Karnataka Bank Financial Statements

Karnataka Bank (KTKBANK) reported revenue of ₹102.83B in FY2025 with net income of ₹12.73B. Total assets stood at ₹1,209.60B and free cash flow was ₹468.48M.

Karnataka Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		62.32B	62.22B	72.20B	82.99B	90.14B
Other Income		14.95B	9.54B	9.93B	13.19B	12.70B
Total Income		77.27B	71.76B	82.13B	96.17B	102.83B
Interest Exp. Interest Expenditure		40.49B	37.31B	40.35B	50.00B	57.03B
Op. Expense Operating Expense		16.79B	18.12B	19.70B	24.54B	27.52B
Provisions Provisions & Contingencies		13.87B	11.25B	10.28B	8.57B	5.55B
Net Income		4.82B	5.09B	11.80B	13.07B	12.73B
Dil. Shares Diluted Shares		310.86M	312.16M	313.41M	329.41M	378.53M
Diluted EPS		15.52	16.29	37.64	39.67	33.63

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Karnataka Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Karnataka Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		48.66B	39.57B	52.04B	77.17B	75.26B
Loans & adv. Loans & advances		516.94B	567.83B	599.52B	715.09B	765.41B
Investments		216.35B	220.40B	233.25B	243.00B	245.35B
Total assets		855.81B	915.83B	990.57B	1,160.83B	1,209.60B
Borrowings		17.65B	23.14B	15.63B	44.00B	19.41B
Deposits		756.54B	803.87B	873.68B	979.88B	1,048.06B
Total liabilities		789.39B	844.89B	908.45B	1,052.36B	1,088.76B
Total equity		66.42B	70.94B	82.12B	108.48B	120.85B
Total liab. & eq. Total liabilities & equity		855.81B	915.83B	990.57B	1,160.83B	1,209.60B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Karnataka Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Karnataka Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		4.82B	5.08B	11.80B	13.07B	12.73B
Operating CF Cash flow Operating Activities		33.68B	-4.67B	18.30B	680.84M	2.10B
Capex Investments in PPE		-876.20M	-565.96M	-888.14M	-1.12B	-1.63B
Investing CF Cash flow Investing Activities		-874.10M	-564.34M	-875.28M	-3.69B	-6.91B
Dividend Paid		0	-559.57M	-1.25B	-1.56B	-2.08B
Financing CF Cash flow Financing Activities		-8.85B	-3.55B	-194.53M	15.82B	4.12B
Cash (start) Cash at beginning of period		29.19B	53.16B	44.37B	61.59B	80.53B
Cash (end) Cash at end of period		53.16B	44.37B	61.59B	80.53B	79.84B
FCF Free Cash Flow		32.81B	-5.24B	17.41B	-437.30M	468.48M

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Karnataka Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025