| Management target | Revenue 15.0% FY27 |
|---|
| Revenue growth | Net Interest Income grew 35% YoY; overall business up 17% YoY. |
|---|---|
| Margins | NIM at 3.17%, impacted by one-off interest on tax in Q1. |
| Demand visibility | Strong demand in RAM (Retail, Agri, MSME) segments. |
| Management confidence | High; emphasizing structural transformation and digital adoption with human touch. |
Growth
Aggregate business grew 17% YoY; Gross Advances rose 25% YoY fueled by a 19% increase in RAM segment loans.
Outlook
Management guides for NIM of 3.0%-3.4% and ROA above 1.1% for H2 FY27.
Risks
Potential margin compression from rising cost of funds and agricultural stress due to scanty rainfall in Karnataka.
Earnings Call Transcript filed with BSE, NSE: KTKBANK. Summary written with AI assistance from the document.
Karnataka Bank Ltd: key numbers
- Share price
- ₹298.20
- Market cap
- ₹11,285 Cr
- Revenue (annual)
- ₹8,918 Cr
- Net profit (annual)
- ₹1,311 Cr
- P/E (TTM)
- 7.3×Sector 19.1×
- 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.
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- Key figure
- Net profit ₹435.9 Cr · +36.6% YoY
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