Karnataka Bank Ltd

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

Karnataka Bank Ltd

₹ 262 -0.34%
05 Jun - 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:[1]
a) Retail and Personal Banking:
Loans for houses, vehicles,
gold, LAP, Personal loans,
and Education Loan.
b) MSME:
Working capital finance,
Term loans & infrastructure
finance, Business development
loans, Corporate loans, and
Professional & self-employed
loans.
c) Agriculture Banking:
Agriculture & allied activities,
Farm development, Agricultural
land purchase, Farm mechanization,
etc.

Website BSE NSE
  • Market Cap ₹ 9,909 Cr.
  • Current Price ₹ 262
  • High / Low ₹ 278 / 169
  • Stock P/E 7.56
  • Book Value ₹ 350
  • Dividend Yield 1.91 %
  • ROCE 6.06 %
  • ROE 10.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.75 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.43% over past five years.
  • Company has a low return on equity of 11.6% over last 3 years.
  • Contingent liabilities of Rs.13,211 Cr.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 10.2% of profits over last 3 years

* 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 Financial Services Nifty Microcap 250 Nifty Total Market BSE 1000 BSE MIDSML PB QLT TLT

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
1,969 1,959 2,027 2,113 2,201 2,278 2,234 2,243 2,258 2,261 2,179 2,220 2,257
Interest 1,109 1,144 1,204 1,285 1,367 1,375 1,401 1,450 1,478 1,506 1,451 1,428 1,414
823 689 670 758 938 664 674 736 865 757 652 737 717
Financing Profit 37 126 153 70 -104 239 159 57 -84 -2 77 55 126
Financing Margin % 2% 6% 8% 3% -5% 11% 7% 3% -4% -0% 4% 2% 6%
395 324 250 326 419 279 270 292 428 358 343 302 399
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 432 450 402 396 315 518 429 349 344 356 420 357 525
Tax % 18% 18% 18% 16% 13% 23% 22% 19% 27% 18% 24% 19% 22%
354 371 330 331 274 400 336 284 252 292 319 291 408
EPS in Rs 11.33 11.87 10.56 9.55 7.27 10.61 8.90 7.50 6.68 7.74 8.44 7.69 10.79
Gross NPA % 3.74% 3.68% 3.47% 3.64% 3.53% 3.54% 3.21% 3.11% 3.08% 3.46% 3.33% 3.32% 2.78%
Net NPA % 1.70% 1.43% 1.36% 1.55% 1.58% 1.66% 1.46% 1.39% 1.31% 1.44% 1.35% 1.31% 0.98%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,698 4,992 5,185 5,424 5,906 6,475 6,232 6,222 7,220 8,299 9,014 8,918
Interest 3,530 3,689 3,695 3,566 4,001 4,444 4,049 3,731 4,035 5,000 5,703 5,799
1,131 1,275 1,782 2,452 2,245 2,706 2,902 2,677 2,650 2,983 2,854 2,864
Financing Profit 38 27 -292 -594 -340 -676 -719 -186 535 316 456 255
Financing Margin % 1% 1% -6% -11% -6% -10% -12% -3% 7% 4% 5% 3%
507 543 809 954 1,002 1,262 1,404 954 993 1,319 1,270 1,403
Depreciation -14 42 50 50 54 64 74 74 86 72 85 0
Profit before tax 559 528 468 310 608 522 612 695 1,441 1,563 1,641 1,658
Tax % 19% 21% 3% -5% 21% 17% 21% 27% 18% 16% 22% 21%
451 415 452 326 477 432 483 509 1,180 1,306 1,272 1,310
EPS in Rs 14.52 13.35 14.55 10.47 15.35 13.89 15.52 16.35 37.79 34.63 33.67 34.65
Dividend Payout % 21% 23% 25% 26% 21% 0% 12% 24% 13% 16% 15% 0%
Compounded Sales Growth
10 Years: 6%
5 Years: 7%
3 Years: 7%
TTM: -1%
Compounded Profit Growth
10 Years: 12%
5 Years: 22%
3 Years: 4%
TTM: 3%
Stock Price CAGR
10 Years: 10%
5 Years: 32%
3 Years: 21%
1 Year: 32%
Return on Equity
10 Years: 10%
5 Years: 12%
3 Years: 12%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 188 188 283 283 283 311 311 311 312 377 378 378
Reserves 3,201 3,502 4,860 5,128 5,503 5,660 6,331 6,784 7,901 10,471 11,707 12,846
Deposits 46,609 50,488 56,733 62,871 68,452 71,785 75,655 80,387 87,368 97,988 104,807 108,777
Borrowing 438 1,051 833 816 3,326 4,065 1,765 2,314 1,563 4,400 1,941 5,329
1,401 1,270 1,330 1,276 1,483 1,493 1,553 1,789 1,914 2,848 2,128 2,025
Total Liabilities 51,837 56,500 64,039 70,374 79,046 83,313 85,615 91,584 99,058 116,085 120,962 129,355
292 307 721 762 775 826 838 805 846 915 976 1,060
CWIP 0 0 0 0 0 0 1 13 29 13 14 0
Investments 14,032 16,257 20,220 15,444 16,185 17,545 21,635 22,041 23,326 24,302 24,537 26,737
37,513 39,937 43,098 54,168 62,086 64,942 63,142 68,725 74,857 90,855 95,435 101,558
Total Assets 51,837 56,500 64,039 70,374 79,046 83,313 85,615 91,584 99,058 116,085 120,962 129,355

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
648 636 -184 721 -2,231 -90 3,369 -467 1,830 681 210 1,100
-80 -58 -40 -91 -68 -56 -87 -56 -87 -369 -691 -88
-291 -147 453 -303 2,307 -545 -885 -355 -20 1,582 412 -1,260
Net Cash Flow 277 431 229 327 9 -690 2,396 -879 1,723 1,894 -69 -248
Free Cash Flow 568 578 -224 630 -2,299 -146 3,282 -523 1,743 570 49 1,012
CFO/OP 27% 22% 2% 35% -55% 3% 111% -6% 47% 20% 9% 26%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 14% 12% 10% 6% 9% 7% 8% 7% 15% 14% 11% 10%

Insights

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Mar 2015 Mar 2023 Mar 2024 Mar 2025
Number of Branches
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Number
Business per Employee
INR Crore
CASA Ratio
%
CD Ratio
%
Slippage Ratio
%
Total Employees
Number
Yield on Advances
%
Market Share in Karnataka (Deposits)
%

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
21.03% 22.67% 19.03% 18.86% 14.72% 10.29% 11.22% 12.88% 15.66% 14.60% 11.69% 11.78%
6.00% 8.60% 17.69% 23.06% 22.85% 22.05% 20.23% 18.16% 17.01% 16.11% 15.84% 16.16%
72.95% 68.71% 63.26% 58.08% 62.43% 67.67% 68.55% 68.97% 67.33% 69.27% 72.46% 72.04%
No. of Shareholders 2,42,1252,59,5212,67,6373,00,8723,43,7973,56,7743,74,5883,99,5694,04,4054,10,7904,10,5903,93,841

* 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.

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