The Karnataka Bank Limited — Investor Meet, 21-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Karnataka Bank reported FY'25 PAT of Rs. 1272 Cr, slightly down YoY due to accounting changes, with adjusted PAT up 12.3%. Total business rose 7% to Rs. 1.83 lakh Cr; advances grew 6.8% to Rs. 78,000 Cr, led by strong Retail, Agri, and Mid-Market loan growth. NIM stood at 3.19%, expected to improve 10-20 bps. Asset quality improved with GNPA at 3.08% and credit cost at 0.05% in Q4. The bank added 31 branches and 39 e-lobbies, focusing on digital, partnerships, and new retail loan products. FY'26 guidance includes ~14% advance growth to Rs. 90,000 Cr, NIM of 3.2-3.4%, improved cost-to-income ratio (~55%) and ROE of 12-14%, driven by retail and corporate segments with strong asset quality and cost control.