit After Tax

1,310.50

1,455.14

-144.64

-9.94%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,310.50

1,455.14

-144.64

-9.94%

Face Value

10.00

1.00

0.00

Reserves

12,265.85

10,828.42

1,437.43

13.27%

Earnings per share (EPS)

34.65

5.56

29.09

523.2%

Diluted Earnings per share

34.60

5.55

29.05

523.42%

Operating Profit Margin (Excl OI)

67.89%

64.55%

0.00

3.34%

Gross Profit Margin

18.59%

19.87%

0.00

-1.28%

PAT Margin

14.70%

14.78%

0.00

-0.08%

Net Interest Margin

2.88%

0.00%

2.88

2.88%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

33.61%

32.12%

1.49

1.49%

CASA Amount

36,560.00

39,621.00

-3,061.00

-7.73%

Capital Adequacy Ratio (Total)

20.07%

19.66%

0.41

0.41%

Capital Adequacy Ratio (Tier 1)

18.70%

18.76%

-0.06

-0.06%

Provision Coverage Ratio (%)

83.54%

94.10%

-10.56

-10.56%

Amount of Gross NPAs

2,320.93

1,430.50

890.43

62.25%

Amount of Net NPAs

803.22

287.93

515.29

178.96%

% of Net NPAs

0.98%

0.29%

0.69

0.69%

% of Gross NPAs

2.78%

1.43%

1.35

1.35%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,474.00

1,273.00

201.00

15.79%

Number of Branches

975.00

948.00

27.00

2.85%

Annual - Interest Earned

Interest Earned 8917.83 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -1.06% vs 8.62% in Mar 2025

Annual - Net Profit

Net Profit 1,310.50 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 3.00% vs -2.60% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,974.17 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 8.05% vs -15.54% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.98%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.33% vs -0.27% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.78%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.30% vs -0.45% in Mar 2025