ALFA Finder| Revenue growth | NII grew 24% YoY to INR 938.29 Cr. |
|---|---|
| Margins | NIM improved to 3.20% from 2.82% YoY; yield on advances 8.68%. |
| Order book | Gross Advances at INR 86,610 Cr; pipeline of new retail products. |
| Demand visibility | Steady private consumption; resilient domestic economic activity despite cost pressures. |
| Management confidence | High; management aims for 'better and best' performance this year. |
Growth
Aggregate business grew 11% YoY to INR 1,97,007 Cr; Gross Advances up 17% YoY; NII increased 24% YoY.
Outlook
Guidance of 15% overall business growth, aiming for 1.35%-1.40% ROA and opening 31-32 new branches in FY27.
Risks
Geopolitical West Asia conflict, potential deficient monsoon, elevated commodity prices, and inflationary pressures.
Last quarter's promises, checked
Delivered
- Guided Total Business 1,92,000 Cr → delivered 1,92,118 Cr (= BEAT)
- Guided CASA ratio 32-32.5% → delivered 33.61% (= BEAT)
- Guided NNPA < 1% → delivered 0.98% (= BEAT)
Partly delivered
- Guided Cost to Income 55-56% → delivered 56.34% (= PARTIAL)
- Guided ROE ~15% → delivered 12.69% (= PARTIAL)
Missed
- Guided Gross Advances 84,000-85,000 Cr → delivered 83,339.92 Cr (= MISS)
- Guided Yield on Advances ~9% → delivered 8.94% (= MISS)
Earnings Call Transcript filed with NSE, NSE: KTKBANK. Summary written with AI assistance from the document.
Karnataka Bank Ltd: key numbers
- Share price
- ₹359.35
- Market cap
- ₹13,599 Cr
- Revenue (annual)
- ₹8,918 Cr
- Net profit (annual)
- ₹1,311 Cr
- P/E (TTM)
- 8.8×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 16.30%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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Karnataka Bank Earnings Call Transcript: Key Takeaways
Karnataka Bank reported robust growth across key metrics, driven by retail expansion and strategic pruning of low-yield corporate exposure.
- Call
- Guides 15% growth
Karnataka Bank Investor Presentation: Key Takeaways
Q2 FY27: PAT ₹436 cr (+36.6% YoY), NII ₹982 cr (+34.9% YoY), gross advances ₹92,015 cr (+25% YoY), GNPA 2.27% (-106 bps YoY). Asset quality and CASA are the focus.
Karnataka Bank Results Update
Karnataka Bank's board approved Q2 FY27 results, with net profit of Rs.435.89 crore, up 37% YoY. Aggregate business hit an all-time high of Rs.2,07,132.41 crore.
Karnataka Bank Q2 FY27 Results: Net Profit ₹435.9 Cr, Up 36.6% YoY
Karnataka Bank Ltd reported revenue from operations of ₹2,504 Cr (+14.9% YoY) and net profit of ₹435.9 Cr (+36.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹435.9 Cr · +36.6% YoY
Karnataka Bank Management Change
Karnataka Bank's Chief Operating Officer, Mr. Raja B S, has resigned from the Bank's services, effective October 19, 2026, to pursue other career interests.