Karnataka Bank Q4 FY26 Earnings Call Transcript Released
Karnataka Bank released its Q4 FY26 earnings call transcript. The bank reported its highest-ever aggregate business at ₹1,92,118 crore and PAT of ₹1,310.50 crore for FY25-26. GNPA improved to 2.78% and NNPA to 0.98%. For FY27, the bank projects 15% business growth, 15-20% advance growth, and maintains a target ROA of 1% plus.
The announcement pertains to the detailed financial performance and future outlook of the company, directly impacting investor sentiment and strategic decisions.
The company reported strong financial results, exceeding previous guidance in several key metrics and achieving record business volumes and profits. The outlook for the next fiscal year remains positive with clear growth targets.
Karnataka Bank Limited has released the transcript of its post-results analysts and institutional investors audio conference call held on May 20, 2026. The call discussed the Audited Standalone & Consolidated Financial Results for the quarter and financial year ended March 31, 2026.
During the call, Mr. Raghavendra S Bhat, MD & CEO, highlighted the bank's performance against guidance, noting that total business reached ₹1,92,118 crores, gross advances were ₹83,339.92 crores, and deposits stood at ₹1,08,778.75 crores. CASA was ₹36,559 crores with a CASA percentage of 33.61%. GNPA was reported at 2.78% and NNPA at 0.98%. NIM for Q4 FY26 was 3.07%, and the cost to income ratio was 50.47% for Q4 FY26. ROA was 1.05% and ROE for FY26 was 10.36% (Q4 FY26 was 12.69%).
The bank reported its highest-ever aggregate business and PAT for FY25-26. Gross NPA improved by 54 basis points QoQ to 2.78%, and Net NPA improved by 33 basis points QoQ to 0.98%. The Provision Coverage Ratio (PCR) stood at 65.39% (excluding technically written off accounts) and 83.54% (including them).
Looking ahead, the bank provided guidance for the current fiscal year, expecting overall business growth of around 15%, deposit growth between 10% to 15%, and advance growth of 15% to 20%. They aim to maintain a CASA percentage of over 33% and a CD ratio of 80%. ROA is expected to be 1% plus, and the cost-to-income ratio is projected to be between 52% to 53%. The bank is focusing on growing its Retail, Agri, and MSME (RAM) segment and stabilizing the corporate portfolio with higher-yielding assets. Digital and technology initiatives, including leveraging AI tools and planned system revamps, are also underway.
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The Karnataka Bank Limited filed this with the NSE as a statutory disclosure, categorised under other investor communications. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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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.