Financials of Karnataka Bank Ltd

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

Financials of Karnataka Bank Ltd

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 Ltd

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 Ltd

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 Ltd

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 Ltd

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%