The Karnataka Bank Limited — Q2FY27 earnings call summary
Filed 04 November 2026 · Official transcript
- NII INR982cr, +5% Q-o-Q, +35% Y-o-Y; NIM guidance 3%-3.4%, ROA 1.1%-1.35% for H2FY27
- Branch expansion: 31 new branches planned in FY27, targeting 1,000 total branches
- Cost-to-income improved to 52.68%; digital initiatives ongoing to enhance efficiency
- Q2FY27 aggregate business at INR2.07tn, +5% Q-o-Q, +17% Y-o-Y
- Gross advances INR920bn, +6% Q-o-Q, +25% Y-o-Y; focus on retail, agri, MSME growth
- Gross NPA 2.27%, Net NPA 0.74%, both improved Q-o-Q and Y-o-Y; PCR at 68%
- Management confident of 15%-20% advances growth in H2FY27 and sustained asset quality
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