Karnataka Bank Ltd

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

Karnataka Bank Ltd

₹ 229 -1.80%
03 May - 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

Key Ratios
Capital Adequacy Ratio - 15.66%
Net Interest Margin - 3.18%
Gross NPA - 3.9%
Net NPA - 2.42%
CASA Ratio - 32.97% [1] [2]

Website BSE NSE
  • Market Cap ₹ 8,635 Cr.
  • Current Price ₹ 229
  • High / Low ₹ 287 / 128
  • Stock P/E 6.23
  • Book Value ₹ 263
  • Dividend Yield 2.18 %
  • ROCE 5.86 %
  • ROE 15.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.87 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.4% over last 3 years.
  • Contingent liabilities of Rs.12,875 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

Sector: Banks Industry: Banks - Private Sector

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,596 1,417 1,524 1,554 1,565 1,579 1,629 1,771 1,851 1,969 1,959 2,027 2,113
Interest 981 958 949 917 942 922 942 968 1,016 1,109 1,144 1,204 1,285
674 736 735 766 601 629 771 471 672 823 689 670 758
Financing Profit -59 -276 -161 -129 21 27 -83 331 162 37 126 153 70
Financing Margin % -4% -20% -11% -8% 1% 2% -5% 19% 9% 2% 6% 8% 3%
283 318 207 275 196 257 133 260 205 395 324 250 326
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 224 42 46 146 218 284 50 592 367 432 450 402 396
Tax % 40% 25% -130% 14% 33% 54% -129% 30% 18% 18% 18% 18% 16%
135 31 106 125 146 130 114 411 301 354 371 330 331
EPS in Rs 4.35 1.01 3.41 4.04 4.71 4.18 3.66 13.22 9.64 11.32 11.87 10.56 9.55
Gross NPA % 3.16% 4.91% 4.82% 4.50% 4.11% 3.90% 4.03% 3.36% 3.28% 3.74% 3.68% 3.47% 3.64%
Net NPA % 1.74% 3.19% 3.00% 2.84% 2.45% 2.42% 2.16% 1.72% 1.66% 1.70% 1.43% 1.36% 1.55%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 6,475 6,232 6,222 7,220 8,067
Interest 4,444 4,049 3,731 4,035 4,742
2,706 2,902 2,677 2,651 2,939
Financing Profit -676 -719 -186 534 385
Financing Margin % -10% -12% -3% 7% 5%
1,262 1,404 954 993 1,295
Depreciation 64 74 74 86 0
Profit before tax 522 612 694 1,441 1,680
Tax % 17% 21% 27% 18%
432 482 508 1,180 1,386
EPS in Rs 13.89 15.52 16.33 37.77 43.30
Dividend Payout % 0% 12% 24% 13%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 4%
TTM: 18%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 40%
TTM: 45%
Stock Price CAGR
10 Years: 10%
5 Years: 15%
3 Years: 54%
1 Year: 72%
Return on Equity
10 Years: %
5 Years: %
3 Years: 10%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 311 311 311 312
Reserves 5,660 6,331 6,783 7,900
75,850 77,419 82,701 88,931
1,493 1,553 1,789 1,914
Total Liabilities 83,313 85,615 91,583 99,057
826 838 805 846
CWIP 0 1 13 29
Investments 17,545 21,635 22,040 23,325
64,942 63,142 68,725 74,857
Total Assets 83,313 85,615 91,583 99,057

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023
-90 3,368 -467 1,830
-56 -87 -56 -88
-545 -885 -355 -19
Net Cash Flow -690 2,396 -879 1,723

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 8% 7% 15%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
9.99% 9.10% 11.16% 11.92% 15.46% 18.15% 19.75% 20.30% 21.03% 22.67% 19.03% 18.86%
5.85% 5.64% 5.63% 5.34% 5.34% 5.34% 5.43% 5.74% 6.00% 8.60% 17.69% 23.06%
84.16% 85.26% 83.21% 82.74% 79.20% 76.49% 74.80% 73.95% 72.95% 68.71% 63.26% 58.08%
No. of Shareholders 2,30,9142,20,4592,29,4922,32,1062,27,1402,21,5282,26,5952,35,1042,42,1252,59,5212,67,6373,00,872

* 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.

Documents

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