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Consolidated Standalone

Karnataka Bank

₹215.3 0.4 | 0.2%

Market Cap ₹8120 Cr.

Stock P/E 5.0

P/B 0.8

Current Price ₹215.3

Book Value ₹ 267.3

Face Value 10

52W High ₹286.4

Dividend Yield 2.32%

52W Low ₹ 128.3

Edit Ratio

Karnataka Bank Research see more...

Overview Inc. Year: 1924Industry: Bank - Private

The Karnataka Bank Ltd is an totally India-based banking company which is engaged in providing various banking and financial services, which includes retail, corporate banking and para-banking activities in addition to treasury and foreign exchange commercial enterprise. It operates in four segments: Corporate Banking, Retail Banking, Treasury, and Other Banking Operations. Its services and products comprises borrowing facilities, deposits, presenting returns on funds and assisting with overseas transactions. It offers enterprise banking offerings, consisting of working capital finance, term loans and enterprise finance products. It offers personal banking services that consist of savings ac, cards, loans, deposits, coverage, investment other services and different products. Its loan portfolio consists of housing loan, automobile loans, private loan, loan towards belongings, education loan, gold loan and different loans.

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Karnataka Bank Share Price

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Peer Comparison

Karnataka Bank Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 1554 1565 1579 1629 1771 1851 1969 1959 2027 2113
Other Income 275 196 257 133 260 205 395 324 250 326
Total Income 1829 1762 1836 1762 2031 2055 2365 2283 2276 2439
Interest Expense 917 942 922 942 968 1016 1109 1144 1204 1285
Operating Expenditure 419 463 534 408 485 507 570 537 550 613
Provisions and contingencies 347 139 96 363 -14 165 253 152 120 144
Operating Profit 146 218 284 50 592 367 432 450 402 396
Profit Before Tax 146 218 284 50 592 367 432 450 402 396
Provision for Tax 21 71 154 -64 180 66 79 79 72 65
Profit After Tax 125 146 130 114 411 301 354 371 330 331
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 125 146 130 114 411 301 354 371 330 331
Adjusted Earnings Per Share 4 4.7 4.2 3.7 13.2 9.6 11.3 11.9 10.6 9.6

Karnataka Bank Profit & Loss

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 6475 6232 6222 7220 8068
Other Income 1262 1404 954 993 1295
Total Income 7736 7637 7176 8213 9363
Interest Expense 4444 4049 3731 4035 4742
Operating Expenditure 1635 1679 1812 1970 2270
Provisions and contingencies 1135 1296 939 767 669
Operating Profit 522 612 694 1440 1680
Profit Before Tax 522 612 694 1440 1680
Provision for Tax 90 129 186 261 295
Profit After Tax 432 482 508 1180 1386
Adjustments 0 0 0 0 0
Profit After Adjustments 432 482 508 1180 1386
Adjusted Earnings Per Share 13.9 15.5 16.3 37.8 43.4

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 16% 4% 0% 0%
Operating Profit CAGR 107% 40% 0% 0%
PAT CAGR 132% 40% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 64% 50% 14% 9%
ROE Average 16% 11% 10% 10%
ROCE Average 18% 12% 11% 11%

Karnataka Bank Balance Sheet

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 5970 6642 7094 8212
Minority's Interest 0 0 0 0
Deposits 71785 75654 80387 87368
Borrowings 4065 1765 2314 1563
Other Liabilities & Provisions 1493 1553 1789 1914
Total Liabilities 83313 85615 91583 99057
Cash and balance with RBI 2756 4866 3957 5204
Bank Balance 163 449 480 955
Investments 17545 21635 22040 23325
Advances 56964 51516 56783 59952
Fixed Assets 826 838 805 846
Other Assets 5058 6310 7505 8746
Total Assets 83313 85615 91583 99057

Karnataka Bank Cash Flow

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 3610 2919 5316 4437
Cash Flow from Operating Activities -90 3368 -467 1830
Cash Flow from Investing Activities -56 -87 -56 -88
Cash Flow from Financing Activities -545 -885 -355 -19
Net Cash Inflow / Outflow -690 2396 -879 1723
Closing Cash & Cash Equivalent 2919 5316 4437 6159

Karnataka Bank Ratios

# Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 13.89 15.52 16.33 37.77
CEPS(Rs) 15.94 17.88 18.69 40.54
DPS(Rs) 0 1.8 4 5
Book NAV/Share(Rs) 176.93 198.7 213.23 246.57
Yield on Advances 11.37 12.1 10.96 12.04
Yield on Investments 8.89 8.17 6.17 6.18
Cost of Liabilities 5.86 5.23 4.51 4.54
NIM (Net Interest Margin) 2.62 2.78 2.99 3.56
Interest Spread 5.51 6.87 6.45 7.51
ROA(%) 0.52 0.57 0.57 1.24
ROE(%) 7.85 8.26 7.93 16.46
ROCE(%) 7.6 8.79 9.43 17.61
PER(x) 3.03 3.94 3.39 3.6
Price/Book(x) 0.24 0.31 0.26 0.55
Dividend Yield(%) 0 2.94 7.22 3.68
EV/Net Sales(x) 0.83 0.59 0.65 0.8
EV/Core EBITDA(x) 3.24 1.92 2.47 2.63
Interest Earned Growth(%) 0 -3.74 -0.17 16.05
Net Profit Growth 0 11.74 5.29 132.22
Advances Growth 0 -9.56 10.22 5.58
EPS Growth(%) 0 11.74 5.19 131.35
Loans/Deposits(x) 5.66 2.33 2.88 1.79
Cash/Deposits(x) 0.04 0.06 0.05 0.06
Current Ratio(x) 0.24 0.29 0.27 0.27
Quick Ratio(x) 5.66 2.33 2.88 1.79
CASA % 28.91 31.49 32.97 32.97

Karnataka Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 0 0 0 0 0 0 0 0 0 0
FII 11.16 11.92 15.46 18.16 19.76 20.31 21.03 22.68 19.03 18.86
DII 5.63 5.34 5.34 5.34 5.43 5.74 6 8.6 17.7 23.05
Public 83.21 82.74 79.2 76.5 74.82 73.95 72.96 68.72 63.27 58.09
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.8 times its book value
  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 11% over the 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.

Karnataka Bank News

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