Karnataka Bank Ltd (NSE:KTKBANK)

Q3 2026 Karnataka Bank Ltd Earnings Call Transcript

Feb 11, 2026 / 10:00 AM GMT

Release Date Price: ₹205.56 (-0.55%)

Transcript

Key Points

Positve

Karnataka Bank Ltd (BOM:532652) reported a 3% increase in aggregate business, reaching INR 181,394 crore as of December 31, 2025.
The bank's CASA deposits grew by 3% quarter-on-quarter, highlighting a strategic focus on optimizing funding costs.
Net interest income for Q3 FY26 increased by 8.8%, reflecting improved profitability.
The bank's gross advances grew by 5% from the previous quarter, driven by growth in the MSME, housing, and gold loan portfolios.
Karnataka Bank Ltd (BOM:532652) has successfully reduced its reliance on high-cost bulk deposits, which now constitute a smaller percentage of total deposits.

Negative

The bank's net interest margin (NIM) faced pressure due to falling yields on advances, despite a reduction in the cost of deposits.
Gross NPA percentage showed only a marginal improvement, indicating ongoing challenges in asset quality management.
The cost-to-income ratio remains relatively high at 58.72%, suggesting room for operational efficiency improvements.
The bank's return on assets (ROA) decreased to 0.92% from 1.03% in the previous quarter, indicating a decline in overall profitability.
There is a notable delay in the recovery of restructured loans, with the restructured portfolio showing only a slight reduction.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

KBNK.NS - Karnataka Bank Ltd
Q3 2026 Karnataka Bank Ltd Earnings Call
Feb 11, 2026 / 10:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen

Good day and welcome to Karnataka Bank Q3 F.

5,202,526 financial results conference call.

Hosted by Karnataka Bank

As a reminder, all participant lines will be in the list only more, and there will be an opportunity for you to ask question the presentation concludes.

Should you need assistance during the conference call.

Please signal and bitplaing stars and 0 on a touchstone phone.

Please note that this conference is being recorded.

Mr.

Raghavendra S.

Pat, Managing Director and CEO from Karnataka Bank, who is on the line along with his top management team.

Mr.

Raja BS, Chief Operating Officer

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