Karnataka Bank

₹187.8 -0.5 | 0.3%

WEBSITE BSE:532652 NSE : KARNATAKA BK 24 Jan, 16:01

Market Cap ₹7094 Cr.

Stock P/E 5.4

P/B 0.6

Current Price ₹187.8

Book Value ₹ 292.3

Face Value 10

52W High ₹263.1

Dividend Yield 2.93%

52W Low ₹ 185.8

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.

Karnataka Bank Share Price

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Peer Comparison

Karnataka Bank Quarterly Results

#(Fig in Cr.)
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

Karnataka Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Interest Earned	4189	4698	4992	5185	5424	5906	6475	6232	6222	7220	8299
Other Income	506	507	543	809	954	1002	1262	1404	954	993	1319
Total Income	4694	5205	5535	5995	6378	6908	7736	7637	7176	8213	9617
Interest Expense	3133	3530	3689	3695	3566	4001	4444	4049	3731	4035	5000
Operating Expenditure	875	902	991	1304	1339	1457	1635	1679	1811	1969	2454
Provisions and contingencies	278	214	327	528	1163	842	1135	1296	939	767	601
Operating Profit	409	559	528	468	310	608	522	612	695	1441	1563
Profit Before Tax	409	559	528	468	310	608	522	612	695	1441	1563
Provision for Tax	98	108	113	16	-15	131	90	129	186	261	256
Profit After Tax	311	451	415	452	326	477	432	483	509	1180	1306
Adjustments	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	311	451	415	452	326	477	432	483	509	1180	1306
Adjusted Earnings Per Share	12.2	17.7	16.3	14.5	10.5	15.4	13.9	15.5	16.3	37.8	34.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	15%	10%	7%	7%
Operating Profit CAGR	8%	37%	21%	14%
PAT CAGR	11%	39%	22%	15%

#	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%	11%

Karnataka Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	3052	3389	3691	5143	5410	5785	5970	6642	7095	8213	10848
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	40583	46009	50488	56733	62871	68452	71785	75655	80387	87368	98058
Borrowings	1915	1038	1051	833	816	3326	4065	1765	2314	1563	4400
Other Liabilities & Provisions	1479	1401	1270	1330	1276	1483	1493	1553	1789	1914	2779
Total Liabilities	47029	51837	56500	64039	70374	79046	83313	85615	91584	99058	116085
Cash and balance with RBI	2153	2488	2646	2929	3546	3412	2756	4866	3957	5204	7656
Bank Balance	185	126	399	345	55	198	163	449	480	955	337
Investments	15227	14032	16257	20220	15444	16185	17545	21635	22041	23326	24302
Advances	28345	31680	33902	36916	47252	54828	56964	51516	56783	59952	71509
Fixed Assets	197	292	307	721	762	775	826	838	805	846	915
Other Assets	922	3219	2990	2909	3315	3648	5058	6310	7505	8746	11367
Total Assets	47029	51837	56500	64039	70374	79046	83313	85615	91584	99058	116085

Karnataka Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	1954	2337	2614	3045	3274	3601	3610	2919	5316	4437	6159
Cash Flow from Operating Activities	404	648	636	-184	721	-2231	-90	3369	-467	1830	362
Cash Flow from Investing Activities	-54	-80	-58	-40	-91	-68	-56	-87	-56	-87	-111
Cash Flow from Financing Activities	34	-291	-147	453	-303	2307	-545	-885	-355	-20	1582
Net Cash Inflow / Outflow	384	277	431	229	327	9	-690	2396	-879	1723	1833
Closing Cash & Cash Equivalent	2337	2614	3045	3274	3601	3610	2919	5316	4437	6159	7993

