	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	C 2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	732	904	1,056	1,169	1,303	1,491	1,858	1,905	2,030	2,183	2,491	3,185	3,299	3,310	3,119
Non-Interest Revenue	-	274	355	372	330	594	590	614	831	907	386	410	737	720	-
Total Revenue	732	1,177	1,411	1,541	1,633	2,085	2,448	2,519	2,861	3,090	2,877	3,595	4,036	4,030	3,119
Total Operating Expenses	444	711	977	982	561	1,617	2,138	1,912	2,319	2,476	2,183	2,154	2,473	2,389	1,460
Operating Profit	289	466	434	560	1,072	468	310	607	542	614	695	1,441	1,563	1,641	1,658
Operating Margin	39.4	39.6	30.8	36.3	65.6	22.5	12.7	24.1	18.9	19.9	24.1	40.1	38.7	40.7	53.2
Profit before Taxes	289	464	409	559	528	468	310	608	522	612	694	1,440	1,563	1,641	1,658
Income Taxes	43	116	98	108	113	16	-15	131	90	129	186	261	256	368	348
Profit after Tax	246	348	311	451	415	452	326	477	432	482	508	1,180	1,307	1,273	1,311
PAT Margin	33.6	29.6	22.0	29.3	25.4	21.7	13.3	18.9	15.1	15.6	17.7	32.8	32.4	31.6	42.0
EPS - Basic - ex Extraordinary Items	9.68	13.69	12.23	17.74	16.32	17.62	10.47	15.35	13.89	15.52	16.34	37.87	39.85	33.70	34.67
EPS - Diluted - ex Extraordinary Items	9.67	13.67	12.22	17.73	16.32	17.62	10.47	15.35	13.89	15.47	16.27	37.64	39.67	33.63	34.61
EBIT	289	466	434	560	1,072	468	310	607	542	614	695	1,441	1,563	1,641	1,658
EBITDA	311	490	459	560	1,114	518	360	662	606	687	768	1,527	1,634	1,726	1,765
EBITDA Margin	42.4	41.6	32.6	36.3	68.2	24.8	14.7	26.3	21.2	22.2	26.7	42.5	40.5	42.8	56.6

Balance Sheet

Abridged

Understanding Balance Sheet

The Karnataka Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	1,866	1,954	3,111	3,437	3,547	3,804	4,417	4,047	3,532	5,351	4,393	6,055	8,075	7,946	7,736
Lending & LT Balance with Banks	17,999	-	185	63	311	298	19	161	139	429	423	428	306	425	-
Property Plant & Equipment - Net	152	167	197	292	307	721	762	775	826	838	818	875	915	991	1,060
Total Assets	36,322	41,727	47,029	51,837	56,500	64,127	70,374	79,046	83,313	85,615	91,583	99,057	1,16,083	1,20,960	1,29,355
Deposits - Total	31,608	36,056	40,583	46,009	50,488	56,733	62,871	68,452	71,785	75,654	80,387	87,368	98,057	1,04,806	1,08,777
Long Term Debt	830	-950	1,915	1,038	1,051	833	816	3,326	4,065	1,765	2,314	1,563	4,400	1,941	5,329
Total Liabilities	33,723	38,870	43,977	48,448	52,810	58,984	64,964	73,261	77,343	78,973	84,489	90,845	1,05,236	1,08,876	1,16,131
Total Shareholders' Equity	2,598	2,857	3,052	3,389	3,691	5,143	5,410	5,785	5,970	6,642	7,094	8,212	10,848	12,085	13,224
Total Equity	2,598	2,857	3,052	3,389	3,691	5,143	5,410	5,785	5,970	6,642	7,094	8,212	10,848	12,085	13,224
Total Liabilities & Equity	36,322	41,727	47,029	51,837	56,500	64,127	70,374	79,046	83,313	85,615	91,583	99,057	1,16,083	1,20,960	1,29,355

