KARNATAKA BANK LTD.
P&L
Quarterly Consolidated
vs Q2 FY26
Karnataka Bank's Aggregate Business Grows by 3% to Rs. 1,81,394.37 Crores in Q3 FY26
10 Feb 2026 · 10 Feb, 7:13 pm
Summary
Karnataka Bank's aggregate business grew by 3% to Rs. 1,81,394.37 crores in Q3 FY26. The bank's gross advances stood at Rs. 77,282.85 crores with a QoQ growth of 4.9% and aggregate deposits stood at Rs. 1,04,111.52 crores with a QoQ growth of -1.3%. The bank recorded a net profit of Rs. 290.79 crore in Q3 FY26. Asset quality improved with GNPA declining to 3.32% and NNPA improving to 1.31%.
Key Highlights
- 1
Aggregate Business stands at Rs. 1,81,394.37 crores with a 3% QoQ increase
- 2
Gross Advances stand at Rs. 77,282.85 crores with a 4.9% QoQ growth
- 3
Aggregate Deposits stand at Rs. 1,04,111.52 crores with a -1.3% QoQ growth
- 4
Net profit of Rs. 290.79 crore in Q3 FY26
- 5
Asset quality improved with GNPA declining to 3.32% and NNPA improving to 1.31%
- 6
Capital Adequacy Ratio stands at 19.94% compared to 20.84% as of September 2025
- 7
Liquidity Coverage Ratio stands at 186.84% as on 31st December 2025
Management Comments
Shri Raghavendra S. Bhat
Managing Director & CEO
During the quarter, the Bank recorded QoQ growth of 5% in Advances and showed an improvement in asset quality. Our focus on the RAM (Retail, Agriculture, and MSME) segments, and pursuing a strong base in low-cost deposits has started accruing benefits to the Bank. The distribution ecosystem has been strengthened with rigorous processes, leading to the accretion of a high-quality credit portfolio. Digital transformation initiatives are gaining traction, with the development of new products and platforms to enhance customer experience and improve operational efficiency. Various analytical tools have been embedded into the core business processes, enabling analytics-driven decision-making and supporting predictive and strategic use cases to drive efficiency and deeper insights across the Bank.
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