Karnataka Bank has announced its Q3FY26 financial results alongside the scheduling of its earnings conference call with analysts and institutional investors. The bank reported a profit after tax of ₹290.79 crore for the quarter ended December 31, 2025, while maintaining stable asset quality metrics. The earnings call is scheduled for February 11, 2026 at 03:30 PM IST to discuss the bank's financial performance.

Q3FY26 Financial Performance

The bank demonstrated steady operational performance during the quarter with total income reaching ₹1,094.36 crore. Net interest income grew to ₹792.06 crore, reflecting an 8.78% quarter-on-quarter increase from ₹728.12 crore in Q2FY26.

Balance Sheet Growth and Asset Quality

The bank's gross advances recorded significant growth, increasing 5% quarter-on-quarter from ₹73,644 crore to ₹77,283 crore. Total deposits grew to ₹1,04,112 crore, with CASA deposits reaching ₹32,829 crore, representing a 3% quarterly growth and maintaining a CASA ratio of 31.53%.

Asset quality metrics showed improvement with Gross NPA decreasing to 3.32% from 3.33% in the previous quarter. Net NPA also improved to 1.31% from 1.35%, while the provision coverage ratio (excluding technical write-offs) increased to 61.23%.

Conference Call and Investor Presentation

The bank has organized a comprehensive setup for the earnings call, restricting participation to analysts and institutional investors only. The call will be conducted via dial-in conference format, with extensive international dial-in options available for participants across multiple countries including Argentina, Australia, Belgium, Canada, and others.

The bank has submitted the investor presentation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The presentation materials will be filed with stock exchanges and hosted on the bank's website at https://karnatakabank.bank.in/investors/quarterly-results following the declaration of financial results.

Digital Transformation and Business Metrics

The bank continued its digital transformation journey with the launch of KBL Mobile Plus featuring new UI/UX and achieved 0.75 lakh additional mobile application downloads during Q3FY26. The bank also went live with Supply Chain Finance and revamped credit policies across key products including Housing, Mortgage, Lease N Cash, Gold, and MSME loans.

The bank maintained a strong capital adequacy ratio of 19.94% and achieved a return on assets of 0.92% for the quarter. Employee strength reached 9,148 as of December 31, 2025, with female employment growing by approximately 7% during the nine months of FY26.

Karnataka Bank 's Board of Directors has approved the re-appointment of two Independent Directors for extended three-year terms, reinforcing the bank's commitment to strong corporate governance. The decision was taken during a Board meeting held on January 27, 2026, following recommendations from the Nomination & Remuneration Committee.

Director Re-appointments Approved

The Board has approved the re-appointment of the following Non-Executive Independent Directors:

Regulatory Compliance and Approval Process

The re-appointments are subject to shareholder approval as mandated by SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and applicable provisions of the Companies Act, 2013. The bank has confirmed compliance with regulatory requirements, stating that both directors have not been debarred from holding directorial positions by SEBI or any other regulatory authority.

Director Profiles and Experience

Dr. D S Ravindran brings extensive administrative expertise as a PhD holder and Indian Forest Service Officer from the 1986 batch. His 34+ years of experience spans:

• Public policy and e-governance initiatives
• Forestry and renewable energy sectors
• Financial systems and large-scale technology implementation
• Leadership roles including CEO, Centre for e-Governance, and Principal Secretary, Finance Department, Government of Karnataka

He has been serving as Karnataka Bank's Non-Executive Independent Director since April 1, 2021, and currently works as Consulting Advisor to the Treasury Department, Government of Karnataka.

Mr. Balakrishna Alse S is a B.Sc. (Agriculture) graduate and Certified Associate of Indian Institute of Bankers (CAIIB) with over 35 years of banking experience. His expertise includes:

• Credit and risk management
• Cybersecurity and HR operations
• Branch operations at Corporation Bank
• Executive Director role at Oriental Bank of Commerce
• Officer on Special Duty at Punjab National Bank during amalgamation

He has served as Karnataka Bank's Non-Executive Independent Director since May 26, 2021.

Meeting Details

The Board meeting commenced at 10.30 AM and concluded at 8.15 PM on January 27, 2026. The bank has confirmed that both directors are not related to any other directors on the Board, maintaining independence requirements. The re-appointments demonstrate the bank's focus on retaining experienced leadership while ensuring regulatory compliance and effective governance oversight.