INTEGRATED FILING — BANKING



General information about company

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 Consolidated
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


Financial Results - Banking
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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 17302200000 17302200000
Income on investments 3893900000 3893900000
Interest on balances with reserve bank of India and other inter bank funds 88300000 88300000
Others 1328400000 1328400000
Total interest earned 22612800000 22612800000
2 Other income 3583700000 3583700000
3 Total income 26196500000 26196500000
Expenses
4 Interest expenses 15056600000 15056600000
5 Operating expenses
(i) Employees cost 3435800000 3435800000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 3030300000 3030300000
Total other operating Expenses 3030300000 3030300000
Total Operating Expenses 6466100000 6466100000
6 Total expenditure excluding provisions and contingencies 21522700000 21522700000
7 Operating profit before provision and contingencies 4673800000 4673800000
8 Provisions other than tax and contingencies 1108000000 1108000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 3565800000 3565800000
11 Provision for Tax 640800000 640800000
12 Net profit (loss) from ordinary activities after tax 2925000000 2925000000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 2925000000 2925000000
15 Share of profit (loss) of associates 0 0
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 2925000000 2925000000
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
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 Consolidated Consolidated
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 179700000 179700000
Total Segment Revenue 26196500000 26196500000
Less: Inter segment revenue 0
Income from operations 26196500000 26196500000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 853300000 853300000
2 Corporate Banking 1170800000 1170800000
3 Retail Banking 2625400000 2625400000
4 Other Banking Operations 92200000 92200000
5 Unallocated -1175900000 -1175900000
Total Profit before tax 3565800000 3565800000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 3565800000 3565800000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 346451300000 346451300000
2 Corporate Banking 343102300000 343102300000
3 Retail Banking 466803800000 466803800000
4 Other Banking Operations 204200000 204200000
5 Unallocated 35712100000 35712100000
6 Treasury Operations 346451300000 346451300000
7 Corporate Banking 343102300000 343102300000
8 Retail Banking 466803800000 466803800000
9 Other Banking Operations 204200000 204200000
10 Unallocated 35712100000 35712100000
Total Segment Assets 1192273700000 1192273700000
Un-allocable Assets 0 0
Net Segment Assets 1192273700000 1192273700000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 310562800000 310562800000
2 Corporate Banking 307686800000 307686800000
3 Retail Banking 418082500000 418082500000
4 Other Banking Operations 183000000 183000000
5 Unallocated 31879400000 31879400000
6 Treasury Operations 310562800000 310562800000
7 Corporate Banking 307686800000 307686800000
8 Retail Banking 418082500000 418082500000
9 Other Banking Operations 183000000 183000000
10 Unallocated 31879400000 31879400000
Total Segment Liabilities 1068394500000 1068394500000
Un-allocable Liabilities 123879200000 123879200000
Net Segment Liabilities 1192273700000 1192273700000
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