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 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 10-02-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 02-02-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third 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 Unaudited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 10-02-2026   10:00:00
End date and time of board meeting 10-02-2026   18:10:00
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

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
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 1,62,071.00 4,99,173.00
Income on investments 42,253.00 1,21,838.00
Interest on balances with reserve bank of India and other inter bank funds 1,045.00 4,132.00
Others 16,636.00 40,908.00
Total interest earned 2,22,005.00 6,66,051.00
2 Other income 30,228.00 1,00,405.00
3 Total income 2,52,233.00 7,66,456.00
Expenses
4 Interest expenses 1,42,798.00 4,38,469.00
5 Operating expenses
(i) Employees cost 36,346.00 1,02,619.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 27,911.00 89,439.00
Total other operating Expenses 27,911.00 89,439.00
Total Operating Expenses 64,257.00 1,92,058.00
6 Total expenditure excluding provisions and contingencies 2,07,055.00 6,30,527.00
7 Operating profit before provision and contingencies 45,178.00 1,35,929.00
8 Provisions other than tax and contingencies 9,485.00 22,570.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 35,693.00 1,13,359.00
11 Provision for Tax 6,615.00 23,109.00
12 Net profit (loss) from ordinary activities after tax 29,078.00 90,250.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 29,078.00 90,250.00
15 Share of profit (loss) of associates 0.00 0.00
16 Profit (loss) of minority interest 0.00 0.00
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 29,078.00 90,250.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 37,815.00 37,815.00
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 18.4400 18.4400
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 7.69 23.87
Diluted earnings per share before extraordinary items 7.68 23.83
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 7.69 23.87
Diluted earnings per share after extraordinary items 7.68 23.83
(iv) NPA Ratios
Amount of gross non-performing assets 2,56,531.00 2,56,531.00
Amount of net non-performing assets 99,470.00 99,470.00
% of gross NPAs 3.3200 3.3200
% of net NPAs 1.3100 1.3100
Return on assets 0.9200 0.9700
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

Amount in (Lakhs)

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 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
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 47,490.00 1,47,057.00
2 Corporate Banking 92,360.00 2,55,301.00
3 Retail Banking 1,00,306.00 3,38,804.00
4 Other Banking Operations 6,368.00 19,064.00
5 Unallocated 5,709.00 6,230.00
Total Segment Revenue 2,52,233.00 7,66,456.00
Less: Inter segment revenue 0.00 0.00
Income from operations 2,52,233.00 7,66,456.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 6,956.00 20,913.00
2 Corporate Banking 27,318.00 52,255.00
3 Retail Banking 8,926.00 61,671.00
4 Other Banking Operations 971.00 2,737.00
5 Unallocated (8,478.00) (24,217.00)
Total Profit before tax 35,693.00 1,13,359.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 0.00 0.00
Profit before tax 35,693.00 1,13,359.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 31,72,634.00 31,72,634.00
2 Corporate Banking 36,19,783.00 36,19,783.00
3 Retail Banking 47,95,916.00 47,95,916.00
4 Other Banking Operations 3,711.00 3,711.00
5 Unallocated 4,26,192.00 4,26,192.00
Total Segment Assets 1,20,18,236.00 1,20,18,236.00
Un-allocable Assets 0.00 0.00
Net Segment Assets 1,20,18,236.00 1,20,18,236.00
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 28,33,812.00 28,33,812.00
2 Corporate Banking 32,33,037.00 32,33,037.00
3 Retail Banking 42,80,939.00 42,80,939.00
4 Other Banking Operations 3,313.00 3,313.00
5 Unallocated 3,80,042.00 3,80,042.00
Total Segment Liabilities 1,07,31,143.00 1,07,31,143.00
Un-allocable Liabilities 12,87,093.00 12,87,093.00
Net Segment Liabilities 1,20,18,236.00 1,20,18,236.00
Disclosure of notes on segments PART B: GEOGRAPHIC SEGMENTS: There is only one Segment i.e. Domestic Segment






Details of Impact of Audit Qualification

Amount in (Lakhs)

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 31-03-2028
2 M/s Ravi Rajan & Co LLP Yes 31-05-2028