Karnataka Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• Karnataka Bank Ltd reported a 5.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 0.9%.
• Its expenses for the quarter were down by 1.4% QoQ and 11.4% YoY.
• The net profit increased 40.4% QoQ and increased 61.6% YoY.
• The earnings per share (EPS) of Karnataka Bank Ltd stood at 10.78 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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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 banking institution based in India. As part of the banking industry, the company offers a range of financial products and services, including retail banking, corporate banking, and treasury operations. The bank caters to both individual customers and businesses, providing services such as savings accounts, loans, credit facilities, and more. While specific recent major developments for Karnataka Bank Ltd are not available in the provided data, the company continues to play a significant role in the Indian financial sector.

Revenue

In the fourth quarter of the fiscal year 2026, Karnataka Bank Ltd reported a total income of ₹2656.18 crores. This represents a quarter-over-quarter (QoQ) increase of 5.3% from ₹2522.33 crores in the third quarter of fiscal year 2026. However, on a year-over-year (YoY) basis, there was a slight decrease of 0.9% compared to ₹2680.10 crores in the same quarter of the previous fiscal year. The data indicates fluctuations in the revenue stream over the quarters, which is typical for many businesses due to varying market conditions and internal factors.

Profitability

For Q4FY26, Karnataka Bank Ltd achieved a Profit Before Tax (PBT) of ₹524.76 crores, marking a significant QoQ increase of 47.0% from ₹356.93 crores in Q3FY26. Compared to the same quarter in the previous year, there is a YoY increase of 52.4% from ₹344.25 crores. The Profit After Tax (PAT) for Q4FY26 was ₹408.25 crores, up by 40.4% QoQ from ₹290.78 crores in Q3FY26 and up by 61.6% YoY from ₹252.62 crores in Q4FY25. The tax expense for the quarter also increased by 76.1% QoQ and 27.2% YoY. Earnings Per Share (EPS) for Q4FY26 was ₹10.78, reflecting the same growth percentages as PAT. These metrics highlight the profitability trends for the bank during the period.

Operating Metrics

Karnataka Bank Ltd's total expenses for Q4FY26 amounted to ₹2041.05 crores, showing a decrease of 1.4% from the ₹2070.55 crores reported in Q3FY26. On a YoY basis, the total expenses decreased by 11.4% from ₹2304.79 crores in Q4FY25. Provisions and contingencies for Q4FY26 were ₹90.37 crores, slightly down by 4.7% QoQ from ₹94.85 crores in Q3FY26 but significantly up by 191.0% YoY from ₹31.06 crores in Q4FY25. These figures indicate changes in the bank's operating expenses and provisioning policies across the reported periods.