The Karnataka Bank Limited has informed the Exchange about Investor Presentation
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Karnataka Bank submitted its Q4 FY25 investor presentation to the exchanges on May 14, 2025. For FY25, deposits grew 7% YoY to Rs. 1,04,807 crore and gross advances rose 6.8% to Rs. 77,959 crore, with retail advances up 15.4% YoY. Profitability was under pressure: FY25 PAT fell 2.6% YoY to Rs. 1,272 crore and Q4 PAT dropped 8% to Rs. 252 crore, dragged by 14.1% rise in interest expenses, NIM compression (3.19% vs 3.52% in FY24), and one-time provisions including Rs. 113 crore actuarial impact and 12th Bipartite Settlement wage arrears. Adjusted for AFS reserves and penal charges reclassification, FY25 PAT would be Rs. 1,383 crore. Asset quality improved sharply: GNPA fell to 3.08% (-45 bps), NNPA to 1.31% (-27 bps), PCR rose to 81.42% (+220 bps), and credit cost halved to 0.37%. Management outlined forward targets: NIM 3.2-3.4%, ROA 1.1-1.2%, Cost-to-Income 53-56%, NNPA 0.9-1.1%, and CASA 30-32%.
Mixed near-term signals for shareholders: weak headline earnings and continued NIM compression in the short term are partially offset by strong improvement in asset quality, healthy loan growth, and management's clear forward targets suggesting a path to margin and return recovery. Investors should watch for execution on deposit re-pricing and retail loan growth to drive the guided NIM and ROA improvement.