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The Karnataka Bank Ltd.

Bank - Private

Rating :
N/A

BSE: 532652 | NSE: KTKBANK

NSE BSE
223.40
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  222.55
  •  224.90
  •  221.80
  •  223.67
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  791075
  •  1767.52
  •  286.55
  •  192.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 7,580.14
  • 5.65
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 4,323.60
  • 2.74%
  • 0.69

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 0.00%
  • 5.30%
  • 59.69%
  • FII
  • DII
  • Others
  • 10.29%
  • 21.59%
  • 3.13%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 16.62
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.21
  • 24.79
  • 37.01

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.61
  • 0.63

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.31
  • 5.31
  • 5.27

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.61
  • 0.61
  • 0.63

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.02
  • 1.02
  • 1.16

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Interest Earned
2,234.13
2,026.59
10.24%
2,277.99
1,958.74
16.30%
2,200.56
1,969.31
11.74%
2,112.61
1,850.79
14.15%
Interest Exp.
1,400.57
1,204.18
16.31%
1,374.63
1,144.06
20.15%
1,366.53
1,109.24
23.20%
1,285.00
1,016.04
26.47%
Net Interest Income
833.56
822.41
1.36%
903.36
814.68
10.89%
834.03
860.07
-3.03%
827.61
834.75
-0.86%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
269.92
249.64
8.12%
279.01
323.85
-13.85%
419.41
395.23
6.12%
326.07
204.52
59.43%
Total Income
2,504.05
2,276.23
10.01%
2,557.00
2,282.59
12.02%
2,619.97
2,364.54
10.80%
2,438.68
2,055.31
18.65%
Operating Exp.
642.92
549.92
16.91%
623.71
537.33
16.08%
753.56
569.76
32.26%
613.34
507.45
20.87%
Operating Profit
460.56
522.13
-11.79%
558.66
601.20
-7.08%
499.88
685.54
-27.08%
540.34
531.82
1.60%
Provision
31.33
119.87
-73.86%
40.26
151.57
-73.44%
184.72
253.26
-27.06%
144.42
164.87
-12.40%
PBT
429.23
402.26
6.70%
518.40
449.63
15.29%
315.16
432.28
-27.09%
395.92
366.95
7.89%
PBTM
19.21
19.85
-3.22%
22.76
22.96
-0.87%
14.32
21.95
-34.76%
18.74
19.83
-5.50%
TAX
92.99
72.02
29.12%
117.97
78.90
49.52%
40.73
78.75
-48.28%
64.71
66.32
-2.43%
PAT
336.24
330.24
1.82%
400.43
370.73
8.01%
274.43
353.53
-22.37%
331.21
300.63
10.17%
PATM
15.05%
16.30%
17.58%
18.93%
12.47%
17.95%
15.68%
16.24%
EPS
8.90
8.74
1.83%
10.60
9.82
7.94%
7.27
9.36
-22.33%
8.77
7.96
10.18%
Gross NPA
2,414.92
2,324.19
3.90%
2,668.45
2,315.88
15.22%
2,578.42
2,292.91
12.45%
2,536.72
2,085.73
21.62%
Gross NPA%
3.21
3.47
-7.49%
3.54
3.68
-3.80%
3.53
3.74
-5.61%
3.64
3.28
10.98%
Net NPA
1,083.08
888.94
21.84%
1,228.25
877.71
39.94%
1,129.18
1,021.27
10.57%
1,060.06
1,040.88
1.84%
Net NPA%
1.46
1.36
7.35%
1.66
1.43
16.08%
1.58
1.70
-7.06%
1.55
1.66
-6.63%
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Net Interest Income
3,398.56
3,298.74
3,185.11
2,491.04
2,183.19
2,030.36
Interest Earned
8,825.29
8,298.51
7,220.23
6,221.66
6,232.41
6,474.77
Interest Expended
5,426.73
4,999.77
4,035.12
3,730.62
4,049.22
4,444.41
Int. income Growth
2.00%
3.57%
27.86%
14.10%
7.53%
 
Other Income
1,294.41
1,318.97
992.58
953.88
1,404.20
1,261.63
Total Income
10,119.70
4,617.71
4,177.69
3,444.92
3,587.39
3,291.99
Total Expenditure
2,633.53
2,982.77
2,650.76
2,677.32
2,902.06
2,706.20
Employee Cost
-
1,381.76
1,073.46
1,016.20
913.31
897.00
% Of Sales
-
16.65%
14.87%
16.33%
14.65%
13.85%
Opt. & Establishment Exp.
-
1,144.28
983.00
869.02
839.44
801.98
% Of Sales
-
13.79%
13.61%
13.97%
13.47%
12.39%
Provisions
-
600.49
767.18
939.44
1,296.35
1,134.74
% Of Sales
-
7.24%
10.63%
15.10%
20.80%
17.53%
EBITDA
2,059.44
1,634.94
1,526.93
767.60
685.33
585.79
EBITDA Margin
70.16%
49.56%
47.94%
30.81%
31.39%
28.85%
Depreciation
0.00
71.88
86.44
73.67
73.52
63.76
PBT
1,658.71
1,563.07
1,440.48
693.93
611.82
522.03
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
Provision for Tax
316.40
256.45
260.80
185.94
129.36
90.25
Tax Rate
19.08%
16.41%
18.11%
26.80%
21.14%
17.29%
PAT
1,342.31
1,306.62
1,179.68
507.99
482.46
431.78
PAT before Minority Interest
1,342.31
1,306.62
1,179.68
507.99
482.46
431.78
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
28.60%
28.30%
28.24%
14.75%
13.45%
13.12%
PAT Growth
-0.95%
10.76%
132.23%
5.29%
11.74%
 
