15% total business growth with 15-20% advances expansion
Management reiterated earlier guidance targeting 15% overall business growth with advances growing at 15-20% while deposits expand at 10-15%, improving CD ratio toward 80%+ levels.
KTKBANK / guidance tracker
Keep management guidance in view.
The Karnataka Bank · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
ROA target of 1.35-1.40% going forward
CEO explicitly set an ROA aspiration of 1.35-1.40% versus current 1.29%, implying sustained margin expansion and controlled costs over coming quarters.
31-32 new branches in FY27 with 12-13 by H1 close
First branch already opened; remaining branches planned before September 2026 to support retail and MSME distribution expansion in underpenetrated markets.
IBPC book to decline to zero by replacing with retail loans
₹618 crore IBPC at March 26 already reduced to ₹375 crore; ₹243 crore replaced in Q1 alone, with full replacement targeted to drive margin improvement.