Karnataka Bank Ltd

Karnataka Bank Q3 FY26: NII Up 8.8%, PAT Down 8.9% 📊

- Net interest income (NII) increased 8.8% QoQ to ₹792.06 crore

- Gross advances grew 5% QoQ to ₹77,283 crore

- Retail advances grew 3% QoQ to ₹40,453 crore

- Deposits increased 1% QoQ to ₹104,112 crore

- CASA rose 3% QoQ to ₹32,829 crore

- Net interest margin (NIM) improved by 20 basis points to 2.92%

- Profit after tax (PAT) declined 8.9% QoQ to ₹290.79 crore

- Return on assets (ROA) at 0.92%

- Return on equity (ROE) at 9.06%

- Gross NPA decreased to 3.32% (down 1 bps QoQ)

- Net NPA decreased to 1.31% (down 4 bps QoQ)

- Provision coverage ratio (excl. TWO) rose to 61.23%

- Standard restructured portfolio declined 8% QoQ to ₹868 crore

- Credit cost for the quarter was 0.11%

- Digital initiatives included upgraded mobile banking app and supply chain finance

- Digital downloads increased by over 75,000 in Q3

- Pan-India presence with 9,148 employees as of December 31, 2025

- Focus on retail, agriculture, and MSME segments