| Margins | NIM improved to 3.20%, up 13 bps QoQ. |
|---|---|
| Order book | Gross Advances at INR 86,610 Cr. |
| Demand visibility | Strong credit growth in Retail, Agri, and MSME sectors. |
| Management confidence | High; citing stability and sustainable growth transitions. |
Growth
Net Interest Income grew 24.18% YoY to INR 938 Cr; Gross Advances increased 17% YoY to INR 86,610 Cr.
Outlook
Targeting RoA of 1.1%-1.35%, NIM of 3%-3.4%, and NNPA between 0.6%-0.8% for future performance.
Risks
CASA ratio saw a QoQ decline of 119 bps to 32.42%; slight increase in SMA-2 levels noted.
Last quarter's promises, checked
Delivered
- Guided GNPA < 3% → delivered 2.78% (= BEAT)
- Guided NNPA < 1% → delivered 0.98% (= BEAT)
- Guided CD Ratio 75%+ → delivered 76.61% (= BEAT)
Partly delivered
- Guided ROE ~15% → delivered 12.69% (= PARTIAL)
- Guided NIM 3%+ → delivered 2.88% FY / 3.07% Q4 (= PARTIAL)
Missed
- Guided Yield on Advances ~9% → delivered 8.94% (= MISS)
- Guided Cost to Income 55-56% → delivered 56.34% (= MISS)
Investor Presentation filed with NSE, NSE: KTKBANK. Summary written with AI assistance from 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.
More from Karnataka Bank Ltd
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- Execution
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