Karnataka Bank Q1 FY27 Share Price & Earnings Call Analysis

Financials of Karnataka Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Karnataka Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,9691,9592,0272,1132,2012,2782,2342,2432,2582,2612,1792,2202,257
Interest1,1091,1441,2041,2851,3671,3751,4011,4501,4781,5061,4511,4281,414
Expenses +823689670758938664674736865757652737717
Financing Profit3712615370-10423915957-84-27755126
Financing Margin %2%6%8%3%-5%11%7%3%-4%-0%4%2%6%
Other Income +395324250326419279270292428358343302399
Depreciation0000000000000
Profit before tax432450402396315518429349344356420357525
Tax %18%18%18%16%13%23%22%19%27%18%24%19%22%
Net Profit +354371330331274400336284252292319291408
EPS in Rs11.3311.8710.569.557.2710.618.907.506.687.748.447.6910.79
Gross NPA %3.74%3.68%3.47%3.64%3.53%3.54%3.21%3.11%3.08%3.46%3.33%3.32%2.78%
Net NPA %1.70%1.43%1.36%1.55%1.58%1.66%1.46%1.39%1.31%1.44%1.35%1.31%0.98%

Financials of Karnataka Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +4,6984,9925,1855,4245,9066,4756,2326,2227,2208,2999,0148,918
Interest3,5303,6893,6953,5664,0014,4444,0493,7314,0355,0005,7035,799
Expenses +1,1311,2751,7822,4522,2452,7062,9022,6772,6502,9832,8542,864
Financing Profit3827-292-594-340-676-719-186535316456255
Financing Margin %1%1%-6%-11%-6%-10%-12%-3%7%4%5%3%
Other Income +5075438099541,0021,2621,4049549931,3191,2701,403
Depreciation-14425050546474748672850
Profit before tax5595284683106085226126951,4411,5631,6411,658
Tax %19%21%3%-5%21%17%21%27%18%16%22%21%
Net Profit +4514154523264774324835091,1801,3061,2721,310
EPS in Rs14.5213.3514.5510.4715.3513.8915.5216.3537.7934.6333.6734.65
Dividend Payout %21%23%25%26%21%0%12%24%13%16%15%0%

Financials of Karnataka Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital188188283283283311311311312377378378
Reserves3,2013,5024,8605,1285,5035,6606,3316,7847,90110,47111,70712,846
Deposits46,60950,48856,73362,87168,45271,78575,65580,38787,36897,988104,807108,777
Borrowing4381,0518338163,3264,0651,7652,3141,5634,4001,9415,329
Other Liabilities +1,4011,2701,3301,2761,4831,4931,5531,7891,9142,8482,1282,025
Total Liabilities51,83756,50064,03970,37479,04683,31385,61591,58499,058116,085120,962129,355
Fixed Assets +2923077217627758268388058469159761,060
CWIP0000001132913140
Investments14,03216,25720,22015,44416,18517,54521,63522,04123,32624,30224,53726,737
Other Assets +37,51339,93743,09854,16862,08664,94263,14268,72574,85790,85595,435101,558
Total Assets51,83756,50064,03970,37479,04683,31385,61591,58499,058116,085120,962129,355

Financials of Karnataka Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +648636-184721-2,231-903,369-4671,8306812101,100
Cash from Investing Activity +-80-58-40-91-68-56-87-56-87-369-691-88
Cash from Financing Activity +-291-147453-3032,307-545-885-355-201,582412-1,260
Net Cash Flow2774312293279-6902,396-8791,7231,894-69-248
Free Cash Flow568578-224630-2,299-1463,282-5231,743570491,012
CFO/OP27%22%2%35%-55%3%111%-6%47%20%9%26%

Financials of Karnataka Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %14%12%10%6%9%7%8%7%15%14%11%10%

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What Karnataka Bank's management said in earlier quarters

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