The Karnataka Bank Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
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Karnataka Bank reported flat total income of Rs 10,320.72 crore for FY26 vs Rs 10,283.12 crore in FY25. Net profit grew 3% to Rs 1,310.50 crore from Rs 1,272.37 crore, driven by improved asset quality and operational efficiency. Provisions and contingencies nearly doubled to Rs 316.07 crore from Rs 186.44 crore. Gross NPA improved to 2.78% from 3.08% and Net NPA to 0.98% from 1.31%. Capital adequacy ratio strengthened to 20.07% with a healthy debt-equity ratio of 0.02x. Borrowings increased significantly to Rs 5,329 crore from Rs 1,940.55 crore. The board recommended a final dividend of Rs 5 per share (50% of face value). Auditors issued an unmodified opinion on both standalone and consolidated results.
The bank shows healthy profitability growth and improved asset quality with strong capital buffers. The jump in provisions suggests continued caution on credit quality. The dividend offer provides shareholder returns while maintaining adequate capital. Overall stable performance with no red flags from auditors.