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Karnataka Bank Q4 net profit dips 8%, NII falls 6%; declares dividend of ₹5The bank's gross non-performing assets stood at 3.08% in the March quarter against 3.11% in the December quarter. Net NPA came at 1.31% against 1.39% QoQ. Shares of Karnataka Bank Ltd ended at ₹207.50, up by ₹4.65, or 2.29%, on the BSE.By Jomy Jos Pullokaran   May 14, 2025, 7:43:56 PM IST (Published)2 Min ReadPrivate sector lender Karnataka Bank Ltd on Wednesday (May 14) reported an 8% year-on-year (YoY) dip in net profit at ₹252.4 crore for the fourth quarter that ended March 31, 2025, against ₹274.2 crore in Q4FY24.

For the full year FY25, Karnataka Bank reported a net profit of ₹1,272.37 crore, registering a 2.6% YoY decline versus ₹1,306.28 crore in FY24.

Net interest income (NII), which is the difference between the interest income a bank earns from its lending activities and the interest it pays to depositors, fell 6.4%, coming at ₹780.7 crore against ₹834.1 crore in the corresponding quarter of FY24.

Also Read: Karnataka Bank Q3 Results: Net profit falls 14% to ₹283.6 crore; NPAs drop marginally

The gross non-performing asset (GNPA) stood at 3.08% in the March quarter against 3.11% in the December quarter. Net NPA came at 1.31% against 1.39% quarter-on-quarter.

Aggregate deposits rose 6.96% YoY to ₹1,04,807.49 crore, while gross advances increased 6.79% to ₹77,958.72 crore. The bank’s focus on the retail segment yielded results, with retail advances growing by 15.44% to ₹39,273 crore from ₹34,020 crore a year earlier.

Retail deposits accounted for 93.4% of total deposits in FY25, marginally up from 93.2% in FY24. CASA (current account and savings account) deposits grew by 6.35% to ₹33,281 crore, adding ₹1,988 crore over the previous year.

Also Read: Karnataka Bank revises fixed deposit interest rates for these maturity periods

The provision coverage ratio (PCR) improved to 81.42% as of March 2025 from 79.22% a year earlier. The bank remains well-capitalised with a capital to risk-weighted assets ratio (CRAR) of 19.85%.

The board of directors, at its meeting held on May 14, 2025, recommended a dividend of ₹5 per equity share (50% of the face value of ₹10), and it will be paid subject to shareholder approval at the upcoming annual general meeting.

The results came after the close of the market hours. Shares of Karnataka Bank Ltd ended at ₹207.50, up by ₹4.65, or 2.29%, on the BSE.

Also Read: Karnataka Bank flags ₹18.57 crore loss from UPI reconciliation issue, reports to RBIContinue ReadingCheck out our in-depth Market Coverage, Business News & get real-time Stock Market Updates on CNBC-TV18. Also, Watch our channels CNBC-TV18, CNBC Awaaz and CNBC Bajar Live on-the-go!TagsearningsKarnataka BankResults Boardroom