The Karnataka Bank Limited has informed the Exchange about Transcript
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Karnataka Bank filed the transcript of its Q4 FY25 earnings call held on May 14, 2025. Total business crossed Rs. 1,82,766 crore, up 7% year-on-year. Reported profit after tax for FY25 was Rs. 1,272 crore (vs Rs. 1,306 crore in FY24), but adjusting for a one-time pre-tax provision of Rs. 113 crore (accounting policy change on employee benefits and actuarial impact) and an AFS investment reserve change, adjusted PAT was Rs. 1,467 crore, up 12.3%. Q4 adjusted PAT grew 35% YoY to Rs. 372 crore. Net Interest Margin was 3.19% for FY25 and management guided to 3.2%–3.4% for FY26, expecting 10–20 bps improvement. Asset quality improved with gross NPA at 3.08% (down 45 bps YoY) and net NPA at 1.31%. Credit cost fell sharply to 0.37% from 0.84%, with FY26 guidance of about 0.5%. Capital adequacy stood strong at 19.85% and ROA guidance for FY26 is 1.1%–1.2% with ROE target of 12%–14%.
Shareholders get a mixed picture: headline PAT dipped due to one-time provisions, but underlying earnings power grew double-digit. Management's guidance points to improving margins, stable asset quality, and credit cost normalization in FY26, which are positive signals, though ROA and ROE are expected to only gradually recover to guided levels.