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 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 29-07-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 22-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
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 29-07-2026   10:00:00
End date and time of board meeting 29-07-2026   16:40:00
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 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

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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
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 1,81,419.00 1,81,419.00
Income on investments 43,275.00 43,275.00
Interest on balances with reserve bank of India and other inter bank funds 666.00 666.00
Others 12,905.00 12,905.00
Total interest earned 2,38,265.00 2,38,265.00
2 Other income 35,542.00 35,542.00
3 Total income 2,73,807.00 2,73,807.00
Expenses
4 Interest expenses 1,44,436.00 1,44,436.00
5 Operating expenses
(i) Employees cost 40,856.00 40,856.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 30,481.00 30,481.00
Total other operating Expenses 30,481.00 30,481.00
Total Operating Expenses 71,337.00 71,337.00
6 Total expenditure excluding provisions and contingencies 2,15,773.00 2,15,773.00
7 Operating profit before provision and contingencies 58,034.00 58,034.00
8 Provisions other than tax and contingencies 2,870.00 2,870.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 55,164.00 55,164.00
11 Provision for Tax 13,269.00 13,269.00
12 Net profit (loss) from ordinary activities after tax 41,895.00 41,895.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 41,895.00 41,895.00
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 41,895.00 41,895.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 37,821.00 37,821.00
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 19.8600 19.8600
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 11.08 11.08
Diluted earnings per share before extraordinary items 11.06 11.06
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 11.08 11.08
Diluted earnings per share after extraordinary items 11.06 11.06
(iv) NPA Ratios
Amount of gross non-performing assets 2,23,325.00 2,23,325.00
Amount of net non-performing assets 73,638.00 73,638.00
% of gross NPAs 2.5800 2.5800
% of net NPAs 0.8700 0.8700
Return on assets 1.2900 1.2900
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) Ratios are calculated basis cumulative daily average balance.


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 01-04-2026 01-04-2026
Date of end of reporting period 30-06-2026 30-06-2026
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 46,878.00 46,878.00
2 Corporate Banking 90,961.00 90,961.00
3 Retail Banking 1,26,574.00 1,26,574.00
4 Other Banking Operations 6,249.00 6,249.00
5 Unallocated 3,145.00 3,145.00
Total Segment Revenue 2,73,807.00 2,73,807.00
Less: Inter segment revenue
Income from operations 2,73,807.00 2,73,807.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 7,399.00 7,399.00
2 Corporate Banking 18,380.00 18,380.00
3 Retail Banking 30,958.00 30,958.00
4 Other Banking Operations 920.00 920.00
5 Unallocated (2,493.00) (2,493.00)
Total Profit before tax 55,164.00 55,164.00
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 55,164.00 55,164.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 32,71,498.00 32,71,498.00
2 Corporate Banking 42,27,073.00 42,27,073.00
3 Retail Banking 52,12,620.00 52,12,620.00
4 Other Banking Operations 3,735.00 3,735.00
5 Unallocated 3,32,605.00 3,32,605.00
Total Segment Assets 1,30,47,531.00 1,30,47,531.00
Un-allocable Assets 0.00 0.00
Net Segment Assets 1,30,47,531.00 1,30,47,531.00
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 29,28,672.00 29,28,672.00
2 Corporate Banking 37,84,331.00 37,84,331.00
3 Retail Banking 46,62,960.00 46,62,960.00
4 Other Banking Operations 3,342.00 3,342.00
5 Unallocated 2,97,525.00 2,97,525.00
Total Segment Liabilities 1,16,76,830.00 1,16,76,830.00
Un-allocable Liabilities 13,70,701.00 13,70,701.00
Net Segment Liabilities 1,30,47,531.00 1,30,47,531.00
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


Format for Disclosing Outstanding Default on Loans and Debt Securities

Amount in (Lakhs)

Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 4,10,463.00
B Of the total amount outstanding, amount of default as on date 0.00
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0.00
B Of the total amount outstanding, amount of default as on date 0.00
3. Total financial indebtedness of the listed entity including short-term and long-term debt 4,40,463.00