Karnataka Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: For Q4FY25, the Bank posted a net profit of Rs 252.37 crore as against Rs 274.24 crore during the corresponding period previous year. Aggregate Business (Gross): Aggregate business (Gross) for Q4FY25 was Rs 1,82,766.21 crore showing an increase of 6.89% compared to Q4FY24. Gross Advances: Gross Advances for Q4FY25 was Rs 77,958.72, crore showing an increase of 6.79% compared to Q4FY24. Retail Advances: Retail advances reached Rs 39,273.37 crore in Q4FY25, which is a 15.44% rise from the Q4FY24 figure. Total Deposits: Total deposits for Q4FY25 amounted to Rs 1,04,807.49, crore up by 6.96% from Q4FY24. Operating Profit: The operating profit for Q4FY25 was Rs 375.02, crore a decrease of 24.96% compared to Q4FY24. Total Income: Total income for Q4FY25 was Rs 2,686.69, crore up 2.55% from Q4FY24. Return on Assets: Return on assets for Q4FY25 was 0.81%, a decrease of 11 basis points compared to Q4FY24. Net NPA: Net NPA for Q4FY25 was Rs 1,004.55, crore a decrease of 11.04% compared to Q4FY24. Net NPA (%) was 1.31%, an increase of 27 basis points compared to Q4FY24. Gross NPA: Gross NPA for Q4FY25 was Rs 2,402.08, crore a decrease of 6.84% compared to Q4FY24. Gross NPA (%) was 3.08%, an increase of 45 basis points compared to Q4FY24. PCR: The PCR for Q4FY25 was 81.42%, an increase of 220 basis points compared to Q4FY24. FY25 Financial Highlights: The Bank posted a Net Profit for the full year 2024-25 of Rs 1,272.37 crore, as against Rs 1,306.28 crore earned during the corresponding period previous year, a marginal decline (Y-o-Y) of 2.60%. Aggregate Business (Gross): Aggregate business (Gross) for FY25 reached Rs 1,82,766.21, crore reflecting a 6.89% increase compared to FY24. Gross Advances: Gross Advances for FY25 was Rs 77,958.72, crore showing an increase of 6.79% compared to FY24. Total Deposits: Total deposits for FY25 were Rs 1,04,807.49, crore up by 6.96% compared to FY24. Operating Profit: The operating profit for FY25 was Rs 1,827.04, crore a decrease of 15.54% compared to FY24. Total Income: Total income for FY25 was Rs 10,283.12, crore up 6.92% from FY24. Return on Assets: Return on assets for FY25 was 1.05%, a decrease of 14 basis points compared to FY24. Gross NPA: Gross NPA for FY25 was Rs 2,402.08, crore a decrease of 6.84% compared to FY24. Gross NPA (%) was 3.08%, a decrease of 45 basis points compared to FY24. Net NPA: Net NPA for FY25 was Rs 1,004.55, crore a decrease of 11.04% compared to FY24. Net NPA (%) was 1.31%, a decrease of 27 basis points compared to FY24. PCR: The PCR for FY25 was 81.42%, an increase of 220 basis points compared to FY24. Announcing the results at the Bank's Head Quarters at Mangaluru, Shri Srikrishnan H, Managing Director & CEO of the Bank said "Kamataka Bank's focus in developing Retail, Mid-market and Direct-to-Corporate lending businesses is picking up steam as reflected in the book growth during the last few quarters. The Bank is well-positioned on the Liability franchise, digital and branch-led distribution. Based on sound financial parameters achieved during the year, substantial improvement in the book quality and improved technology platforms and processes, the outlook for FY'25-26 looks very promising." Shri Sekhar Rao, Executive Director of the Bank, reflecting on the bank's performance stated, "FY25 was a year marked by macroeconomic headwinds, tightening liquidity, and pressure on Net Interest Margins (NIMs). Despite these, we demonstrated resilience and adaptability, delivering a stable performance and reinforcing our strategic priorities. A key driver of our progress this year was our increased focus on the retail segment. By deepening customer engagement, expanding digital offerings, and tailoring financial products to meet evolving household and small business needs, we achieved healthy growth in retail advances and improved portfolio diversification. Looking ahead, we believe our sharpened focus on retail banking, combined with a robust digital backbone and customer-centric _approach, positions us well for sustained, inclusive growth. We thank all our stakeholders for their continued trust and support." Result PDF