The Karnataka Bank Limited — Investor Meet, 18-02-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Karnataka Bank's Q3 FY26 PAT stood at INR 290.79 Cr, a 9% Q-o-Q decline but a Y-o-Y increase. Net Interest Income (NII) grew 8.8% Q-o-Q to INR 792.06 Cr, with Net Interest Margin (NIM) improving to 2.92%. Gross advances rose 5% Q-o-Q to INR 77,283.85 Cr, led by Retail, Agri, and MSME (RAM) segments.

Gross NPA saw a slight Q-o-Q improvement to 3.32% (Net NPA 1.31%), and Provision Coverage Ratio (excluding technical write-offs) increased to 61.23%. Management focuses on boosting CASA (31.53%) and reducing high-cost bulk deposits to optimize funding. Cost of funds and cost-to-income ratio (58.72%) are also improving. Return on Assets (ROA) was 0.92%, with a 1.1%+ target by year-end. Management expressed confidence in sustained growth and enhanced profitability.