Karnataka Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

2,220.05

2,179.18

2,261.28

2,258.46

2,243.02

2,234.13

2,277.99

Income On Investments

422.53

406.46

389.39

380.21

346.98

356.43

382.60

Interest On Balances With Rbi Other Inter Bank Funds

10.45

22.04

8.83

4.64

18.62

13.36

4.75

Interest / Discount On Advances / Bills

1,620.71

1,640.79

1,730.23

1,764.96

1,759.33

1,769.77

1,715.32

Others

166.36

109.89

132.83

108.65

118.09

94.57

175.32

Other Income

302.30

343.37

358.36

428.23

292.36

269.92

279.01

Total Income

2,522.35

2,522.55

2,619.64

2,686.69

2,535.38

2,504.05

2,557.00

Interest Expended

1,427.99

1,451.06

1,505.68

1,477.78

1,450.24

1,400.57

1,374.63

Net Interest Income

792.06

728.12

755.60

780.68

792.78

833.56

903.36

Total Expenditure (Excl Depreciation)

642.56

631.45

646.67

833.89

652.07

643.12

623.78

Employee Cost

360.60

316.49

341.13

525.91

342.72

349.94

319.83

Other Operating Expenses

281.96

314.96

305.54

307.98

309.35

293.18

303.95

Operating Profit Before Provisions and Contingencies

451.80

440.04

467.29

375.02

433.07

460.36

558.59

Exceptional Items

0.00

Provisions and contingencies

94.86

20.07

110.80

31.08

83.77

31.33

40.26

Profit Before Tax

356.94

419.97

356.49

343.94

349.30

429.03

518.33

Tax

66.15

100.85

64.09

91.57

65.70

92.96

118.00

Profit After Tax

290.79

319.12

292.40

252.37

283.60

336.07

400.33

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

290.79

319.12

292.40

252.37

283.60

336.07

400.33

Face Value

10.0

Reserves

0.00

11,208.17

0.00

Earnings per share (EPS)

7.69

8.44

7.74

6.68

7.5

8.9

10.61

Diluted Earnings per share

7.68

8.43

7.72

6.66

7.49

8.87

10.57

Operating Profit Margin (Excl OI)

66.78%

70.1%

66.5%

61.7%

67.19%

69.81%

70.85%

Gross Profit Margin

16.08%

19.27%

15.76%

15.23%

15.57%

19.2%

22.75%

PAT Margin

13.1%

14.64%

12.93%

11.17%

12.64%

15.04%

17.57%

Net Interest Margin

2.92%

2.72%

2.82%

2.98%

3.02%

3.23%

3.54%

Return on Assets

0.0%

CASA (%)

31.53%

31.01%

30.84%

31.75%

30.32%

30.82%

30.54%

CASA Amount

32,829.00

31,882.00

31,835.00

33,281.00

30,297.00

30,756.00

30,589.00

Capital Adequacy Ratio (Total)

19.94%

20.84%

20.46%

19.85%

17.64%

17.58%

17.64%

Capital Adequacy Ratio (Tier 1)

18.4%

19.3%

18.9%

18.4%

16.01%

15.93%

15.94%

Provision Coverage Ratio (%)

80.9%

81.05%

81.11%

81.42%

80.64%

80.14%

77.97%

Amount of Gross NPAs

2,565.31

2,453.10

2,571.09

2,402.08

2,419.06

2,414.92

2,668.45

Amount of Net NPAs

994.70

975.96

1,049.53

1,004.55

1,063.57

1,083.08

1,228.25

% of Net NPAs

1.31%

1.35%

1.44%

1.31%

1.39%

1.46%

1.66%

% of Gross NPAs

3.32%

3.33%

3.46%

3.08%

3.11%

3.21%

3.54%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1470.0

1488.0

1494.0

1516.0

1506.0

1505.0

1504.0

Number of Branches

960.0

955.0

953.0

952.0

937.0

931.0

927.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 1.88% vs -3.63% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is -8.88% vs 9.14% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 2.67% vs -5.83% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.09% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.01% vs -0.13% in Sep 2025

Compare Quarterly Results Of Karnataka Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,220.05

1,469.41

750.64

51.08%

Income On Investments

422.53

261.82

160.71

61.38%

Interest On Balances With Rbi Other Inter Bank Funds

10.45

10.39

0.06

0.58%

Interest / Discount On Advances / Bills

1,620.71

1,197.00

423.71

35.4%

Others

166.36

0.20

166.16

83080.0%

Other Income

302.30

196.01

106.29

54.23%

Total Income

2,522.35

1,665.42

856.93

51.45%

Interest Expended

1,427.99

823.27

604.72

73.45%

Net Interest Income

792.06

646.14

145.92

22.58%

Total Expenditure (Excl Depreciation)

642.56

373.92

268.64

71.84%

Employee Cost

360.60

175.14

185.46

105.89%

Other Operating Expenses

281.96

198.78

83.18

41.85%

Operating Profit Before Provisions and Contingencies

451.80

468.23

-16.43

-3.51%

Exceptional Items

0.00

Provisions and contingencies

94.86

1.49

93.37

6266.44%

Profit Before Tax

356.94

466.74

-109.80

-23.52%

Tax

66.15

125.24

-59.09

-47.18%

Profit After Tax

290.79

341.50

-50.71

-14.85%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

290.79

341.50

-50.71

-14.85%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

7.69

21.57

-13.88

-64.35%

Diluted Earnings per share

7.68

21.57

-13.89

-64.39%

Operating Profit Margin (Excl OI)

66.78%

74.45%

0.00

-7.67%

Gross Profit Margin

16.08%

31.76%

0.00

-15.68%

PAT Margin

13.10%

23.24%

0.00

-10.14%

Net Interest Margin

2.92%

4.04%

-1.12

-1.12%

Return on Assets

0.00%

1.97%

-1.97

-1.97%

CASA (%)

31.53%

27.95%

3.58

3.58%

CASA Amount

32,829.00

0.00

32,829.00

Capital Adequacy Ratio (Total)

19.94%

30.08%

-10.14

-10.14%

Capital Adequacy Ratio (Tier 1)

18.40%

28.53%

-10.13

-10.13%

Provision Coverage Ratio (%)

80.90%

96.08%

-15.18

-15.18%

Amount of Gross NPAs

2,565.31

462.83

2,102.48

454.27%

Amount of Net NPAs

994.70

100.08

894.62

893.9%

% of Net NPAs

1.31%

0.20%

1.11

1.11%

% of Gross NPAs

3.32%

0.91%

2.41

2.41%

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

1,470.00

0.00

1,470.00

Number of Branches

960.00

0.00

960.00

Quarterly - Interest Earned

Interest Earned 2220.05 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 1.88% vs -3.63% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -1.02% vs 6.17% in Dec 2024

Quarterly - Net Profit

Net Profit 290.79 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -8.88% vs 9.14% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 2.54% vs -14.34% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 451.80 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 2.67% vs -5.83% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 4.32% vs -19.83% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 1.31%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.09% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.08% vs -0.16% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 3.32%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.01% vs -0.13% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 0.21% vs -0.53% in Dec 2024