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Consolidated Standalone

Karnataka Bank

₹180 0.8 | 0.5%

Market Cap ₹6800 Cr.

Stock P/E 5.3

P/B 0.6

Current Price ₹180

Book Value ₹ 314.3

Face Value 10

52W High ₹243.3

Dividend Yield 2.78%

52W Low ₹ 162.2

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.) Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 1969 1959 2027 2113 2201 2278 2234 2243 2258 2261
Other Income 395 324 250 326 419 279 270 299 422 358
Total Income 2365 2283 2276 2439 2620 2557 2504 2542 2680 2620
Interest Expense 1109 1144 1204 1285 1367 1375 1401 1450 1478 1506
Operating Expenditure 570 537 550 613 754 624 643 659 827 647
Provisions and contingencies 253 152 120 144 185 40 31 84 31 111
Operating Profit 432 450 402 396 315 518 429 349 344 357
Profit Before Tax 432 450 402 396 315 518 429 349 344 357
Provision for Tax 79 79 72 65 41 118 93 66 92 64
Profit After Tax 354 371 330 331 274 400 336 284 253 293
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 354 371 330 331 274 400 336 284 253 293
Adjusted Earnings Per Share 11.3 11.9 10.6 9.6 7.3 10.6 8.9 7.5 6.7 7.7

Karnataka Bank Profit & Loss

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 6475 6232 6222 7220 8299 9014 8996
Other Income 1262 1404 954 993 1319 1270 1349
Total Income 7736 7637 7176 8213 9617 10283 10346
Interest Expense 4444 4049 3731 4035 5000 5703 5835
Operating Expenditure 1635 1679 1812 1970 2454 2752 2776
Provisions and contingencies 1135 1296 939 767 600 186 257
Operating Profit 522 612 694 1440 1563 1641 1479
Profit Before Tax 522 612 694 1440 1563 1641 1479
Provision for Tax 90 129 186 261 256 368 315
Profit After Tax 432 482 508 1180 1307 1273 1166
Adjustments 0 0 0 0 0 0 0
Profit After Adjustments 432 482 508 1180 1307 1273 1166
Adjusted Earnings Per Share 13.9 15.5 16.3 37.8 34.6 33.7 30.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 9% 13% 7% 0%
Operating Profit CAGR 5% 33% 26% 0%
PAT CAGR -3% 36% 24% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -23% 30% 32% 8%
ROE Average 12% 14% 12% 11%
ROCE Average 12% 15% 12% 12%

Karnataka Bank Balance Sheet

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 5970 6642 7094 8212 10848 12085
Minority's Interest 0 0 0 0 0 0
Deposits 71785 75654 80387 87368 97988 104806
Borrowings 4065 1765 2314 1563 4400 1941
Other Liabilities & Provisions 1493 1553 1789 1914 2849 2129
Total Liabilities 83313 85615 91583 99057 116083 120960
Cash and balance with RBI 2756 4866 3957 5204 7717 7526
Bank Balance 163 449 480 955 337 459
Investments 17545 21635 22040 23325 24300 24535
Advances 56964 51516 56783 59952 71509 76541
Fixed Assets 826 838 805 846 915 976
Other Assets 5058 6310 7505 8746 11293 10909
Total Assets 83313 85615 91583 99057 116083 120960

Karnataka Bank Cash Flow

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 3610 2919 5316 4437 6159 8053
Cash Flow from Operating Activities -90 3368 -467 1830 681 210
Cash Flow from Investing Activities -56 -87 -56 -88 -369 -691
Cash Flow from Financing Activities -545 -885 -355 -19 1582 412
Net Cash Inflow / Outflow -690 2396 -879 1723 1894 -69
Closing Cash & Cash Equivalent 2919 5316 4437 6159 8053 7984

Karnataka Bank Ratios

# Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 13.89 15.52 16.33 37.77 34.64 33.68
CEPS(Rs) 15.94 17.88 18.69 40.54 36.54 35.93
DPS(Rs) 0 1.8 4 5 5.5 5
Book NAV/Share(Rs) 176.93 198.7 213.23 246.57 274.13 306.51
Yield on Advances 11.37 12.1 10.96 12.04 11.6 11.78
Yield on Investments 8.89 8.17 6.17 6.18 6.21 6.31
Cost of Liabilities 5.86 5.23 4.51 4.54 4.88 5.34
NIM (Net Interest Margin) 2.62 2.78 2.99 3.56 3.18 3.04
Interest Spread 5.51 6.87 6.45 7.51 6.72 6.43
ROA(%) 0.52 0.57 0.57 1.24 1.21 1.07
ROE(%) 7.85 8.26 7.93 16.46 14.48 11.61
ROCE(%) 7.6 8.79 9.43 17.61 14.25 12.35
PER(x) 3.03 3.94 3.39 3.6 6.5 5.21
Price/Book(x) 0.24 0.31 0.26 0.55 0.82 0.57
Dividend Yield(%) 0 2.94 7.22 3.68 2.44 2.85
EV/Net Sales(x) 0.83 0.59 0.65 0.81 1.55 0.95
EV/Core EBITDA(x) 3.24 1.92 2.47 2.63 5.96 4.69
Interest Earned Growth(%) 0 -3.74 -0.17 16.05 14.93 8.62
Net Profit Growth 0 11.74 5.29 132.22 10.76 -2.58
Advances Growth 0 -9.56 10.22 5.58 19.28 7.04
EPS Growth(%) 0 11.74 5.19 131.35 -8.3 -2.76
Loans/Deposits(x) 5.66 2.33 2.88 1.79 4.49 1.85
Cash/Deposits(x) 0.04 0.06 0.05 0.06 0.08 0.07
Current Ratio(x) 0.24 0.29 0.27 0.27 0.25 0.23
Quick Ratio(x) 5.66 2.33 2.88 1.79 4.49 1.85
CASA % 28.91 31.49 32.97 32.97 31.94 31.75

Karnataka Bank Shareholding Pattern

# Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Promoter 0 0 0 0 0 0 0 0 0 0
FII 20.31 21.03 22.68 19.03 18.86 14.72 10.29 11.22 12.88 15.66
DII 5.74 6 8.6 17.7 23.05 22.85 22.05 20.23 18.16 17
Public 73.95 72.96 68.72 63.27 58.09 62.42 67.66 68.56 68.97 67.35
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 0.6 times its book value
  • Company has delivered good profit growth of 24% CAGR over last 5 years
  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 14% 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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