Archive · 23 Sep 2025
Karnataka Bank Aims to Boost Credit-Deposit Ratio by 2027
Karnataka Bank, led by MD Raghavendra Bhat, wants to increase the percentage of money it lends out compared to what it holds in deposits.
They're aiming for 80% by March 2027, up from the current 70%.
This means they want to give out more loans.
To do this, they're focusing on growing their loan offerings, especially in retail, agriculture, and small businesses.
They are also working on attracting more savings accounts.
They are expanding their processing centers and have invested in technology.
The bank hopes these efforts will help them make more money.
Karnataka Bank plans to increase its credit-deposit (CD) ratio to 80% by March 2027.
The bank's current CD ratio is over 70%.
MD Raghavendra Bhat stated this at the 101st Annual General Meeting.
The bank is expanding its retail loan processing centers.
Investments in IT are expected to improve efficiency and address compliance issues.
- Who
- Karnataka Bank
- What
- Aims to increase its credit-deposit ratio.
- When
- By March 2027.
- Where
- N/A
- Why
- To improve interest income, net interest margin, return on assets and equity.
- Target CD Ratio
- 80%
- Target Date
- March 2027
- Current CD Ratio
- 70% plus
- MD & CEO
- Raghavendra Bhat
- Branches
- 955 currently, 30 more planned