Market Cap ₹7094 Cr.
Stock P/E 5.4
P/B 0.6
Current Price ₹187.8
Book Value ₹ 292.2
Face Value 10
52W High ₹263.1
Dividend Yield 2.93%
52W Low ₹ 185.8
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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Price falls below X
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| #(Fig in Cr.) |
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| Interest Earned |
| Other Income |
| Total Income |
| Interest Expense |
| Operating Expenditure |
| Provisions and contingencies |
| Operating Profit |
| Profit Before Tax |
| Provision for Tax |
| Profit After Tax |
| Adjustments |
| Profit After Adjustments |
| Adjusted Earnings Per Share |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
|---|---|---|---|---|---|---|
| Interest Earned | 6475 | 6232 | 6222 | 7220 | 8299 | |
| Other Income | 1262 | 1404 | 954 | 993 | 1319 | |
| Total Income | 7736 | 7637 | 7176 | 8213 | 9617 | |
| Interest Expense | 4444 | 4049 | 3731 | 4035 | 5000 | |
| Operating Expenditure | 1635 | 1679 | 1812 | 1970 | 2454 | |
| Provisions and contingencies | 1135 | 1296 | 939 | 767 | 600 | |
| Operating Profit | 522 | 612 | 694 | 1440 | 1563 | |
| Profit Before Tax | 522 | 612 | 694 | 1440 | 1563 | |
| Provision for Tax | 90 | 129 | 186 | 261 | 256 | |
| Profit After Tax | 432 | 482 | 508 | 1180 | 1307 | |
| Adjustments | 0 | 0 | 0 | 0 | 0 | |
| Profit After Adjustments | 432 | 482 | 508 | 1180 | 1307 | |
| Adjusted Earnings Per Share | 13.9 | 15.5 | 16.3 | 37.8 | 34.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 15% | 10% | 0% | 0% |
| Operating Profit CAGR | 9% | 37% | 0% | 0% |
| PAT CAGR | 11% | 39% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -23% | 44% | 22% | 6% |
| ROE Average | 14% | 13% | 11% | 11% |
| ROCE Average | 14% | 14% | 12% | 12% |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Shareholder's Funds | 5970 | 6642 | 7094 | 8212 | 10848 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 |
| Deposits | 71785 | 75654 | 80387 | 87368 | 98057 |
| Borrowings | 4065 | 1765 | 2314 | 1563 | 4400 |
| Other Liabilities & Provisions | 1493 | 1553 | 1789 | 1914 | 2779 |
| Total Liabilities | 83313 | 85615 | 91583 | 99057 | 116083 |
| Cash and balance with RBI | 2756 | 4866 | 3957 | 5204 | 7656 |
| Bank Balance | 163 | 449 | 480 | 955 | 337 |
| Investments | 17545 | 21635 | 22040 | 23325 | 24300 |
| Advances | 56964 | 51516 | 56783 | 59952 | 71509 |
| Fixed Assets | 826 | 838 | 805 | 846 | 915 |
| Other Assets | 5058 | 6310 | 7505 | 8746 | 11367 |
| Total Assets | 83313 | 85615 | 91583 | 99057 | 116083 |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 3610 | 2919 | 5316 | 4437 | 6159 |
| Cash Flow from Operating Activities | -90 | 3368 | -467 | 1830 | 362 |
| Cash Flow from Investing Activities | -56 | -87 | -56 | -88 | -111 |
| Cash Flow from Financing Activities | -545 | -885 | -355 | -19 | 1582 |
| Net Cash Inflow / Outflow | -690 | 2396 | -879 | 1723 | 1833 |
| Closing Cash & Cash Equivalent | 2919 | 5316 | 4437 | 6159 | 7993 |
| # | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 13.89 | 15.52 | 16.33 | 37.77 | 34.64 |
| CEPS(Rs) | 15.94 | 17.88 | 18.69 | 40.54 | 36.54 |
| DPS(Rs) | 0 | 1.8 | 4 | 5 | 5.5 |
| Book NAV/Share(Rs) | 176.93 | 198.7 | 213.23 | 246.57 | 274.13 |
| Yield on Advances | 11.37 | 12.1 | 10.96 | 12.04 | 11.6 |
| Yield on Investments | 8.89 | 8.17 | 6.17 | 6.18 | 6.21 |
| Cost of Liabilities | 5.86 | 5.23 | 4.51 | 4.54 | 4.88 |
| NIM (Net Interest Margin) | 2.62 | 2.78 | 2.99 | 3.56 | 3.18 |
| Interest Spread | 5.51 | 6.87 | 6.45 | 7.51 | 6.73 |
| ROA(%) | 0.52 | 0.57 | 0.57 | 1.24 | 1.21 |
| ROE(%) | 7.85 | 8.26 | 7.93 | 16.46 | 14.48 |
| ROCE(%) | 7.6 | 8.79 | 9.43 | 17.61 | 14.25 |
| PER(x) | 3.03 | 3.94 | 3.39 | 3.6 | 6.5 |
| Price/Book(x) | 0.24 | 0.31 | 0.26 | 0.55 | 0.82 |
| Dividend Yield(%) | 0 | 2.94 | 7.22 | 3.68 | 2.44 |
| EV/Net Sales(x) | 0.83 | 0.59 | 0.65 | 0.81 | 1.55 |
| EV/Core EBITDA(x) | 3.24 | 1.92 | 2.47 | 2.63 | 5.96 |
| Interest Earned Growth(%) | 0 | -3.74 | -0.17 | 16.05 | 14.93 |
| Net Profit Growth | 0 | 11.74 | 5.29 | 132.22 | 10.76 |
| Advances Growth | 0 | -9.56 | 10.22 | 5.58 | 19.28 |
| EPS Growth(%) | 0 | 11.74 | 5.19 | 131.35 | -8.3 |
| Loans/Deposits(x) | 5.66 | 2.33 | 2.88 | 1.79 | 4.49 |
| Cash/Deposits(x) | 0.04 | 0.06 | 0.05 | 0.06 | 0.08 |
| Current Ratio(x) | 0.24 | 0.29 | 0.27 | 0.27 | 0.25 |
| Quick Ratio(x) | 5.66 | 2.33 | 2.88 | 1.79 | 4.49 |
| CASA % | 28.91 | 31.49 | 32.97 | 32.97 | 31.97 |
| # | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 18.16 | 19.76 | 20.31 | 21.03 | 22.68 | 19.03 | 18.86 | 14.72 | 10.29 | 11.22 |
| DII | 5.34 | 5.43 | 5.74 | 6 | 8.6 | 17.7 | 23.05 | 22.85 | 22.05 | 20.23 |
| Public | 76.5 | 74.82 | 73.95 | 72.96 | 68.72 | 63.27 | 58.09 | 62.42 | 67.66 | 68.56 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 5.65 | 6.16 | 6.34 | 6.57 | 7.09 | 6.6 | 7.11 | 5.56 | 3.89 | 4.24 |
| DII | 1.66 | 1.69 | 1.79 | 1.88 | 2.69 | 6.14 | 8.7 | 8.63 | 8.33 | 7.64 |
| Public | 23.82 | 23.34 | 23.1 | 22.8 | 21.5 | 21.94 | 21.91 | 23.56 | 25.55 | 25.91 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 31.13 | 31.19 | 31.23 | 31.24 | 31.29 | 34.67 | 37.72 | 37.75 | 37.77 | 37.79 |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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