| 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
- ₹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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