Karnataka Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

2,257.32

2,220.05

2,179.18

2,261.28

2,258.46

2,243.02

2,234.13

Income On Investments

424.38

422.53

406.46

389.39

380.21

346.98

356.43

Interest On Balances With Rbi Other Inter Bank Funds

5.18

10.45

22.04

8.83

4.64

18.62

13.36

Interest / Discount On Advances / Bills

1,689.32

1,620.71

1,640.79

1,730.23

1,764.96

1,759.33

1,769.77

Others

138.44

166.36

109.89

132.83

108.65

118.09

94.57

Other Income

398.86

302.30

343.37

358.36

428.23

292.36

269.92

Total Income

2,656.18

2,522.35

2,522.55

2,619.64

2,686.69

2,535.38

2,504.05

Interest Expended

1,414.37

1,427.99

1,451.06

1,505.68

1,477.78

1,450.24

1,400.57

Net Interest Income

842.95

792.06

728.12

755.60

780.68

792.78

833.56

Total Expenditure (Excl Depreciation)

626.77

642.56

631.45

646.67

833.89

652.07

643.12

Employee Cost

279.58

360.60

316.49

341.13

525.91

342.72

349.94

Other Operating Expenses

347.19

281.96

314.96

305.54

307.98

309.35

293.18

Operating Profit Before Provisions and Contingencies

615.04

451.80

440.04

467.29

375.02

433.07

460.36

Exceptional Items

0.00

Provisions and contingencies

90.34

94.86

20.07

110.80

31.08

83.77

31.33

Profit Before Tax

524.70

356.94

419.97

356.49

343.94

349.30

429.03

Tax

116.51

66.15

100.85

64.09

91.57

65.70

92.96

Profit After Tax

408.19

290.79

319.12

292.40

252.37

283.60

336.07

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

408.19

290.79

319.12

292.40

252.37

283.60

336.07

Face Value

10.0

Reserves

12,265.85

0.00

11,208.17

0.00

Earnings per share (EPS)

10.79

7.69

8.44

7.74

6.68

7.5

8.9

Diluted Earnings per share

10.78

7.68

8.43

7.72

6.66

7.49

8.87

Operating Profit Margin (Excl OI)

68.23%

66.78%

70.1%

66.5%

61.7%

67.19%

69.81%

Gross Profit Margin

23.24%

16.08%

19.27%

15.76%

15.23%

15.57%

19.2%

PAT Margin

18.08%

13.1%

14.64%

12.93%

11.17%

12.64%

15.04%

Net Interest Margin

3.07%

2.92%

2.72%

2.82%

2.98%

3.02%

3.23%

Return on Assets

0.0%

CASA (%)

33.61%

31.53%

31.01%

30.84%

31.75%

30.32%

30.82%

CASA Amount

36,560.00

32,829.00

31,882.00

31,835.00

33,281.00

30,297.00

30,756.00

Capital Adequacy Ratio (Total)

20.07%

19.94%

20.84%

20.46%

19.85%

17.64%

17.58%

Capital Adequacy Ratio (Tier 1)

18.7%

18.4%

19.3%

18.9%

18.4%

16.01%

15.93%

Provision Coverage Ratio (%)

83.54%

80.9%

81.05%

81.11%

81.42%

80.64%

80.14%

Amount of Gross NPAs

2,320.93

2,565.31

2,453.10

2,571.09

2,402.08

2,419.06

2,414.92

Amount of Net NPAs

803.22

994.70

975.96

1,049.53

1,004.55

1,063.57

1,083.08

% of Net NPAs

0.98%

1.31%

1.35%

1.44%

1.31%

1.39%

1.46%

% of Gross NPAs

2.78%

3.32%

3.33%

3.46%

3.08%

3.11%

3.21%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1474.0

1470.0

1488.0

1494.0

1516.0

1506.0

1505.0

Number of Branches

975.0

960.0

955.0

953.0

952.0

937.0

931.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 1.68% vs 1.88% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 40.37% vs -8.88% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 36.13% vs 2.67% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.33% vs -0.04% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.54% vs -0.01% in Dec 2025

Compare Quarterly Results Of Karnataka Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,257.32

2,559.48

-302.16

-11.81%

Income On Investments

424.38

471.92

-47.54

-10.07%

Interest On Balances With Rbi Other Inter Bank Funds

5.18

43.55

-38.37

-88.11%

Interest / Discount On Advances / Bills

1,689.32

2,036.31

-346.99

-17.04%

Others

138.44

7.70

130.74

1697.92%

Other Income

398.86

385.94

12.92

3.35%

Total Income

2,656.18

2,945.42

-289.24

-9.82%

Interest Expended

1,414.37

1,644.15

-229.78

-13.98%

Net Interest Income

842.95

915.33

-72.38

-7.91%

Total Expenditure (Excl Depreciation)

626.77

719.99

-93.22

-12.95%

Employee Cost

279.58

351.82

-72.24

-20.53%

Other Operating Expenses

347.19

368.17

-20.98

-5.7%

Operating Profit Before Provisions and Contingencies

615.04

581.28

33.76

5.81%

Exceptional Items

0.00

Provisions and contingencies

90.34

34.39

55.95

162.69%

Profit Before Tax

524.70

546.89

-22.19

-4.06%

Tax

116.51

139.39

-22.88

-16.41%

Profit After Tax

408.19

407.50

0.69

0.17%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

408.19

407.50

0.69

0.17%

Face Value

10.00

1.00

0.00

Reserves

12,265.85

0.00

12,265.85

Earnings per share (EPS)

10.79

1.56

9.23

591.67%

Diluted Earnings per share

10.78

1.55

9.23

595.48%

Operating Profit Margin (Excl OI)

68.23%

70.53%

0.00

-2.30%

Gross Profit Margin

23.24%

21.37%

0.00

1.87%

PAT Margin

18.08%

15.92%

0.00

2.16%

Net Interest Margin

3.07%

2.95%

0.12

0.12%

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%

Quarterly - Interest Earned

Interest Earned 2257.32 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 1.68% vs 1.88% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.05% vs 2.63% in Mar 2025

Quarterly - Net Profit

Net Profit 408.19 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 40.37% vs -8.88% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 61.74% vs -7.97% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 615.04 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 36.13% vs 2.67% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 64.00% vs -24.96% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.98%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.33% vs -0.04% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.78%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.54% vs -0.01% in Dec 2025

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