The Karnataka Bank Limited — Investor Meet, 15-11-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Karnataka Bank reported Q2 FY26 PAT of ₹319.12 Cr, a 9.1% QoQ increase, with ROA at 1.03% and ROE at 10.14%. Net NPA improved to 1.35%. Management is strategically focused on Retail, Agri, and MSME (RAM) segment growth, reducing low-yielding corporate advances, and replacing IBPC loans. While NII and NIM (2.72%) were impacted by repo rate cuts, the bank aims for 3%+ NIM and 1.1-1.2% ROA by year-end, driven by a favorable asset mix and cost optimization. Operational enhancements include empowered regional heads and improved loan processing. The leadership expresses confidence in achieving growth targets and enhancing shareholder value.