Cash Flow

Abridged

Understanding Cash Flow Statement

The Karnataka Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	C 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	436	435	710	463	746	832	1,343	1,358	1,583	1,866	1,588	2,273	1,822	1,637	1,733
Working Capital - Increase/(Decrease)	-557	-332	-306	185	-110	-1,016	-622	-3,589	-1,672	1,503	-2,056	-443	-4,042	1,647	-5,095
Net CF from Operating Activities	-122	103	404	648	636	-184	721	-2,231	-90	3,368	-467	1,830	-2,221	3,284	-3,362
Capital Expenditures - Net	28	39	54	80	58	40	91	68	56	87	56	87	111	161	88
Net CF from Investing Activities	-28	-40	-54	-80	-58	-40	-91	-68	-56	-87	-56	-88	-111	-691	-88
Dividends Paid - Cash - Total	65	76	87	87	113	112	136	102	119	-	56	125	156	208	189
Stock - Issuance/(Retirement) - Net	0	0	0	0	0	655	0	0	0	0	2	7	1,485	4	2
Debt - LT & ST - Issuance/(Retirement) - Total	93	101	121	-204	-34	-90	-167	2,410	-425	-885	-301	99	2,837	-2,459	3,388
Net Cash Flow from Financing Activities	29	25	34	-291	-147	453	-303	2,307	-545	-885	-355	-19	4,165	-2,663	3,201
Free Cash Flow to Equity	-56	164	471	364	544	-313	463	111	-571	2,396	-824	1,841	505	664	-61
Free Operating CF net dividend	-216	-12	260	480	464	-338	493	-2,402	-266	3,281	-580	1,616	-2,489	2,914	-3,640
Free Operating CF	-151	63	347	567	577	-225	629	-2,300	-147	3,281	-524	1,741	-2,332	3,121	-3,450

Business Segment Analysis

FY End:

Mar 25

The Karnataka Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Unallocated (46.9%)₹ 4,821.66 CrCorporate Banking (34.2%)₹ 3,516.44 CrTreasury Operations (16.0%)₹ 1,645.64 CrOther Banking Operations (2.9%)₹ 298.70 CrRetail banking DBU (0.0%)₹ 0.54 CrRetail Banking Other Retail (0.0%)₹ 0.19 Cr

Assets

Unallocated (39.6%)₹ 46,600.55 CrCorporate Banking (32.4%)₹ 38,037.67 CrTreasury Operations (28.0%)₹ 32,879.97 CrOther Banking Operations (0.0%)₹ 29.57 CrRetail banking DBU (0.0%)₹ 13.92 CrRetail Banking Other Retail (0.0%)₹ 8.25 Cr

Regional Segment Analysis

FY End:

Mar 25

The Karnataka Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 4,030.26 Cr

Assets

India (100.0%)₹ 1,20,960.46 Cr

Historical Segment Analysis

Track how The Karnataka Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for The Karnataka Bank Ltd..

Frequently Asked Questions

What is the revenue of The Karnataka Bank Ltd.?

The latest trailing twelve month revenue of The Karnataka Bank Ltd. is ₹ 4,521.70 Cr, reflecting a 1-year growth of -1.27% and a 3-year CAGR of 2.67%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of The Karnataka Bank Ltd.?

The latest trailing twelve month net profit (PAT) of The Karnataka Bank Ltd. is ₹ 1,310.75 Cr, with a 3-year earnings CAGR of -2.76%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of The Karnataka Bank Ltd.?

The trailing twelve month EBITDA of The Karnataka Bank Ltd. is approximately ₹ 1,658.35 Cr (based on an operating margin of 36.68%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of The Karnataka Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of The Karnataka Bank Ltd. is 34.61. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of The Karnataka Bank Ltd.?

The debt-to-equity ratio of The Karnataka Bank Ltd. stands at 0.40. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of The Karnataka Bank Ltd.?

The estimated book value per share of The Karnataka Bank Ltd. is 356.17 (derived from a P/B ratio of 0.75 and market price of ₹ 267.75), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of The Karnataka Bank Ltd.?

The trailing twelve month operating cash flow of The Karnataka Bank Ltd. is ₹ -3,361.55 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does The Karnataka Bank Ltd. report consolidated or standalone financials?

The Karnataka Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.