The Karnataka Bank Limited (NSE:KTKBANK)

The Karnataka Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	70,243	70,094	82,985	72,202	62,217	62,324
Interest Income on Investments	19,726	20,042	-	-	-	-
Total Interest Income	89,969	90,136	82,985	72,202	62,217	62,324
Interest Paid on Deposits	58,342	57,032	49,998	40,351	37,306	40,492
Net Interest Income	31,627	33,104	32,987	31,851	24,910	21,832
Net Interest Income Growth (YoY)	-6.64%	0.35%	3.57%	27.86%	14.10%	7.53%
Gain (Loss) on Sale of Assets	-	-	4.17	-3.01	-8.52	-18.85
Gain (Loss) on Sale of Investments	-	-	1,135	-1,629	-501.12	5,339
Other Non-Interest Income	13,489	12,696	12,050	11,558	10,048	8,722
Total Non-Interest Income	13,489	12,696	13,190	9,926	9,539	14,042
Non-Interest Income Growth (YoY)	5.87%	-3.75%	32.88%	4.06%	-32.07%	11.30%
Revenues Before Loan Losses	45,116	45,800	46,177	41,777	34,449	35,874
Provision for Loan Losses	2,570	1,864	6,005	7,672	9,394	12,964
Revenue	42,546	43,935	40,172	34,105	25,055	22,910
Revenue Growth (YoY)	1.97%	9.37%	17.79%	36.12%	9.36%	6.20%
Salaries and Employee Benefits	15,732	15,524	13,818	10,735	10,162	9,133
Occupancy Expenses	-	-	3,502	3,149	2,779	2,679
Selling, General & Administrative	-22.3	-22.3	800.83	696.11	648.4	522.25
Other Non-Interest Expense	12,044	12,022	6,421	5,120	4,526	4,458
Total Non-Interest Expense	27,753	27,524	24,542	19,700	18,116	16,792
EBT Excluding Unusual Items	14,793	16,411	15,631	14,405	6,939	6,118
Pretax Income	14,793	16,411	15,631	14,405	6,939	6,118
Income Tax Expense	3,144	3,683	2,565	2,608	1,859	1,294
Net Income	11,649	12,728	13,066	11,797	5,080	4,825
Net Income to Common	11,649	12,728	13,066	11,797	5,080	4,825
Net Income Growth	-12.83%	-2.58%	10.76%	132.22%	5.29%	11.74%
Basic Shares Outstanding	378	378	328	312	311	311
Diluted Shares Outstanding	378	378	329	313	312	312
Shares Change (YoY)	9.51%	14.90%	5.10%	0.40%	0.12%	0.28%
EPS (Basic)	30.83	33.70	39.85	37.87	16.34	15.52
EPS (Diluted)	30.78	33.63	39.67	37.64	16.27	15.48
EPS Growth	-20.40%	-15.23%	5.39%	131.30%	5.13%	11.45%
Dividend Per Share	-	5.000	5.500	5.000	4.000	1.800
Dividend Growth	-	-9.09%	10.00%	25.00%	122.22%	-
Effective Tax Rate	21.25%	22.44%	16.41%	18.11%	26.80%	21.14%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.