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Karnataka Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE614B01018
  • NSEID: KTKBANK
  • BSEID: 532652
INR
214.25
1.45 (0.68%)
BSENSE

Dec 05

BSE+NSE Vol: 41.83 lacs

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stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Mar'24
Interest Earned
2,179.18
2,261.28
2,258.46
2,243.02
2,234.13
2,277.99
2,200.56
Income On Investments
406.46
389.39
380.21
346.98
356.43
382.60
383.49
Interest On Balances With Rbi Other Inter Bank Funds
22.04
8.83
4.64
18.62
13.36
4.75
0.66
Interest / Discount On Advances / Bills
1,640.79
1,730.23
1,764.96
1,759.33
1,769.77
1,715.32
1,732.67
Others
109.89
132.83
108.65
118.09
94.57
175.32
83.74
Other Income
343.37
358.36
428.23
292.36
269.92
279.01
419.41
Total Income
2,522.55
2,619.64
2,686.69
2,535.38
2,504.05
2,557.00
2,619.97
Interest Expended
1,451.06
1,505.68
1,477.78
1,450.24
1,400.57
1,374.63
1,366.53
Net Interest Income
728.12
755.60
780.68
792.78
833.56
903.36
834.03
Total Expenditure (Excl Depreciation)
631.45
646.67
833.89
652.07
643.12
623.78
753.65
Employee Cost
316.49
341.13
525.91
342.72
349.94
319.83
436.80
Other Operating Expenses
314.96
305.54
307.98
309.35
293.18
303.95
316.85
Operating Profit Before Provisions and Contingencies
440.04
467.29
375.02
433.07
460.36
558.59
499.79
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
20.07
110.80
31.08
83.77
31.33
40.26
184.73
Profit Before Tax
419.97
356.49
343.94
349.30
429.03
518.33
315.06
Tax
100.85
64.09
91.57
65.70
92.96
118.00
40.82
Profit After Tax
319.12
292.40
252.37
283.60
336.07
400.33
274.24
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
319.12
292.40
252.37
283.60
336.07
400.33
274.24
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
11,208.17
0.00
0.00
0.00
9,966.42
Earnings per share (EPS)
8.44
7.74
6.68
7.5
8.9
10.61
7.27
Diluted Earnings per share
8.43
7.72
6.66
7.49
8.87
10.57
7.84
Operating Profit Margin (Excl OI)
70.1%
66.5%
61.7%
67.19%
69.81%
70.85%
57.36%
Gross Profit Margin
19.27%
15.76%
15.23%
15.57%
19.2%
22.75%
14.32%
PAT Margin
14.64%
12.93%
11.17%
12.64%
15.04%
17.57%
12.46%
Net Interest Margin
2.72%
2.82%
2.98%
3.02%
3.23%
3.54%
3.3%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
31.01%
30.84%
31.75%
30.32%
30.82%
30.54%
31.97%
CASA Amount
31,882.00
31,835.00
33,281.00
30,297.00
30,756.00
30,589.00
31,293.00
Capital Adequacy Ratio (Total)
20.84%
20.46%
19.85%
17.64%
17.58%
17.64%
18.0%
Capital Adequacy Ratio (Tier 1)
19.3%
18.9%
18.4%
16.01%
15.93%
15.94%
16.17%
Provision Coverage Ratio (%)
81.05%
81.11%
81.42%
80.64%
80.14%
77.97%
79.22%
Amount of Gross NPAs
2,453.10
2,571.09
2,402.08
2,419.06
2,414.92
2,668.45
2,578.42
Amount of Net NPAs
975.96
1,049.53
1,004.55
1,063.57
1,083.08
1,228.25
1,129.18
% of Net NPAs
1.35%
1.44%
1.31%
1.39%
1.46%
1.66%
1.58%
% of Gross NPAs
3.33%
3.46%
3.08%
3.11%
3.21%
3.54%
3.53%
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
1494.0
1516.0
1506.0
1505.0
1504.0
1504.0
Number of Branches
955.0
953.0
952.0
937.0
931.0
927.0
925.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -3.63% vs 0.12% in Jun 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Sep 2025 is 9.14% vs 15.86% in Jun 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -5.83% vs 24.60% in Jun 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.09% vs 0.13% in Jun 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.13% vs 0.38% in Jun 2025

Compare Quarterly Results Of Karnataka Bank With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
2,179.18
1,413.39
765.79
54.18%
Income On Investments
406.46
271.28
135.18
49.83%
Interest On Balances With Rbi Other Inter Bank Funds
22.04
15.34
6.70
43.68%
Interest / Discount On Advances / Bills
1,640.79
1,126.51
514.28
45.65%
Others
109.89
0.26
109.63
42165.38%
Other Income
343.37
208.07
135.30
65.03%
Total Income
2,522.55
1,621.46
901.09
55.57%
Interest Expended
1,451.06
816.26
634.80
77.77%
Net Interest Income
728.12
597.13
130.99
21.94%
Total Expenditure (Excl Depreciation)
631.45
352.77
278.68
79.0%
Employee Cost
316.49
175.84
140.65
79.99%
Other Operating Expenses
314.96
176.93
138.03
78.01%
Operating Profit Before Provisions and Contingencies
440.04
452.43
-12.39
-2.74%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
20.07
20.01
0.06
0.3%
Profit Before Tax
419.97
432.42
-12.45
-2.88%
Tax
100.85
114.91
-14.06
-12.24%
Profit After Tax
319.12
317.51
1.61
0.51%
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
319.12
317.51
1.61
0.51%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
8.44
20.05
-11.61
-57.91%
Diluted Earnings per share
8.43
20.05
-11.62
-57.96%
Operating Profit Margin (Excl OI)
70.10%
73.63%
0.00
-3.53%
Gross Profit Margin
19.27%
30.59%
0.00
-11.32%
PAT Margin
14.64%
22.46%
0.00
-7.82%
Net Interest Margin
2.72%
0.00%
2.72
2.72%
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
Quarterly - Interest Earned
Interest Earned 2179.18 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -3.63% vs 0.12% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -2.46% vs 10.24% in Sep 2024

Quarterly - Net Profit
Net Profit 319.12 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 9.14% vs 15.86% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -5.04% vs 1.76% in Sep 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 440.04 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -5.83% vs 24.60% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -4.41% vs -11.83% in Sep 2024

Quarterly - % of Net NPAs
% of Net NPAs 1.35%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.09% vs 0.13% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -0.11% vs 0.10% in Sep 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 3.33%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.13% vs 0.38% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 0.12% vs -0.26% in Sep 2024

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