Karnataka Bank Ltd. announced its Unaudited Standalone and Consolidated financial results for the quarter and nine months ended December 31, 2025, approved by the Board on February 10, 2026. Key disclosures include the Limited Review Report with an unmodified opinion and various compliance certificates. Standalone Net Profit After Tax for the quarter reached ₹290.79 crore, compared to ₹319.12 crore in the preceding quarter. The Consolidated Capital Adequacy Ratio (CRAR) stood strong at 19.94%.
Board Approval and Audit Review
The Board of Directors of Karnataka Bank Ltd. approved the Unaudited Reviewed Standalone & Consolidated financial results for the quarter and nine months ended December 31, 2025, in a meeting held on Tuesday, February 10, 2026. The results have been subjected to a limited review by the Joint Statutory Auditors, who issued an unmodified opinion.
Key Disclosures Submitted
In compliance with relevant regulations, the bank submitted several required documents, including:
- The Limited Review Report of the Statutory Auditors.
- Unaudited, Reviewed Standalone & Consolidated Financial Results.
- The Security Cover Certificate as on December 31, 2025, for non-convertible debt securities.
- The Utilisation Certificate and Statement of Material Deviation for the quarter ended December 31, 2025.
Standalone Financial Performance Summary (₹ in Crore)
Quarter Ended December 31, 2025 vs. Previous Quarters
For the quarter ended 31-12-2025 (Unaudited), the Standalone results showed:
- Total Income: ₹2,522.35 crore.
- Total Expenditure (excluding provisions): ₹2,070.55 crore.
- Operating Profit before provisions: ₹451.80 crore.
- Net Profit After Tax: ₹290.79 crore, down from ₹319.12 crore in the previous quarter (30-09-2025).
- Earnings Per Share (Basic, not annualized): ₹7.69*.
- Gross NPA: 3.32%.
- Net NPA: 1.31%.
- Return on Assets (Annualised): 0.92%.
Nine Months Ended December 31, 2025
For the nine months ended December 31, 2025 (Unaudited):
- Total Income: ₹7,664.54 crore.
- Total Expenditure (excluding provisions): ₹6,305.41 crore.
- Net Profit After Tax: ₹902.31 crore.
- Earnings Per Share (Basic, not annualized): ₹23.87*.
Consolidated Financial Performance Summary (₹ in Crore)
Quarter Ended December 31, 2025
The Consolidated figures for the quarter:
- Total Income: ₹2,522.33 crore.
- Net Profit After Tax: ₹290.78 crore.
- Capital Adequacy Ratio (Basel III): 19.94%.
Nine Months Ended December 31, 2025
For the nine months ended December 31, 2025 (Consolidated):
- Total Income: ₹7,664.56 crore.
- Net Profit After Tax: ₹902.50 crore.
- Net Worth: ₹12,286.70 crore.
- Gross NPA: 3.32%.
Segmental Results Overview (Standalone)
Segment-wise results for the nine months ended December 31, 2025:
- Retail Banking Profit Before Tax: ₹616.60 crore.
- Corporate Banking Profit Before Tax: ₹522.48 crore.
- Total Assets (Unallocated): ₹4,261.52 crore.
Regulatory Compliance and Notes
The disclosure confirms that the Bank has not transferred any stressed loans (SMA) or NPAs/TWs during the quarter. Furthermore, the report details the status of the Tier 2 Subordinated Unsecured Non-Convertible Bonds (ISIN: INE614B08054), noting that funds raised (₹300.00 crore) were fully utilized for their stated purpose of capital adequacy.
The bank reported 6 investor complaints resolved against 5 received during the nine months ended December 31, 2025, resulting in Nil unresolved complaints at the end of the period. The Provision Coverage Ratio stood at 80.90% as of December 31, 2025.
Source: BSE
