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Karnataka Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE614B01018
  • NSEID: KTKBANK
  • BSEID: 532652
INR
213.30
0.5 (0.23%)
BSENSE

Dec 05

BSE+NSE Vol: 50.3 lacs

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stock-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
4,440.46
4,512.12
3,985.33
3,400.13
3,077.78
3,219.42
3,214.01
Income On Investments
795.85
739.03
733.20
693.10
650.83
551.15
575.71
Interest On Balances With Rbi Other Inter Bank Funds
30.87
18.11
12.97
1.19
19.52
15.34
29.85
Interest / Discount On Advances / Bills
3,371.02
3,485.09
3,135.26
2,630.53
2,331.06
2,592.66
2,568.00
Others
242.72
269.89
103.90
75.31
76.37
60.27
40.45
Other Income
701.73
548.93
573.43
392.83
500.53
774.15
482.73
Total Income
5,142.19
5,061.05
4,558.76
3,792.96
3,578.31
3,993.57
3,696.74
Interest Expended
2,956.74
2,775.20
2,348.24
1,909.84
1,865.89
2,109.43
2,220.70
Net Interest Income
1,483.72
1,736.92
1,637.09
1,490.29
1,211.89
1,109.99
993.31
Total Expenditure (Excl Depreciation)
1,278.12
1,266.90
1,087.20
892.52
814.86
781.25
712.60
Employee Cost
657.62
669.77
599.73
440.85
444.49
406.27
340.10
Other Operating Expenses
620.50
597.13
487.47
451.67
370.37
374.98
372.50
Operating Profit Before Provisions and Contingencies
907.33
1,018.95
1,123.32
990.60
897.56
1,102.89
763.44
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
130.87
71.59
271.44
349.06
705.03
756.62
463.54
Profit Before Tax
776.46
947.36
851.88
641.54
192.53
346.27
299.90
Tax
164.94
210.96
150.92
115.73
-39.16
30.45
18.57
Profit After Tax
611.52
736.40
700.96
525.81
231.69
315.82
281.33
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
611.52
736.40
700.96
525.81
231.69
315.82
281.33
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
16.17
19.5
22.4
16.89
7.45
10.16
9.05
Diluted Earnings per share
16.15
19.45
22.29
16.83
7.42
10.16
8.23
Operating Profit Margin (Excl OI)
68.27%
70.34%
65.91%
63.48%
50.62%
52.23%
63.41%
Gross Profit Margin
17.49%
21.0%
21.38%
18.87%
6.26%
10.76%
9.33%
PAT Margin
13.77%
16.32%
17.59%
15.46%
7.53%
9.81%
8.75%
Net Interest Margin
0.0%
3.38%
3.63%
3.56%
3.15%
2.99%
2.8%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
31.01%
30.82%
31.91%
32.82%
30.88%
29.17%
27.41%
CASA Amount
31,882.00
30,756.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
20.84%
17.58%
16.2%
15.28%
14.48%
13.08%
12.64%
Capital Adequacy Ratio (Tier 1)
19.3%
15.93%
13.11%
12.34%
11.98%
11.08%
10.64%
Provision Coverage Ratio (%)
81.05%
80.14%
83.22%
79.97%
71.75%
75.44%
59.19%
Amount of Gross NPAs
2,453.10
2,414.92
2,324.19
2,051.70
2,501.12
2,188.80
2,594.27
Amount of Net NPAs
975.96
1,083.08
888.94
1,028.47
1,546.26
1,194.60
1,863.11
% of Net NPAs
1.35%
1.46%
1.36%
1.72%
2.84%
2.21%
3.48%
% of Gross NPAs
3.33%
3.21%
3.47%
3.36%
4.5%
3.97%
4.78%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1488.0
1505.0
1480.0
1456.0
952.0
1016.0
1084.0
Number of Branches
955.0
931.0
903.0
880.0
857.0
859.0
840.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is -1.59% vs 13.22% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is -16.96% vs 5.06% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is -10.95% vs -9.29% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is -0.11% vs 0.10% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is 0.12% vs -0.26% in Sep 2024

Compare Half Yearly Results Of Karnataka Bank With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
4,440.46
2,799.63
1,640.83
58.61%
Income On Investments
795.85
532.82
263.03
49.37%
Interest On Balances With Rbi Other Inter Bank Funds
30.87
32.72
-1.85
-5.65%
Interest / Discount On Advances / Bills
3,371.02
2,233.56
1,137.46
50.93%
Others
242.72
0.53
242.19
45696.23%
Other Income
701.73
439.30
262.43
59.74%
Total Income
5,142.19
3,238.93
1,903.26
58.76%
Interest Expended
2,956.74
1,622.95
1,333.79
82.18%
Net Interest Income
1,483.72
1,176.68
307.04
26.09%
Total Expenditure (Excl Depreciation)
1,278.12
751.29
526.83
70.12%
Employee Cost
657.62
398.67
258.95
64.95%
Other Operating Expenses
620.50
352.62
267.88
75.97%
Operating Profit Before Provisions and Contingencies
907.33
864.69
42.64
4.93%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
130.87
28.35
102.52
361.62%
Profit Before Tax
776.46
836.34
-59.88
-7.16%
Tax
164.94
213.94
-49.00
-22.9%
Profit After Tax
611.52
622.40
-10.88
-1.75%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
611.52
622.40
-10.88
-1.75%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
16.17
39.31
-23.14
-58.87%
Diluted Earnings per share
16.15
39.31
-23.16
-58.92%
Operating Profit Margin (Excl OI)
68.27%
72.15%
0.00
-3.88%
Gross Profit Margin
17.49%
29.87%
0.00
-12.38%
PAT Margin
13.77%
22.23%
0.00
-8.46%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
31.01%
0.00%
31.01
31.01%
CASA Amount
31,882.00
0.00
31,882.00
Capital Adequacy Ratio (Total)
20.84%
29.40%
-8.56
-8.56%
Capital Adequacy Ratio (Tier 1)
19.30%
29.40%
-10.10
-10.10%
Provision Coverage Ratio (%)
81.05%
0.00%
81.05
81.05%
Amount of Gross NPAs
2,453.10
0.00
2,453.10
Amount of Net NPAs
975.96
0.00
975.96
% of Net NPAs
1.35%
0.00%
1.35
1.35%
% of Gross NPAs
3.33%
0.00%
3.33
3.33%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,488.00
0.00
1,488.00
Number of Branches
955.00
0.00
955.00
Half Yearly - Interest Earned
Interest Earned 4440.46 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -1.59% vs 13.22% in Sep 2024

Half Yearly - Net Profit
Net Profit 611.52 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -16.96% vs 5.06% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 907.33 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -10.95% vs -9.29% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 1.35%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.11% vs 0.10% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 3.33%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.12% vs -0.26% in Sep 2024

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