Karnataka Bank Ltd

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

₹ 324 4.10%
05 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

Service Offerings:[1]
a) Retail and Personal Banking: Housing, vehicle, gold, LAP, personal and education loans.
b) MSME: Working capital finance, term loans, infrastructure finance, business development loans, corporate loans and professional loans
c) Agriculture Banking: Agriculture & allied activities, farm development, agricultural land purchase, farm mechanisation, etc.

Website BSE NSE
  • Market Cap ₹ 12,250 Cr.
  • Current Price ₹ 324
  • High / Low ₹ 346 / 174
  • Stock P/E 7.88
  • Book Value ₹ 368
  • Dividend Yield 1.54 %
  • ROCE 6.06 %
  • ROE 10.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.88 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.13,148 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 Financial Services BSE 1000 BSE MidSmall Private Banks Quality Tilt Nifty Smallcap 500 BSE Midsmall Private Banks

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
2,027 2,113 2,201 2,278 2,234 2,243 2,258 2,261 2,179 2,220 2,257 2,383 2,504
Interest 1,204 1,285 1,367 1,375 1,401 1,450 1,478 1,506 1,451 1,428 1,414 1,444 1,521
670 758 938 664 674 743 865 757 651 737 717 742 685
Financing Profit 153 70 -104 239 159 50 -84 -2 77 55 126 196 297
Financing Margin % 8% 3% -5% 11% 7% 2% -4% -0% 4% 2% 6% 8% 12%
250 326 419 279 270 299 428 358 343 302 399 355 290
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 402 396 315 518 429 349 344 357 420 357 525 552 587
Tax % 18% 16% 13% 23% 22% 19% 27% 18% 24% 19% 22% 24% 26%
330 331 274 400 336 284 253 292 319 291 408 419 436
EPS in Rs 10.56 9.55 7.27 10.61 8.90 7.50 6.68 7.74 8.44 7.69 10.80 11.08 11.52
Gross NPA % 3.47% 3.64% 3.53% 3.54% 3.21% 3.11% 3.08% 3.46% 3.33% 3.32% 2.78% 2.58% 2.27%
Net NPA % 1.36% 1.55% 1.58% 1.66% 1.46% 1.39% 1.31% 1.44% 1.35% 1.31% 0.98% 0.87% 0.74%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
6,475 6,232 6,222 7,220 8,299 9,014 8,918 9,364
Interest 4,444 4,049 3,731 4,035 5,000 5,703 5,799 5,808
2,706 2,902 2,677 2,651 2,983 2,854 2,757 2,882
Financing Profit -676 -719 -186 534 316 457 362 674
Financing Margin % -10% -12% -3% 7% 4% 5% 4% 7%
1,262 1,404 954 993 1,319 1,270 1,403 1,347
Depreciation 64 74 74 86 72 85 107 0
Profit before tax 522 612 694 1,440 1,563 1,641 1,658 2,021
Tax % 17% 21% 27% 18% 16% 22% 21%
432 482 508 1,180 1,307 1,273 1,311 1,554
EPS in Rs 13.89 15.52 16.33 37.77 34.64 33.68 34.66 41.09
Dividend Payout % 0% 12% 24% 13% 16% 15% 14%
Compounded Sales Growth
10 Years: %
5 Years: 7%
3 Years: 7%
TTM: 5%
Compounded Profit Growth
10 Years: %
5 Years: 22%
3 Years: 4%
TTM: 35%
Stock Price CAGR
10 Years: 12%
5 Years: 36%
3 Years: 15%
1 Year: 80%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 12%
Last Year: 10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 311 311 311 312 377 378 378 378
Reserves 5,660 6,331 6,783 7,900 10,470 11,707 12,846 13,556
Deposits 71,785 75,654 80,387 87,368 97,988 104,806 108,777 115,116
Borrowing 4,065 1,765 2,314 1,563 4,400 1,941 5,329 5,464
1,493 1,553 2,245 1,914 2,849 2,129 2,025 2,071
Total Liabilities 83,313 85,615 92,040 99,057 116,083 120,960 129,355 136,584
826 838 805 846 915 976 1,052 1,037
CWIP 0 1 13 29 13 14 9 0
Investments 17,545 21,635 22,040 23,325 24,300 24,535 26,737 27,523
64,942 63,142 69,182 74,857 90,855 95,435 101,558 108,024
Total Assets 83,313 85,615 92,040 99,057 116,083 120,960 129,355 136,584

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-90 3,368 -467 1,830 681 210 1,100
-56 -87 -56 -88 -369 -691 -88
-545 -885 -355 -19 1,582 412 -1,260
Net Cash Flow -690 2,396 -879 1,723 1,894 -69 -248
Free Cash Flow -146 3,281 -523 1,743 570 48 1,012

Ratios

Consolidated / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 7% 8% 7% 15% 14% 11% 10%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Number of Branches
count ・Standalone data

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Number of Employees
count ・Standalone data
Retail Share in Gross Advances
% ・Standalone data
Business per Employee
INR Cr ・Standalone data
Product per Customer (PPC)
count ・Standalone data
CASA Ratio
% ・Standalone data
CD Ratio (Credit-to-Deposit Ratio)
% ・Standalone data

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
19.03% 18.86% 14.72% 10.29% 11.22% 12.88% 15.66% 14.60% 11.69% 11.78% 13.10% 16.30%
17.69% 23.06% 22.85% 22.05% 20.23% 18.16% 17.01% 16.11% 15.84% 16.16% 15.75% 18.63%
63.26% 58.08% 62.43% 67.67% 68.55% 68.97% 67.33% 69.27% 72.46% 72.04% 71.15% 65.07%
No. of Shareholders 2,67,6373,00,8723,43,7973,56,7743,74,5883,99,5694,04,4054,10,7904,10,5903,93,8413,74,5873,72,201

* 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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