Karnataka Bank Ltd. announced the Unaudited Reviewed Standalone and Consolidated financial results for the quarter and nine months ended December 31, 2025. The Board of Directors approved these results on February 10, 2026. Key documents, including the Limited Review Report with an unmodified opinion, were submitted. The results also detail segment-wise performance, security cover certification, and utilization statements for capital raised.
Financial Results for Q3 FY2025-26
Karnataka Bank Limited submitted its Unaudited Reviewed Standalone and Consolidated financial results for the quarter ended December 31, 2025, and for the nine months ended the same date. The results were approved by the Board of Directors on February 10, 2026.
The following crucial reports were enclosed with the disclosure:
- The Limited Review Report from the Statutory Auditors, which expressed an unmodified opinion.
- Unaudited, Reviewed Standalone & Consolidated Financial Results.
- Security Cover Certificate as of December 31, 2025, for non-convertible debt securities.
- Utilisation Certificate and Statement of Material Deviation for the quarter ending December 31, 2025.
Key Standalone Financial Highlights (vs. prior period)
For the quarter ended 31-12-2025 (Unaudited):
- Total Income: ₹2,522.35 Crore.
- Total Expenditure (excluding provisions): ₹2,070.55 Crore.
- Profit Before Provisions & Contingencies: ₹451.80 Crore.
- Net Profit After Tax (from Ordinary Activities): ₹290.79 Crore.
- Earnings Per Share (Basic, Not Annualized): ₹7.69*.
- Capital Adequacy Ratio (Basel III): 19.94%.
- Gross NPA: 3.32% (as of the date).
For the nine months ended 31-12-2025 (Unaudited):
- Total Income: ₹7,664.54 Crore.
- Net Profit After Tax (from Ordinary Activities): ₹902.31 Crore.
- Earnings Per Share (Basic, Not Annualized): ₹23.87*.
Consolidated Financial Highlights (vs. prior period)
For the quarter ended 31-12-2025 (Unaudited):
- Net Profit After Tax (from Ordinary Activities): ₹290.78 Crore.
- Earnings Per Share (Basic): ₹7.69*.
For the nine months ended 31-12-2025 (Unaudited):
- Net Profit After Tax (from Ordinary Activities): ₹902.50 Crore.
- Earnings Per Share (Basic): ₹23.87*.
Segment Performance Summary (Standalone)
Segment revenue was led by Retail Banking, contributing ₹1,003.06 Crore in the quarter, followed by Corporate Banking at ₹923.60 Crore. Segment results before tax showed the strongest contribution from Corporate Banking at ₹273.17 Crore for the quarter.
Compliance and Disclosure Notes
The auditors confirmed that the disclosure requirements related to Security Cover for listed NCDs (ISIN: INE614B08054, issued March 30, 2022) were met, with the security cover being Nil as per the instrument terms. Furthermore, the Pillar 3 disclosures (LCR, NSFR) have been uploaded to the bank’s website.
The bank confirmed no deviation or variation in the utilization of funds raised during the quarter, and no stressed loans were transferred to ARCs.
Investor Grievance Status
Over the nine months ending December 31, 2025, the bank received 5 investor complaints and resolved 6, resulting in Nil unresolved complaints at the end of the period.
Source: BSE
