The Karnataka Bank Limited Q4 FY26 earnings call summary

Earnings call of 20 May 2026, summarised by AI from the filing.

₹408.19 cr (Q3 FY26: ₹290.79 cr, +40%; Q4 FY25: ₹252.37 cr, +62%).

Key takeaways

1. Q4 PAT ₹408.19 cr (Q3 FY26: ₹290.79 cr, +40%; Q4 FY25: ₹252.37 cr, +62%).
2. Cost-to-income Q4 cost-to-income fell to 50.47% from 58.72% in Q3 FY26, driven by cost control and yield improvement.
3. RAM focus RAM advances grew to ₹51,197 cr from ₹49,152 cr in December 2025; retail growth driven by Housing, Agri, Gold and Vehicle Loans.
4. Geopolitical risk War in West Asia and rising input costs could weigh on growth; management remains cautious.

Original filing on BSE

The Karnataka Bank Limited Q1 FY27 results

As filed: Revenue ₹2,383 cr, EBITDA ₹196 cr, PAT ₹419 cr, EBITDA margin 8.2%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹2,257 cr, EBITDA ₹126 cr, PAT ₹408 cr, EBITDA margin 5.6%. Not scored. Bank result format: not scored yet. Share price after the results: +12.2% in 30 days (Nifty 500: +3.0%).
• Q3 FY26: Revenue ₹2,220 cr, EBITDA ₹54.7 cr, PAT ₹291 cr, EBITDA margin 2.5%. Not scored. Bank result format: not scored yet. Share price after the results: +9.7% in 30 days (Nifty 500: −7.8%).
• Q2 FY26: Revenue ₹2,179 cr, EBITDA ₹76.6 cr, PAT ₹319 cr, EBITDA margin 3.5%. Not scored. Bank result format: not scored yet. Share price after the results: +13.4% in 30 days (Nifty 500: 0.0%).
• Q1 FY26: Revenue ₹2,261 cr, EBITDA −₹1.4 cr, PAT ₹293 cr, EBITDA margin -0.1%. Not scored. Bank result format: not scored yet. Share price after the results: +3.8% in 30 days (Nifty 500: +2.4%).
• Q4 FY25: Revenue ₹2,258 cr, EBITDA −₹77.6 cr, PAT ₹253 cr, EBITDA margin -3.4%. Not scored. Bank result format: not scored yet. Share price after the results: −1.1% in 30 days (Nifty 500: +1.8%).
• Q3 FY25: Revenue ₹2,243 cr, EBITDA ₹50.0 cr, PAT ₹284 cr, EBITDA margin 2.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹2,234 cr, EBITDA ₹159 cr, PAT ₹336 cr, EBITDA margin 7.1%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

The Karnataka Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (30 Jul 2026), Results deck (30 Jul 2026), Results press release (29 Jul 2026)
• Q4 FY26: Earnings call (20 May 2026), Results deck (19 May 2026)
• Q3 FY26: Earnings call (11 Feb 2026), Results deck (10 Feb 2026), Results press release (10 Feb 2026)
• Q2 FY26: Earnings call (10 Nov 2025), Results deck (8 Nov 2025), Results press release (8 Nov 2025)
• Q1 FY26: Earnings call (13 Aug 2025), Results deck (12 Aug 2025), Results press release (12 Aug 2025)
• Q4 FY25: Earnings call (14 May 2025), Results deck (14 May 2025), Results press release (14 May 2025)