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Earnings Call

Karnataka Bank Earnings Call: Key Takeaways

Karnataka Bank reported strong Q4FY26 results with PAT at ₹408.19 Cr (up 40% QoQ). The Bank focuses on balance sheet consolidation and asset quality improvement under its transformation journey.

Why this was an Alfa AlertNot a filter event. Performance was largely within or near guided ranges (e.g., NNPA 0.98% vs 1-1.2% target).
Highlights
Revenue growthTotal Income (Net of Interest) grew 13.47% QoQ to ₹1,241.81 Cr.
MarginsNIM improved to 3.07% in Q4FY26 from 2.92% in Q3FY26.
Demand visibilityStrong 8% QoQ growth in Gross Advances to ₹83,340 Cr.

Growth

PAT grew 61.74% YoY; Net Interest Income rose 7.98% YoY to ₹842.95 Cr. Gross Advances increased 8% QoQ.

Outlook

Targets 3.0%-3.3% NIM and 1.1%-1.2% ROA. Focus on end-to-end digitization of MSME products and retail expansion.

Risks

Slight QoQ increase in other operating expenses; credit cost remains low but rising from 0.05% to 0.10% YoY.

Source

Earnings Call filed with BSE, NSE: KTKBANK. Summary written with AI assistance from the document.

Read the document ↗

Karnataka Bank Ltd: key numbers

Share price
₹335.50
Market cap
₹12,695 Cr
Revenue (annual)
₹8,918 Cr
Net profit (annual)
₹1,311 Cr
P/E (TTM)
8.8×Sector 22.0×
Promoter holding
0.00%+0.00% QoQ
FII holding
13.10%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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Karnataka Bank Adverse Business Impact

Karnataka Bank disclosed a one-day UFBU strike call for Sept 11, 2026, demanding a five-day banking week. Operations may be affected; loss impact is unquantifiable.

Execution
1 day (11.09.2026)
19:05 IST NSE
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