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 2024 – FY 2025

Item	Chart	2024	2025
Op. Income Operating Income		82.99B	90.14B
Other Income		13.19B	12.70B
Total Income		96.17B	102.83B
Interest Exp. Interest Expenditure		50.00B	57.03B
Op. Expense Operating Expense		24.54B	27.52B
Provisions Provisions & Contingencies		8.57B	5.55B
Net Income		13.07B	12.73B
Dil. Shares Diluted Shares		329.41M	378.53M
Diluted EPS		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 2024 – FY 2025

Item	Chart	2024	2025
Cash		77.17B	75.26B
Loans & adv. Loans & advances		715.09B	765.41B
Investments		243.00B	245.35B
Total assets		1,160.83B	1,209.60B
Borrowings		44.00B	19.41B
Deposits		979.88B	1,048.06B
Total liabilities		1,052.36B	1,088.76B
Total equity		108.48B	120.85B
Total liab. & eq. Total liabilities & equity		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 2024 – FY 2025

Item	Chart	2024	2025
Net Income		13.07B	12.73B
Operating CF Cash flow Operating Activities		680.84M	2.10B
Capex Investments in PPE		-1.12B	-1.63B
Investing CF Cash flow Investing Activities		-3.69B	-6.91B
Dividend Paid		-1.56B	-2.08B
Financing CF Cash flow Financing Activities		15.82B	4.12B
Cash (start) Cash at beginning of period		61.59B	80.53B
Cash (end) Cash at end of period		80.53B	79.84B
FCF Free Cash Flow		-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