Karnataka Bank Ltd

Karnataka Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Karnataka Bank Ltd

₹ 175 -0.60%
18 Nov - close price
karnatakabank.com BSE: 532652 NSE: KTKBANK
About

Karnataka Bank is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business.[1]

Key Points

Services Offerings
Retail and Personal Banking- Loans for houses, vehicles, gold, LAP, Personal loans, and Education Loan.
MSME- Working capital finance, Term loans & infrastructure finance, Business development loans, Corporate loans, Professional & self-employed loans.
Agriculture Banking- Agriculture & allied activities, Farm development, Agricultural land purchase, Farm mechanization, etc. [1]

Website BSE NSE
  • Market Cap ₹ 6,604 Cr.
  • Current Price ₹ 175
  • High / Low ₹ 231 / 162
  • Stock P/E 5.76
  • Book Value ₹ 333
  • Dividend Yield 2.86 %
  • ROCE 6.33 %
  • ROE 11.1 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.52 times its book value
  • Company has delivered good profit growth of 24.1% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 6.84% over past five years.
  • Company has a low return on equity of 13.1% over last 3 years.
  • Contingent liabilities of Rs.13,211 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
1,771 1,851 1,969 1,959 2,027 2,113 2,201 2,278 2,234 2,243 2,258 2,261 2,179
Interest 968 1,016 1,109 1,144 1,204 1,285 1,367 1,375 1,401 1,450 1,478 1,506 1,451
471 672 823 689 670 758 938 664 674 736 865 757 652
Financing Profit 332 162 37 126 153 70 -104 239 159 57 -84 -2 77
Financing Margin % 19% 9% 2% 6% 8% 3% -5% 11% 7% 3% -4% -0% 4%
260 205 395 324 250 326 419 279 270 292 428 358 343
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 592 367 432 450 402 396 315 518 429 349 344 356 420
Tax % 30% 18% 18% 18% 18% 16% 13% 23% 22% 19% 27% 18% 24%
412 301 354 371 330 331 274 400 336 284 252 292 319
EPS in Rs 13.22 9.64 11.33 11.87 10.56 9.55 7.27 10.61 8.90 7.50 6.68 7.74 8.44
Gross NPA % 3.36% 3.28% 3.74% 3.68% 3.47% 3.64% 3.53% 3.54% 3.21% 3.11% 3.08% 3.46%
Net NPA % 1.72% 1.66% 1.70% 1.43% 1.36% 1.55% 1.58% 1.66% 1.46% 1.39% 1.31% 1.44%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
4,189 4,698 4,992 5,185 5,424 5,906 6,475 6,232 6,222 7,220 8,299 9,014 8,942
Interest 3,133 3,530 3,689 3,695 3,566 4,001 4,444 4,049 3,731 4,035 5,000 5,703 5,885
1,127 1,131 1,275 1,782 2,452 2,245 2,706 2,902 2,677 2,650 2,983 2,854 3,010
Financing Profit -71 38 27 -292 -594 -340 -676 -719 -186 535 316 456 47
Financing Margin % -2% 1% 1% -6% -11% -6% -10% -12% -3% 7% 4% 5% 1%
506 507 543 809 954 1,002 1,262 1,404 954 993 1,319 1,270 1,422
Depreciation 26 -14 42 50 50 54 64 74 74 86 72 85 0
Profit before tax 409 559 528 468 310 608 522 612 695 1,441 1,563 1,641 1,470
Tax % 24% 19% 21% 3% -5% 21% 17% 21% 27% 18% 16% 22%
311 451 415 452 326 477 432 483 509 1,180 1,306 1,272 1,147
EPS in Rs 10.01 14.52 13.35 14.55 10.47 15.35 13.89 15.52 16.35 37.79 34.63 33.67 30.36
Dividend Payout % 24% 21% 23% 25% 26% 21% 0% 12% 24% 13% 16% 15%
Compounded Sales Growth
10 Years: 7%
5 Years: 7%
3 Years: 13%
TTM: 1%
Compounded Profit Growth
10 Years: 11%
5 Years: 24%
3 Years: 36%
TTM: -14%
Stock Price CAGR
10 Years: 7%
5 Years: 31%
3 Years: 8%
1 Year: -14%
Return on Equity
10 Years: 10%
5 Years: 11%
3 Years: 13%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 188 188 188 283 283 283 311 311 311 312 377 378 378
Reserves 2,864 3,201 3,502 4,860 5,128 5,503 5,660 6,331 6,784 7,901 10,471 11,707 12,211
Deposits 41,183 46,609 50,488 56,733 62,871 68,452 71,785 75,655 80,387 87,368 97,988 104,807 102,817
Borrowing 1,315 438 1,051 833 816 3,326 4,065 1,765 2,314 1,563 4,400 1,941 1,309
1,479 1,401 1,270 1,330 1,276 1,483 1,493 1,553 1,789 1,914 2,848 2,128 1,971
Total Liabilities 47,029 51,837 56,500 64,039 70,374 79,046 83,313 85,615 91,584 99,058 116,085 120,962 118,686
197 292 307 721 762 775 826 838 805 846 915 976 1,069
CWIP 0 0 0 0 0 0 0 1 13 29 13 14 0
Investments 15,227 14,032 16,257 20,220 15,444 16,185 17,545 21,635 22,041 23,326 24,302 24,537 26,599
31,605 37,513 39,937 43,098 54,168 62,086 64,942 63,142 68,725 74,857 90,855 95,435 91,018
Total Assets 47,029 51,837 56,500 64,039 70,374 79,046 83,313 85,615 91,584 99,058 116,085 120,962 118,686

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
404 648 636 -184 721 -2,231 -90 3,369 -467 1,830 681 210
-54 -80 -58 -40 -91 -68 -56 -87 -56 -87 -369 -691
34 -291 -147 453 -303 2,307 -545 -885 -355 -20 1,582 412
Net Cash Flow 384 277 431 229 327 9 -690 2,396 -879 1,723 1,894 -69

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 10% 14% 12% 10% 6% 9% 7% 8% 7% 15% 14% 11%

Shareholding Pattern

Numbers in percentages

6 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
19.75% 20.30% 21.03% 22.67% 19.03% 18.86% 14.72% 10.29% 11.22% 12.88% 15.66% 14.60%
5.43% 5.74% 6.00% 8.60% 17.69% 23.06% 22.85% 22.05% 20.23% 18.16% 17.01% 16.11%
74.80% 73.95% 72.95% 68.71% 63.26% 58.08% 62.43% 67.67% 68.55% 68.97% 67.33% 69.27%
No. of Shareholders 2,26,5952,35,1042,42,1252,59,5212,67,6373,00,8723,43,7973,56,7743,74,5883,99,5694,04,4054,10,790

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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