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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 14-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 05-May-2025
Description of presentation currency INR (in Actuals)
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 14-May-2025   10:00:00
End date and time of board meeting 14-May-2025   18:00:00
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


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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
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 17649600000 70093800000
Income on investments 3802100000 14662200000
Interest on balances with reserve bank of India and other inter bank funds 46400000 413700000
Others 1086500000 4966300000
Total interest earned 22584600000 90136000000
2 Other income 4216400000 12695700000
3 Total income 26801000000 102831700000
Expenses
4 Interest expenses 14777700000 57032000000
5 Operating expenses
(i) Employees cost 5283700000 15502100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating expenses 2986500000 12021900000
Total other operating Expenses 2986500000 12021900000
Total Operating Expenses 8270200000 27524000000
6 Total expenditure excluding provisions and contingencies 23047900000 84556000000
7 Operating profit before provision and contingencies 3753100000 18275700000
8 Provisions other than tax and contingencies 310600000 1864400000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 3442500000 16411300000
11 Provision for Tax 916300000 3682900000
12 Net profit (loss) from ordinary activities after tax 2526200000 12728400000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 2526200000 12728400000
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 2526200000 12728400000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 3779500000 3779500000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 112076900000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 19.85 19.85
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 6.68 33.7
Diluted earnings per share before extraordinary items 6.67 33.63
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 6.68 33.7
Diluted earnings per share after extraordinary items 6.67 33.63
(iv) NPA Ratios
Amount of gross non-performing assets 24020800000 24020800000
Amount of net non-performing assets 10045500000 10045500000
% of gross NPAs 3.08 3.08
% of net NPAs 1.31 1.31
Return on assets 0.81 1.06
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) 1. Networth is calculated as per guidelines under RBI Master Circular on Exposure Norms 2. Debt (excluding deposit) represents borrowings with residual maturity of more than one year and Equity represents total of share capital and reserves less proposed dividend. 3. Total debts represent total borrowings of the bank and total assets is as per the balance sheet. 4. Ratios are calculated basis Cumulative Daily Average Balance (CDAB).


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 3779500000
Reserves and surplus 117068800000
Deposits 1048062000000
Borrowings 19405500000
Other liabilities and provisions 21288700000
Total Capital Liabilities 1209604500000
2 ASSETS
Cash and Balances with Reserve Bank of India 75257300000
Balances with Banks and money at call and short notice 4585800000
Investments 245347600000
Advances 765414900000
Fixed Assets 9906700000
Other Assets 109092200000
Total Assets 1209604500000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
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 4512800000 16456400000
2 Corporate Banking 8064400000 35164400000
3 Retail Banking 12888400000 46997600000
4 Other Banking Operations 1212400000 2987000000
5 Unallocated 123000000 1226300000
Total Segment Revenue 26801000000 102831700000
Less: Inter segment revenue
Income from operations 26801000000 102831700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 467600000 1571000000
2 Corporate Banking 1028500000 6156500000
3 Retail Banking 1937900000 9591400000
4 Other Banking Operations 436500000 581500000
5 Unallocated -428000000 -1489100000
Total Profit before tax 3442500000 16411300000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 3442500000 16411300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 328799700000 328799700000
2 Corporate Banking 380376700000 380376700000
3 Retail Banking 466227200000 466227200000
4 Other Banking Operations 295700000 295700000
5 Unallocated 33905200000 33905200000
Total Segment Assets 1209604500000 1209604500000
Un-allocable Assets 0 0
Net Segment Assets 1209604500000 1209604500000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 296307900000 296307900000
2 Corporate Banking 342342600000 342342600000
3 Retail Banking 419219000000 419219000000
4 Other Banking Operations 266400000 266400000
5 Unallocated 30620300000 30620300000
Total Segment Liabilities 1088756200000 1088756200000
Un-allocable Liabilities 120848300000 120848300000
Net Segment Liabilities 1088756200000 1088756200000
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 March 31, 2025, the Bank has two DBUs.and the segment information disclosed above is related to the said DBUs




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
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
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 851100000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 885900000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 1737000000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -38231500000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 23956300000
Adjustments for provisions 1864400000
Total adjustments for working capital -12410800000
Total adjustments for reconcile profit (loss) -10673800000
Net cash flows from (used in) operations 5737500000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 3641900000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 2095600000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 2095600000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 16600000
Purchase of tangible assets 1627100000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash -5295400000
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -6905900000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -6905900000
5 Cash flows from used in financing activities
Proceeds from issuing shares 42200000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 6155400000
Repayments of borrowings 0
Dividends paid 2076900000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items 4120700000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 4120700000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes -689600000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents -689600000
Cash and cash equivalents cash flow statement at beginning of period 80532800000
Cash and cash equivalents cash flow statement at end of period 79843200000


Details of Impact of Audit Qualification
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-Mar-2028
2 M/s Ravi Rajan & Co LLP Yes 31-May-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date