The Karnataka Bank Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Revenue growth is consistent, reaching ₹2026.59 Cr in Q3 2023, up from ₹1958.74 Cr in Q2 2023.
Operating expenses decreased to ₹623.71 Cr in Q4 2023, enhancing net margins.
Strong other income at ₹299 Cr in Q4 2023, reflecting diversified income sources.

NEGATIVES

Net profit dropped to ₹330.24 Cr in Q3 2023 from ₹370.73 Cr in Q2 2023, indicating profitability concerns.
Profit before tax fell to ₹402.26 Cr in Q3 2023, down from ₹449.63 Cr in Q2 2023, suggesting declining operational efficiency.
Higher interest expenses of ₹1,374.63 Cr in Q4 2023 could pressure future profits.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	2,026.59	2,112.61	2,200.56	2,277.99	2,234.13	2,243.02	2,258.46	2,261.28
Expenses	1,754.10	1,898.34	2,120.09	1,998.34	2,043.49	2,108.98	2,304.79	2,152.27
Financing Profit	272.49	214.27	80.47	279.65	190.64	134.04	-46.33	109.01
Other Income	249.64	326.07	419.41	279.01	269.92	299	421.64	358.37
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	402.26	395.92	315.16	518.40	429.23	349.25	344.25	356.58
Tax	72.02	64.71	40.73	117.97	92.99	65.70	91.63	64.08
Net Profit	330.24	331.21	274.43	400.43	336.24	283.55	252.62	292.50
Gross Npa %	3.47	3.64	3.53	3.54	3.21	3.11	3.08	3.46
Net Npa %	1.36	1.55	1.58	1.66	1.46	1.39	1.31	1.44