Karnataka Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	12.22	17.74	16.32	14.55	10.47	15.35	13.89	15.52	16.35	37.79	34.63
CEPS(Rs)	13.23	17.18	17.98	16.15	12.08	17.09	15.94	17.89	18.71	40.55	36.53
DPS(Rs)	4	5	5	4	3	3.5	0	1.8	4	5	5.5
Book NAV/Share(Rs)	119.82	133.05	144.9	151.8	160.64	172.84	176.93	198.7	213.25	246.62	274.16
Yield on Advances	14.78	14.83	14.73	14.05	11.48	10.77	11.37	12.1	10.96	12.04	11.6
Yield on Investments	7.38	8.54	7.7	7.79	8.8	7.84	8.89	8.17	6.16	6.18	6.21
Cost of Liabilities	7.37	7.5	7.16	6.42	5.6	5.57	5.86	5.23	4.51	4.54	4.88
NIM (Net Interest Margin)	2.3	2.42	2.45	2.47	2.8	2.55	2.62	2.78	2.99	3.56	3.18
Interest Spread	7.41	7.33	7.57	7.63	5.88	5.2	5.51	6.87	6.45	7.51	6.73
ROA(%)	0.7	0.91	0.77	0.75	0.48	0.64	0.53	0.57	0.57	1.24	1.21
ROE(%)	10.54	14.03	11.74	10.76	6.7	9.21	7.94	8.27	7.94	16.46	14.48
ROCE(%)	12.03	14.49	13.73	10.48	6.61	10.25	7.96	8.79	9.44	17.61	14.25
PER(x)	7.1	5.2	4.64	8.79	9.99	7.9	3.03	3.94	3.39	3.6	6.5
Price/Book(x)	0.72	0.69	0.52	0.84	0.65	0.7	0.24	0.31	0.26	0.55	0.82
Dividend Yield(%)	3.41	4.01	4.89	2.84	2.61	2.62	0	2.94	7.22	3.68	2.44
EV/Net Sales(x)	0.98	0.72	0.6	0.93	0.75	1.2	0.83	0.59	0.65	0.81	1.55
EV/Core EBITDA(x)	6	4.38	3.49	4.83	2.76	4.9	3.24	1.92	2.47	2.63	5.96
Interest Earned Growth(%)	11.28	12.17	6.25	3.87	4.6	8.89	9.63	-3.74	-0.17	16.05	14.93
Net Profit Growth	-10.64	45.14	-8.01	8.9	-28	46.57	-9.53	11.76	5.4	132.05	10.68
Advances Growth	12.45	11.76	7.02	8.89	28	16.03	3.9	-9.56	10.22	5.58	19.28
EPS Growth(%)	-10.68	45.12	-8.01	-10.84	-28.01	46.57	-9.53	11.76	5.3	131.17	-8.36
Loans/Deposits(x)	4.72	2.26	2.08	1.47	1.3	4.86	5.66	2.33	2.88	1.79	4.49
Cash/Deposits(x)	0.05	0.05	0.05	0.05	0.06	0.05	0.04	0.06	0.05	0.06	0.08
Current Ratio(x)	0.38	0.3	0.32	0.36	0.25	0.24	0.24	0.29	0.27	0.27	0.25
Quick Ratio(x)	4.72	2.26	2.08	1.47	1.3	4.86	5.66	2.33	2.88	1.79	4.49
CASA %	25.4	24.94	26.26	29.04	27.98	28.06	28.91	31.49	32.97	32.97	31.97

Karnataka Bank Shareholding Pattern

#	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

Pros

Stock is trading at 0.6 times its book value
Company has delivered good profit growth of 22% CAGR over last 5 years
Company is almost debt free.

Cons

Promoter holding is low: 0%.
Company has a low return on equity of 13% 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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Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

#	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

Karnataka Bank

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Karnataka Bank Research see more...

Overview Inc. Year: 1924Industry: Bank - Private

Karnataka Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Karnataka Bank Quarterly Results

Karnataka Bank Profit & Loss

Growth Rates

Karnataka Bank Balance Sheet

Karnataka Bank Cash Flow

Karnataka Bank Ratios

Karnataka Bank Shareholding Pattern

Karnataka Bank News

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