Karnataka Bank's focus in developing Retail, Mid-market and Direct-to-Corporate lending businesses is picking up steam as reflected in the book growth during the last few quarters. The Bank is well-positioned on the Liability franchise, digital and branch-led distribution. Based on sound financial parameters achieved during the year, substantial improvement in the book quality and improved technology platforms and processes, the outlook for FY’25-26 looks very promising.”

FY25 was a year marked by macroeconomic headwinds, tightening liquidity, and pressure on Net Interest Margins (NIMs). Despite these, we demonstrated resilience and adaptability, delivering a stable performance and reinforcing our strategic priorities. A key driver of our progress this year was our increased focus on the retail segment. By deepening customer engagement, expanding digital offerings, and tailoring financial products to meet evolving household and small business needs, we achieved healthy growth in retail advances and improved portfolio diversification. Looking ahead, we believe our sharpened focus on retail banking, combined with a robust digital backbone and customer-centric approach, positions us well for sustained, inclusive growth. We thank all our stakeholders for their continued trust and support.”