A private sector bank that takes deposits and lends across retail, corporate, and treasury books. For the nine months to 31 December 2024, retail banking contributed 44.3% of segment revenue, corporate banking 35.6%, treasury operations 15.7%, other banking operations 2.9%, and unallocated items 1.5%. Retail banking covers housing, vehicle, gold, agriculture and MSME loans; corporate banking covers mid-corporate advances that the bank has been growing to replace lower-yielding IBPC and food credit exposure. Treasury operations invest the bank's surplus in government securities and other instruments. The bank's aggregate business stood at ₹1,92,118 crore in FY26, comprising gross advances of ₹83,340 crore and deposits of ₹1,08,779 crore, with CASA at 33.61% of deposits. Q4 FY26 net profit was ₹408.19 crore and full-year FY26 net profit was ₹1,310.75 crore; NIM expanded to 3.07% in Q4 and cost-to-income improved to 50.47%. In Q1 FY27, gross advances rose to ₹86,610 crore, deposits to ₹1,10,396 crore, NIM to 3.20%, and the bank crossed ₹2 lakh crore of total business on 31 July 2026. The main cost driver is interest paid on deposits and borrowings, which funds the loan book. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (44%), Corporate Banking (36%), Treasury Operations (16%), Other Banking Operations (3%). Mid-sized, asset-heavy private sector bank with a deposit-funded lending model
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 508 | 1,180 | 1,307 | 1,273 | 1,311 |
| EPS, as reported (₹) | 16.36 | 37.87 | 39.84 | 33.70 | 34.67 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | (467) | 1,830 | 483 | 210 | 1,100 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 429 | 349 | 344 | 357 | 420 | 357 | 525 | 552 |
| Net profit | 336 | 284 | 253 | 293 | 319 | 291 | 408 | 419 |
| EPS (₹) | 8.90 | 7.51 | 6.68 | 7.74 | 8.44 | 7.69 | 10.80 | 11.08 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · Karnataka Bank meets analysts and investors at E&Y-hosted sessions | investor communications | low | — | — |
| 10 Sept 2026 · One-day bank strike notice for 11 September 2026 | capex operations | medium | — | — |
| 10 Sept 2026 · One-day strike notice from bank unions on September 11, 2026 | business updates | high | — | — |
| 8 Sept 2026 · ESOP allotment of 45,800 shares under 2023 stock option scheme | capital market events | low | — | — |
| 3 Sept 2026 · Three Deputy General Managers promoted to General Manager at Karnataka Bank | management changes | medium | — | — |
| 3 Sept 2026 · Karnataka Bank top management to meet analysts on Sept 10-11 | board shareholder meetings | low | — | — |
| 3 Sept 2026 · Karnataka Bank to meet analysts on Sep 10-11 in Mumbai | board shareholder meetings | low | — | — |
| 1 Sept 2026 · Karnataka Bank 102nd AGM notice published in newspapers | compliance | minimal | — | — |
| 1 Sept 2026 · Karnataka Bank 102nd AGM on September 22, 2026 via video conferencing | compliance | minimal | — | — |
| 31 Aug 2026 · AGM notice and Rs 5 dividend declared for FY26 | compliance | minimal | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 8.6 | 12.4 | 4 of 20 | 84% |
| Profit growth | 43.3 | 29.5 | 5 of 20 | 79% |
| Market cap | 12367 | 48154 | 16 of 20 | 21% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
