Karnataka Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

2,382.65

2,257.32

2,220.05

2,179.18

2,261.28

2,258.46

2,243.02

Income On Investments

432.75

424.38

422.53

406.46

389.39

380.21

346.98

Interest On Balances With Rbi Other Inter Bank Funds

6.66

5.18

10.45

22.04

8.83

4.64

18.62

Interest / Discount On Advances / Bills

1,814.19

1,689.32

1,620.71

1,640.79

1,730.23

1,764.96

1,759.33

Others

129.05

138.44

166.36

109.89

132.83

108.65

118.09

Other Income

355.42

398.86

302.30

343.37

358.36

428.23

292.36

Total Income

2,738.07

2,656.18

2,522.35

2,522.55

2,619.64

2,686.69

2,535.38

Interest Expended

1,444.36

1,414.37

1,427.99

1,451.06

1,505.68

1,477.78

1,450.24

Net Interest Income

938.29

842.95

792.06

728.12

755.60

780.68

792.78

Total Expenditure (Excl Depreciation)

713.37

626.77

642.56

631.45

646.67

833.89

652.07

Employee Cost

408.56

279.58

360.60

316.49

341.13

525.91

342.72

Other Operating Expenses

304.81

347.19

281.96

314.96

305.54

307.98

309.35

Operating Profit Before Provisions and Contingencies

580.34

615.04

451.80

440.04

467.29

375.02

433.07

Exceptional Items

0.00

Provisions and contingencies

28.70

90.34

94.86

20.07

110.80

31.08

83.77

Profit Before Tax

551.64

524.70

356.94

419.97

356.49

343.94

349.30

Tax

132.69

116.51

66.15

100.85

64.09

91.57

65.70

Profit After Tax

418.95

408.19

290.79

319.12

292.40

252.37

283.60

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

418.95

408.19

290.79

319.12

292.40

252.37

283.60

Face Value

10.0

Reserves

0.00

12,265.85

0.00

11,208.17

0.00

Earnings per share (EPS)

11.08

10.79

7.69

8.44

7.74

6.68

7.5

Diluted Earnings per share

11.06

10.78

7.68

8.43

7.72

6.66

7.49

Operating Profit Margin (Excl OI)

68.86%

68.23%

66.78%

70.1%

66.5%

61.7%

67.19%

Gross Profit Margin

23.15%

23.24%

16.08%

19.27%

15.76%

15.23%

15.57%

PAT Margin

17.58%

18.08%

13.1%

14.64%

12.93%

11.17%

12.64%

Net Interest Margin

3.2%

3.07%

2.92%

2.72%

2.82%

2.98%

3.02%

Return on Assets

0.0%

CASA (%)

32.42%

33.61%

31.53%

31.01%

30.84%

31.75%

30.32%

CASA Amount

35,787.00

36,560.00

32,829.00

31,882.00

31,835.00

33,281.00

30,297.00

Capital Adequacy Ratio (Total)

21.1%

20.07%

19.94%

20.84%

20.46%

19.85%

17.64%

Capital Adequacy Ratio (Tier 1)

19.9%

18.7%

18.4%

19.3%

18.9%

18.4%

16.01%

Provision Coverage Ratio (%)

84.7%

83.54%

80.9%

81.05%

81.11%

81.42%

80.64%

Amount of Gross NPAs

2,233.25

2,320.93

2,565.31

2,453.10

2,571.09

2,402.08

2,419.06

Amount of Net NPAs

736.38

803.22

994.70

975.96

1,049.53

1,004.55

1,063.57

% of Net NPAs

0.87%

0.98%

1.31%

1.35%

1.44%

1.31%

1.39%

% of Gross NPAs

2.58%

2.78%

3.32%

3.33%

3.46%

3.08%

3.11%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1469.0

1474.0

1470.0

1488.0

1494.0

1516.0

1506.0

Number of Branches

976.0

975.0

960.0

955.0

953.0

952.0

937.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 5.55% vs 1.68% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 2.64% vs 40.37% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is -5.64% vs 36.13% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.11% vs -0.33% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.20% vs -0.54% in Mar 2026

Compare Quarterly Results Of Karnataka Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,382.65

2,627.81

-245.16

-9.33%

Income On Investments

432.75

448.21

-15.46

-3.45%

Interest On Balances With Rbi Other Inter Bank Funds

6.66

63.62

-56.96

-89.53%

Interest / Discount On Advances / Bills

1,814.19

2,108.25

-294.06

-13.95%

Others

129.05

7.73

121.32

1569.47%

Other Income

355.42

379.49

-24.07

-6.34%

Total Income

2,738.07

3,007.30

-269.23

-8.95%

Interest Expended

1,444.36

1,603.09

-158.73

-9.9%

Net Interest Income

938.29

1,024.72

-86.43

-8.43%

Total Expenditure (Excl Depreciation)

713.37

812.41

-99.04

-12.19%

Employee Cost

408.56

449.19

-40.63

-9.05%

Other Operating Expenses

304.81

363.22

-58.41

-16.08%

Operating Profit Before Provisions and Contingencies

580.34

591.80

-11.46

-1.94%

Exceptional Items

0.00

Provisions and contingencies

28.70

84.34

-55.64

-65.97%

Profit Before Tax

551.64

507.46

44.18

8.71%

Tax

132.69

129.83

2.86

2.2%

Profit After Tax

418.95

377.63

41.32

10.94%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

418.95

377.63

41.32

10.94%

Face Value

10.00

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

11.08

1.44

9.64

669.44%

Diluted Earnings per share

11.06

1.44

9.62

668.06%

Operating Profit Margin (Excl OI)

68.86%

65.87%

0.00

2.99%

Gross Profit Margin

23.15%

19.31%

0.00

3.84%

PAT Margin

17.58%

14.37%

0.00

3.21%

Net Interest Margin

3.20%

3.23%

-0.03

-0.03%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

32.42%

32.98%

-0.56

-0.56%

CASA Amount

35,787.00

41,496.00

-5,709.00

-13.76%

Capital Adequacy Ratio (Total)

21.10%

19.62%

1.48

1.48%

Capital Adequacy Ratio (Tier 1)

19.90%

18.93%

0.97

0.97%

Provision Coverage Ratio (%)

84.70%

94.51%

-9.81

-9.81%

Amount of Gross NPAs

2,233.25

1,437.67

795.58

55.34%

Amount of Net NPAs

736.38

267.47

468.91

175.31%

% of Net NPAs

0.87%

0.26%

0.61

0.61%

% of Gross NPAs

2.58%

1.38%

1.20

1.20%

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

1,469.00

1,274.00

195.00

15.31%

Number of Branches

976.00

953.00

23.00

2.41%

Quarterly - Interest Earned

Interest Earned 2382.65 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 5.55% vs 1.68% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 5.37% vs -0.73% in Jun 2025

Quarterly - Net Profit

Net Profit 418.95 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 2.64% vs 40.37% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 43.28% vs -26.96% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 580.34 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -5.64% vs 36.13% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 24.19% vs -16.34% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.87%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.11% vs -0.33% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.57% vs -0.22% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.58%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.20% vs -0.54% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.88% vs -0.08% in Jun 2025