Karnataka Bank Q3 FY26: Transcript of Post-Results Analyst Call Released
Karnataka Bank released the Q3 FY26 earnings call transcript on Feb 11, 2026. The bank reported aggregate business of ₹1,81,394 crore, up 3% Q-o-Q. PAT stood at ₹290.79 crore. Gross advances grew 5% Q-o-Q to ₹77,283.85 crore. CASA deposits were 31.53%. NIM was 2.92%, with a target of 3% plus.
This is a transcript of an earnings call, providing detailed commentary on the company's financial performance and strategy. While it doesn't introduce new information, it offers deeper insights and management perspectives that are crucial for investors and analysts in understanding the company's trajectory.
The announcement is a transcript of an earnings call, which is informational. While it details financial performance and strategic initiatives, it doesn't present new material positive or negative developments beyond what was likely covered in the initial results release. The tone is generally factual and forward-looking.
Karnataka Bank Limited has released the transcript of its post-results analysts and institutional investors audio conference call. The call, held on February 11, 2026, discussed the unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025.
During the call, the management, led by MD and CEO Mr. Raghavendra S. Bhat, highlighted key strategic priorities. These included strengthening retail and MSME growth, optimizing funding costs by increasing CASA and reducing reliance on high-cost deposits, and sustaining asset quality while focusing on core profitability metrics like NIM.
The bank reported aggregate business at ₹1,81,394 crores as of December 31, 2025, a 3% increase quarter-on-quarter. PAT for Q3 FY26 was ₹290.79 crores, a 9% decrease from Q2 FY26 but an increase from ₹283.60 crores in Q3 FY25. Gross advances stood at ₹77,283.85 crores, with a 5% Q-on-Q growth, primarily driven by MSME, housing, and gold loans. Aggregate deposits reached ₹1,04,111.52 crores, with CASA deposits at 31.53% of total deposits.
Net interest income for Q3 FY26 was ₹792.06 crores, an 8.8% increase Q-on-Q, with Net Interest Margin (NIM) at 2.92%. The bank aims to bring NIM back to around 3% plus. Gross NPA improved by 1 basis point to 3.32%, and Net NPA improved by 4 basis points to 1.31%. The Provision Coverage Ratio (PCR), excluding technical write-offs, improved to 61.23%.
Management expressed confidence in achieving a 1% plus ROA by the end of March FY26 and reiterated their commitment to sustainable growth, operational excellence, and customer-centricity.
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The Karnataka Bank Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by The Karnataka Bank Limited. Read the original for the full detail.