Karnataka Bank's Q3 FY 2025-26 Quarterly Results

Result Summary

• Karnataka Bank Ltd reported a -0.0% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 0.8%.
• Its expenses for the quarter were down by 0.6% QoQ and 1.8% YoY.
• The net profit decreased 8.9% QoQ and increased 2.5% YoY.
• The earnings per share (EPS) of Karnataka Bank Ltd stood at 7.68 during Q3 FY 2025-26.

Financial Statments for Q3 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

## Company Overview
Karnataka Bank Ltd is a prominent player in the Indian banking sector, headquartered in Mangalore, Karnataka. Established in 1924, the bank offers a comprehensive range of financial products and services, including retail and corporate banking, loans, deposits, and investment services. The bank operates with a robust network of branches across the country, providing services to a diverse clientele. Recent developments in the banking sector, such as digital banking initiatives and regulatory changes, may have an impact on the bank's operations. However, specific recent major developments related to Karnataka Bank Ltd are not available in the provided data.

## Revenue
In the third quarter of fiscal year 2026 (Q3FY26), Karnataka Bank Ltd reported a total income of ₹2522.33 crores. This represents a marginal decrease of 0.0% compared to the previous quarter (Q2FY26) where the total income was ₹2522.58 crores. On a year-over-year basis, there was a decrease of 0.8% from Q3FY25, where the income stood at ₹2542.02 crores. Despite the slight fluctuations in revenue, the income figures indicate a stable revenue stream for the bank over the quarters.

## Profitability
The profitability metrics for Karnataka Bank Ltd in Q3FY26 show a mixed performance. The bank's profit before tax amounted to ₹356.93 crores, experiencing a decrease of 15.0% from ₹420.08 crores in Q2FY26. However, when compared to Q3FY25, there is a slight increase of 2.2% from ₹349.25 crores. The profit after tax for Q3FY26 was ₹290.78 crores, which is a decrease of 8.9% from the previous quarter but reflects a 2.5% increase from the same quarter last year. The earnings per share (EPS) followed a similar trend, showing an 8.9% decrease quarter-over-quarter but a 2.5% increase year-over-year.

## Operating Metrics
Karnataka Bank Ltd's operating expenses showed a slight reduction in Q3FY26, with total expenses amounting to ₹2070.55 crores, down by 0.6% from the previous quarter and by 1.8% compared to the same quarter the previous year. Provisions and contingencies saw a significant increase of 373.1% from ₹20.05 crores in Q2FY26 to ₹94.85 crores in Q3FY26, and a 13.2% increase year-over-year. The tax expense for the quarter was ₹66.15 crores, showing a 34.4% decrease from Q2FY26 and a marginal increase of 0.7% from Q3FY25. These metrics highlight the bank's operating dynamics over the quarters in question.