General information about company |
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|---|---|
| Scrip code | 532652 |
| NSE Symbol | KTKBANK |
| MSEI Symbol | NOTLISTED |
| ISIN | INE614B01018 |
| Name of bank | The Karnataka Bank Limited |
| Class of security | Equity |
| Date of start of financial year | 01-Apr-2025 |
| Date of end of financial year | 31-Mar-2026 |
| Date of board meeting when results were approved | 12-Aug-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 05-Aug-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | First quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 12-Aug-2025 10:00:00 |
| End date and time of board meeting | 12-Aug-2025 17:30:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Whether the company has any related party? | |
| Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? | |
| (I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public | |
| (II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. | |
| (III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? | |
| (a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? | |
| (b) If answer to above question is No, please explain the reason for not complying. | |
| Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? | |
| Latest Date on which RPT policy is updated | |
| Indicate Company website link for updated RPT policy of the Company | |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | Yes |
Financial Results - Banking |
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|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Apr-2025 | |
| B | Date of end of reporting period | 30-Jun-2025 | |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 17302300000 | 17302300000 | |
| Income on investments | 3893900000 | 3893900000 | |
| Interest on balances with reserve bank of India and other inter bank funds | 88300000 | 88300000 | |
| Others | 1328300000 | 1328300000 | |
| Total interest earned | 22612800000 | 22612800000 | |
| 2 | Other income | 3583600000 | 3583600000 |
| 3 | Total income | 26196400000 | 26196400000 |
| Expenses | |||
| 4 | Interest expenses | 15056800000 | 15056800000 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 3411300000 | 3411300000 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 3055400000 | 3055400000 |
| Total other operating Expenses | 3055400000 | 3055400000 | |
| Total Operating Expenses | 6466700000 | 6466700000 | |
| 6 | Total expenditure excluding provisions and contingencies | 21523500000 | 21523500000 |
| 7 | Operating profit before provision and contingencies | 4672900000 | 4672900000 |
| 8 | Provisions other than tax and contingencies | 1108000000 | 1108000000 |
| 9 | Exceptional items | 0 | 0 |
| 10 | Total profit (loss) from ordinary activities before tax | 3564900000 | 3564900000 |
| 11 | Provision for Tax | 640900000 | 640900000 |
| 12 | Net profit (loss) from ordinary activities after tax | 2924000000 | 2924000000 |
| 13 | Extraordinary items net of tax expenses | 0 | 0 |
| 14 | Net profit (loss) for the period | 2924000000 | 2924000000 |
| 15 | Share of profit (loss) of associates | ||
| 16 | Profit (loss) of minority interest | ||
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 2924000000 | 2924000000 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 3779800000 | 3779800000 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 18.9 | 18.9 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 7.74 | 7.74 | |
| Diluted earnings per share before extraordinary items | 7.72 | 7.72 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 7.74 | 7.74 | |
| Diluted earnings per share after extraordinary items | 7.72 | 7.72 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 25710900000 | 25710900000 | |
| Amount of net non-performing assets | 10495300000 | 10495300000 | |
| % of gross NPAs | 3.46 | 3.46 | |
| % of net NPAs | 1.44 | 1.44 | |
| Return on assets | 0.97 | 0.97 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
Text Block | |||
| Textual Information(1) | 1. Ratios are calculated basis Cumulative Daily Average Balance (CDAB). | ||
|---|---|---|---|
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results |
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|---|---|---|---|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
