| 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 | 19-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 12-05-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 19-05-2026 10:00:00 |
| End date and time of board meeting | 19-05-2026 18:40:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 1,68,932.00 | 6,68,105.00 | |
| Income on investments | 42,438.00 | 1,64,276.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 518.00 | 4,650.00 | |
| Others | 13,844.00 | 54,752.00 | |
| Total interest earned | 2,25,732.00 | 8,91,783.00 | |
| 2 | Other income | 39,886.00 | 1,40,291.00 |
| 3 | Total income | 2,65,618.00 | 10,32,074.00 |
| Expenses | |||
| 4 | Interest expenses | 1,41,435.00 | 5,79,904.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 28,224.00 | 1,30,843.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating Expenses | 34,446.00 | 1,23,885.00 |
| Total other operating Expenses | 34,446.00 | 1,23,885.00 | |
| Total Operating Expenses | 62,670.00 | 2,54,728.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 2,04,105.00 | 8,34,632.00 |
| 7 | Operating profit before provision and contingencies | 61,513.00 | 1,97,442.00 |
| 8 | Provisions other than tax and contingencies | 9,037.00 | 31,607.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 52,476.00 | 1,65,835.00 |
| 11 | Provision for Tax | 11,651.00 | 34,760.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 40,825.00 | 1,31,075.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 40,825.00 | 1,31,075.00 |
| 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 | 40,825.00 | 1,31,075.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 37,819.00 | 37,819.00 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | 12,26,562.00 | |
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 18.6800 | 18.6800 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 10.8 | 34.67 | |
| Diluted earnings per share before extraordinary items | 10.78 | 34.61 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 10.8 | 34.67 | |
| Diluted earnings per share after extraordinary items | 10.78 | 34.61 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 2,32,093.00 | 2,32,093.00 | |
| Amount of net non-performing assets | 80,322.00 | 80,322.00 | |
| % of gross NPAs | 2.7800 | 2.7800 | |
| % of net NPAs | 0.9800 | 0.9800 | |
| Return on assets | 1.2700 | 1.0500 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Ratios are calculated basis Cumulative Daily Average Balance (CDAB). |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 37,819.00 | ||
| Reserves and surplus | 12,84,603.00 | ||
| Deposits | 1,08,77,707.00 | ||
| Borrowings | 5,32,900.00 | ||
| Other liabilities and provisions | |||
| 1 | Other liabilities and provisions | 2,02,491.00 | |
| Total of Other liabilities and provisions | 2,02,491.00 | ||
| Total Capital Liabilities | 1,29,35,520.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 7,06,349.00 | ||
| Balances with Banks and money at call and short notice | 67,214.00 | ||
| Investments | 26,73,705.00 | ||
| Advances | 81,80,963.00 | ||
| Fixed Assets | 1,06,016.00 | ||
| Other Assets | |||
| 1 | Other Assets | 12,01,273.00 | |
| Total of Other Assets | 12,01,273.00 | ||
| Total Assets | 1,29,35,520.00 | ||
| Disclosure of notes on assets and liabilities | |||
| Textual Information(1) |
|---|
| 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 | 01-01-2026 | 01-04-2025 | |||||
| Date of end of reporting period | 31-03-2026 | 31-03-2026 | |||||
| Whether results are audited or unaudited | Audited | Audited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury Operations | 44,772.00 | 1,91,829.00 | ||||
| 2 | Corporate Banking | 87,917.00 | 3,43,309.00 | ||||
| 3 | Retail Banking | 1,16,068.00 | 4,54,780.00 | ||||
| 4 | Other Banking Operations | 12,793.00 | 31,857.00 | ||||
| 5 | Unallocated | 4,068.00 | 10,299.00 | ||||
| Total Segment Revenue | 2,65,618.00 | 10,32,074.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 2,65,618.00 | 10,32,074.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 5,437.00 | 26,350.00 | ||||
| 2 | Corporate Banking | 27,341.00 | 77,045.00 | ||||
| 3 | Retail Banking | 21,163.00 | 85,382.00 | ||||
| 4 | Other Banking Operations | 6,278.00 | 9,017.00 | ||||
| 5 | Unallocated | (7,743.00) | (31,959.00) | ||||
| Total Profit before tax | 52,476.00 | 1,65,835.00 | |||||
| i. Finance cost | |||||||
| ii. Other Unallocable Expenditure net off Unallocable income | |||||||
| Profit before tax | 52,476.00 | 1,65,835.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 34,92,983.00 | 34,92,983.00 | ||||
| 2 | Corporate Banking | 40,32,153.00 | 40,32,153.00 | ||||
| 3 | Retail Banking | 50,10,836.00 | 50,10,836.00 | ||||
| 4 | Other Banking Operations | 3,848.00 | 3,848.00 | ||||
| 5 | Unallocated | 3,95,700.00 | 3,95,700.00 | ||||
| Total Segment Assets | 1,29,35,520.00 | 1,29,35,520.00 | |||||
| Un-allocable Assets | 0.00 | 0.00 | |||||
| Net Segment Assets | 1,29,35,520.00 | 1,29,35,520.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 31,36,626.00 | 31,36,626.00 | ||||
| 2 | Corporate Banking | 36,21,505.00 | 36,21,505.00 | ||||
| 3 | Retail Banking | 44,96,683.00 | 44,96,683.00 | ||||
| 4 | Other Banking Operations | 3,454.00 | 3,454.00 | ||||
| 5 | Unallocated | 3,54,830.00 | 3,54,830.00 | ||||
| Total Segment Liabilities | 1,16,13,098.00 | 1,16,13,098.00 | |||||
| Un-allocable Liabilities | 13,22,422.00 | 13,22,422.00 | |||||
| Net Segment Liabilities | 1,29,35,520.00 | 1,29,35,520.00 | |||||
| Disclosure of notes on segments | PART B: GEOGRAPHIC SEGMENTS: There is only one Segment i.e. Domestic Segment | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | 1,65,835.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 10,652.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 0.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 10,558.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 21,210.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (8,17,798.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 7,54,508.00 | |
| Adjustments for provisions | 31,607.00 | |
| Total adjustments for working capital | (31,683.00) | |
| Total adjustments for reconcile profit (loss) | (10,473.00) | |
| Net cash flows from (used in) operations | 1,55,362.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 45,352.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 1,10,010.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 1,10,010.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of tangible assets | 110.00 | |
| Purchase of tangible assets | 8,892.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Net cash flows from (used in) investing activities before extraordinary items | (8,782.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (8,782.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 187.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 0.00 | |
| Repayments of borrowings | 1,07,320.00 | |
| Dividends paid | 18,903.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities before extraordinary items | (1,26,036.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | (1,26,036.00) | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (24,808.00) | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | (24,808.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 7,98,371.00 | |
| Cash and cash equivalents cash flow statement at end of period | 7,73,563.00 | |
| Whether results are audited or unaudited | Audited |
|---|---|
| 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 | ||