The Karnataka Bank Limited — Q1FY27 earnings call summary

Filed 06 August 2026 · Official transcript

Q1 FY27 aggregate business at INR1,97,007 Cr, +3% Q-o-Q, +11% Y-o-Y
ROE 12.48%, ROA 1.29% in Q1 FY27; aiming 1.35-1.40% ROA for FY27
Branch expansion planned: 31-32 new branches in FY27
Gross NPA improved to 2.58%, Net NPA 0.87%; credit cost 0.03%
Focus on reducing bulk deposits, increasing retail deposits to optimize cost
Gross advances INR86,610 Cr, +4% Q-o-Q, +17% Y-o-Y; focus on retail, Agri, MSME growth
Net interest income INR938.29 Cr, +11% Q-o-Q, +24% Y-o-Y; NIM improved to 3.20%
PAT INR418.95 Cr, +3% Q-o-Q, +43% Y-o-Y