| 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 | 28-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 16-10-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second 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 | 28-10-2026 10:40:00 |
| End date and time of board meeting | 28-10-2026 14:15:00 |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 1,95,748.00 | 3,77,167.00 | |
| Income on investments | 44,208.00 | 87,483.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 736.00 | 1,402.00 | |
| Others | 9,695.00 | 22,600.00 | |
| Total interest earned | 2,50,387.00 | 4,88,652.00 | |
| 2 | Other income | 29,009.00 | 64,557.00 |
| 3 | Total income | 2,79,396.00 | 5,53,209.00 |
| Expenses | |||
| 4 | Interest expenses | 1,52,141.00 | 2,96,575.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 36,385.00 | 77,520.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 30,650.00 | 60,841.00 |
| Total other operating Expenses | 30,650.00 | 60,841.00 | |
| Total Operating Expenses | 67,035.00 | 1,38,361.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 2,19,176.00 | 4,34,936.00 |
| 7 | Operating profit before provision and contingencies | 60,220.00 | 1,18,273.00 |
| 8 | Provisions other than tax and contingencies | 1,474.00 | 4,344.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 58,746.00 | 1,13,929.00 |
| 11 | Provision for Tax | 15,160.00 | 28,430.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 43,586.00 | 85,499.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 43,586.00 | 85,499.00 |
| 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 | 43,586.00 | 85,499.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 37,840.00 | 37,840.00 | |
| 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 | 19.200 | 19.200 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 11.52 | 22.6 | |
| Diluted earnings per share before extraordinary items | 11.5 | 22.57 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 11.52 | 22.6 | |
| Diluted earnings per share after extraordinary items | 11.5 | 22.57 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 2,09,133.00 | 2,09,133.00 | |
| Amount of net non-performing assets | 66,813.00 | 66,813.00 | |
| % of gross NPAs | 2.2700 | 2.2700 | |
| % of net NPAs | 0.7400 | 0.7400 | |
| Return on assets | 1.2600 | 1.2700 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | 1. Ratios are calculated basis Cumulative Daily Average Balance (CDAB). |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 37,840.00 | ||
| Reserves and surplus | 13,55,577.00 | ||
| Deposits | 1,15,11,551.00 | ||
| Borrowings | 5,46,377.00 | ||
| Other liabilities and provisions | |||
| 1 | Other liabilities and provisions | 2,07,079.00 | |
| Total of Other liabilities and provisions | 2,07,079.00 | ||
| Total Capital Liabilities | 1,36,58,424.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 4,68,129.00 | ||
| Balances with Banks and money at call and short notice | 1,05,714.00 | ||
| Investments | 27,52,337.00 | ||
| Advances | 90,58,125.00 | ||
| Fixed Assets | 1,03,659.00 | ||
| Other Assets | |||
| 1 | Other Assets | 11,70,460.00 | |
| Total of Other Assets | 11,70,460.00 | ||
| Total Assets | 1,36,58,424.00 | ||
| 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 | 01-07-2026 | 01-04-2026 | |||||
| Date of end of reporting period | 30-09-2026 | 30-09-2026 | |||||
| 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 | 45,813.00 | 92,691.00 | ||||
| 2 | Corporate Banking | 91,228.00 | 1,82,189.00 | ||||
| 3 | Retail Banking | 1,36,477.00 | 2,63,051.00 | ||||
| 4 | Other Banking Operations | 5,838.00 | 12,087.00 | ||||
| 5 | Unallocated | 40.00 | 3,191.00 | ||||
| Total Segment Revenue | 2,79,396.00 | 5,53,209.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 2,79,396.00 | 5,53,209.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 7,763.00 | 15,163.00 | ||||
| 2 | Corporate Banking | 18,458.00 | 36,844.00 | ||||
| 3 | Retail Banking | 35,779.00 | 66,743.00 | ||||
| 4 | Other Banking Operations | 980.00 | 1,900.00 | ||||
| 5 | Unallocated | (4,234.00) | (6,721.00) | ||||
| Total Profit before tax | 58,746.00 | 1,13,929.00 | |||||
| i. Finance cost | |||||||
| ii. Other Unallocable Expenditure net off Unallocable income | |||||||
| Profit before tax | 58,746.00 | 1,13,929.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 33,74,233.00 | 33,74,233.00 | ||||
| 2 | Corporate Banking | 45,33,248.00 | 45,33,248.00 | ||||
| 3 | Retail Banking | 54,49,168.00 | 54,49,168.00 | ||||
| 4 | Other Banking Operations | 4,759.00 | 4,759.00 | ||||
| 5 | Unallocated | 2,97,016.00 | 2,97,016.00 | ||||
| Total Segment Assets | 1,36,58,424.00 | 1,36,58,424.00 | |||||
| Un-allocable Assets | 0.00 | 0.00 | |||||
| Net Segment Assets | 1,36,58,424.00 | 1,36,58,424.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 30,30,552.00 | 30,30,552.00 | ||||
| 2 | Corporate Banking | 40,72,184.00 | 40,72,184.00 | ||||
| 3 | Retail Banking | 48,91,361.00 | 48,91,361.00 | ||||
| 4 | Other Banking Operations | 4,273.00 | 4,273.00 | ||||
| 5 | Unallocated | 2,66,638.00 | 2,66,638.00 | ||||
| Total Segment Liabilities | 1,22,65,008.00 | 1,22,65,008.00 | |||||
| Un-allocable Liabilities | 13,93,416.00 | 13,93,416.00 | |||||
| Net Segment Liabilities | 1,36,58,424.00 | 1,36,58,424.00 | |||||
| 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 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited |
| 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 | 1,13,929.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 5,568.00 | |
| 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 | 4,408.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 9,976.00 | |
| 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 | (9,20,096.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 5,19,226.00 | |
| Adjustments for provisions | 4,344.00 | |
| Total adjustments for working capital | (3,96,526.00) | |
| Total adjustments for reconcile profit (loss) | (3,86,550.00) | |
| Net cash flows from (used in) operations | (2,72,621.00) | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 21,173.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | (2,93,794.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | (2,93,794.00) | |
| 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 | 0.00 | |
| Purchase of tangible assets | 3,250.00 | |
| Proceeds from sales of intangible assets | 67.00 | |
| 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 | (3,183.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (3,183.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 209.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 1,15,965.00 | |
| Repayments of borrowings | 0.00 | |
| Dividends paid | 18,917.00 | |
| 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 | 97,257.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | 97,257.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (1,99,720.00) | |
| 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 | (1,99,720.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 7,73,563.00 | |
| Cash and cash equivalents cash flow statement at end of period | 5,73,843.00 | |
| 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. Batliboi & Purohit | Yes | 30-04-2028 | ||