EPS
35.54
34.59
31.23
13.45
12.77
11.43

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Shareholder's Funds
10,847.53
8,212.06
7,093.99
6,642.24
5,970.44
Share Capital
377.26
312.35
311.17
310.88
310.88
Total Reserves
10,469.31
7,899.66
6,782.77
6,331.36
5,659.56
Minority Interest
0.00
0.00
0.00
0.00
0.00
Deposits
98,057.18
87,367.91
80,386.74
75,654.49
71,785.15
Borrowings
4,399.53
1,562.72
2,313.84
1,764.88
4,065.12
Other Liabilities & Provisions
2,779.01
1,914.43
1,788.77
1,553.33
1,492.77
Total Liabilities
1,16,083.25
99,057.12
91,583.34
85,614.94
83,313.48
Net Block
914.79
846.22
805.06
837.86
826.42
Gross Block
1,578.60
1,456.26
1,369.22
1,335.61
1,260.31
Accumulated Depreciation
663.81
610.04
564.15
497.75
433.89
Total Non-Current Assets
1,04,716.47
90,311.31
84,078.12
79,304.48
78,255.52
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
0.00
29.14
13.16
0.51
0.00
Cash and balance with RBI
7,656.07
5,204.23
3,957.22
4,866.15
2,756.05
Balance with banks and money at call
336.67
955.23
479.54
449.42
163.44
Investments
24,300.30
23,324.87
22,040.00
21,634.69
17,545.34
Advances
71,508.64
59,951.62
56,783.14
51,515.85
56,964.27
Other Assets
11,366.79
8,745.80
7,505.22
6,310.48
5,057.96
Total Assets
1,16,083.26
99,057.11
91,583.34
85,614.96
83,313.48
Contingent Liabilities
13,136.36
10,102.40
9,656.99
8,396.33
7,723.76
Bills for collection
2,581.43
2,773.08
2,485.73
2,378.63
2,315.38
Adjusted Book Value
274.13
246.57
213.23
198.70
176.93

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Cash From Operating Activity
362.20
1,829.69
-467.46
3,368.27
-89.60
PBT
1,306.62
1,179.68
507.99
482.46
431.78
Adjustment
914.65
1,400.49
1,319.16
1,717.37
1,365.51
Adjustments for Liabilities & Assets
-1,459.35
-443.02
-2,055.56
1,502.76
-1,672.41
Refund/(Payment) of direct taxes
-399.72
-307.46
-239.05
-334.31
-214.47
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-111.20
-87.53
-56.43
-87.41
-56.05
Net Fixed Assets
-93.14
-102.91
-46.18
-75.80
Other Investment Activity
-1665.87
-1541.63
-1469.70
-1392.16
Cash from Financing Activity
1,582.27
-19.45
-354.92
-884.78
-544.61
Closing Cash & Equivalent
7,992.74
6,159.47
4,436.76
5,315.57
2,919.49
Net Cash Inflow / Outflow
1,833.27
1,722.71
-878.81
2,396.08
-690.26
Opening Cash & Equivalents
6,159.47
4,436.76
5,315.57
2,919.49
3,609.75

Financial Ratios

Standalone /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Book Value
274.13
246.57
213.23
198.70
176.93
NIM
3.18
3.56
2.99
2.78
2.62
Yield on Advances
11.60
12.04
10.96
12.10
11.37
Yield on Investments
6.21
6.18
6.17
8.17
8.89
Cost of Liabilities
4.88
4.54
4.51
5.23
5.86
Interest Spread
6.72
7.51
6.45
6.87
5.51
ROCE
14.25%
17.61%
9.43%
8.79%
7.60%
Cost Income Ratio
53.15
47.16
52.59
46.81
49.67
Core Cost Income Ratio
54.49
45.39
51.83
54.99
56.55
Operating Costs to Assets
2.11
1.99
1.98
1.96
1.96
Loans/Deposits
0.04
0.02
0.03
0.02
0.06
Cash/Deposits
0.08
0.06
0.05
0.06
0.04
Investment/Deposits
0.25
0.27
0.27
0.29
0.24
Inc Loan/Deposits
4.49%
1.79%
2.88%
2.33%
5.66%
Credit Deposits
72.93%
68.62%
70.64%
68.09%
79.35%
Interest Expended / Interest earned
60.25%
55.89%
59.96%
64.97%
68.64%
Interest income / Total funds
7.15%
7.29%
6.79%
7.28%
7.77%
Interest Expended / Total funds
4.31%
4.07%
4.07%
4.73%
5.33%
CASA
31.97%
32.97%
32.97%
31.49%
28.91%

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • Karnataka Bank - Quarterly Results
    23rd Oct 2024, 15:56 PM

    Read More
  • Karnataka Bank launches credit line on UPI in partnership with Navi Technologies
    22nd Aug 2024, 15:40 PM

    The product provides freedom to credit access and is expected to revolutionise how people pay without cards through UPI

    Read More
  • Karnataka Bank launches Credit Line on UPI
    14th Aug 2024, 09:37 AM

    The Bank will be offering Credit Lines through a strategic partnership with Navi, marking Karnataka Bank as one of the early adopters of this next-gen credit product

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.