| Date of start of reporting period | 01-Apr-2025 | ||||||
| Date of end of reporting period | 30-Jun-2025 | ||||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury Operations | 5027500000 | 5027500000 | ||||
| 2 | Corporate Banking | 8278400000 | 8278400000 | ||||
| 3 | Retail Banking | 12082700000 | 12082700000 | ||||
| 4 | Other Banking Operations | 628200000 | 628200000 | ||||
| 5 | Unallocated | 179600000 | 179600000 | ||||
| Total Segment Revenue | 26196400000 | 26196400000 | |||||
| Less: Inter segment revenue | 0 | ||||||
| Income from operations | 26196400000 | 26196400000 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 853300000 | 853300000 | ||||
| 2 | Corporate Banking | 1170600000 | 1170600000 | ||||
| 3 | Retail Banking | 2625100000 | 2625100000 | ||||
| 4 | Other Banking Operations | 91800000 | 91800000 | ||||
| 5 | Unallocated | -1175900000 | -1175900000 | ||||
| Total Profit before tax | 3564900000 | 3564900000 | |||||
| i. Finance cost | 0 | ||||||
| ii. Other Unallocable Expenditure net off Unallocable income | 0 | ||||||
| Profit before tax | 3564900000 | 3564900000 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 346468800000 | 346468800000 | ||||
| 2 | Corporate Banking | 343102300000 | 343102300000 | ||||
| 3 | Retail Banking | 466803800000 | 466803800000 | ||||
| 4 | Other Banking Operations | 204200000 | 204200000 | ||||
| 5 | Unallocated | 35707800000 | 35707800000 | ||||
| 6 | Treasury Operations | 346468800000 | 346468800000 | ||||
| 7 | Corporate Banking | 343102300000 | 343102300000 | ||||
| 8 | Retail Banking | 466803800000 | 466803800000 | ||||
| 9 | Other Banking Operations | 204200000 | 204200000 | ||||
| 10 | Unallocated | 35707800000 | 35707800000 | ||||
| Total Segment Assets | 1192286900000 | 1192286900000 | |||||
| Un-allocable Assets | 0 | 0 | |||||
| Net Segment Assets | 1192286900000 | 1192286900000 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 310577800000 | 310577800000 | ||||
| 2 | Corporate Banking | 307686000000 | 307686000000 | ||||
| 3 | Retail Banking | 418081500000 | 418081500000 | ||||
| 4 | Other Banking Operations | 183000000 | 183000000 | ||||
| 5 | Unallocated | 31875500000 | 31875500000 | ||||
| 6 | Treasury Operations | 310577800000 | 310577800000 | ||||
| 7 | Corporate Banking | 307686000000 | 307686000000 | ||||
| 8 | Retail Banking | 418081500000 | 418081500000 | ||||
| 9 | Other Banking Operations | 183000000 | 183000000 | ||||
| 10 | Unallocated | 31875500000 | 31875500000 | ||||
| Total Segment Liabilities | 1068403800000 | 1068403800000 | |||||
| Un-allocable Liabilities | 123883100000 | 123883100000 | |||||
| Net Segment Liabilities | 1192286900000 | 1192286900000 | |||||
| Disclosure of notes on segments | PART B: GEOGRAPHIC SEGMENTS: There is only one Segment i.e. Domestic Segment As per the RBI circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 07, 2022, on establishment of Digital Banking Unit (DBU), for the purpose of disclosure under ‘Accounting Standard 17 - Segment reporting’, ‘Digital Banking’ has been identified as a Sub–segment under Retail Banking by the Reserve Bank of India (RBI). As on June 30, 2025, the Bank has two DBUs and the segment information disclosed above is related to the said DBUs | ||||||
Details of Impact of Audit Qualification |
|
|---|---|
| Whether results are audited or unaudited | Unaudited |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M/s RGN Price & Co | Yes | 31-Mar-2028 | ||
|---|---|---|---|---|---|
| 2 | M/s Ravi Rajan & Co LLP | Yes | 31-May-2028 | ||
Format for Disclosing Outstanding Default on Loans and Debt Securities |
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| Sr. No. | Particulars | Amount | Remarks |
| 1. | Loans / revolving facilities like cash credit from banks / financial institutions | ||
| A | Total amount outstanding as on date | 13244900000 | |
|---|---|---|---|
| B | Of the total amount outstanding, amount of default as on date | 0 | |
| 2. | Unlisted debt securities i.e. NCDs and NCRPS | ||
| A | Total amount outstanding as on date | 0 | |
| B | Of the total amount outstanding, amount of default as on date | 0 | |
| 3. | Total financial indebtedness of the listed entity including short-term and long-term debt | 16244900000 | |