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Consolidated Standalone

Karnataka Bank

₹210.9 -0.6 | 0.3%

Market Cap ₹7964 Cr.

Stock P/E 6.1

P/B 0.7

Current Price ₹210.9

Book Value ₹ 292.3

Face Value 10

52W High ₹286.4

Dividend Yield 2.61%

52W Low ₹ 192.3

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.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 1629 1771 1851 1969 1959 2027 2113 2201 2278 2234
Other Income 133 260 205 395 324 250 326 419 279 270
Total Income 1762 2031 2055 2365 2283 2276 2439 2620 2557 2504
Interest Expense 942 968 1016 1109 1144 1204 1285 1367 1375 1401
Operating Expenditure 408 485 507 570 537 550 613 754 624 643
Provisions and contingencies 363 -14 165 253 152 120 144 185 40 31
Operating Profit 50 592 367 432 450 402 396 315 518 429
Profit Before Tax 50 592 367 432 450 402 396 315 518 429
Provision for Tax -64 180 66 79 79 72 65 41 118 93
Profit After Tax 114 411 301 354 371 330 331 274 400 336
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 114 411 301 354 371 330 331 274 400 336
Adjusted Earnings Per Share 3.7 13.2 9.6 11.3 11.9 10.6 9.6 7.3 10.6 8.9

Karnataka Bank Profit & Loss

#(Fig in Cr.) Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 6475 6232 6222 7220 8299 8826
Other Income 1262 1404 954 993 1319 1294
Total Income 7736 7637 7176 8213 9617 10120
Interest Expense 4444 4049 3731 4035 5000 5428
Operating Expenditure 1635 1679 1812 1970 2454 2634
Provisions and contingencies 1135 1296 939 767 600 400
Operating Profit 522 612 694 1440 1563 1658
Profit Before Tax 522 612 694 1440 1563 1658
Provision for Tax 90 129 186 261 256 317
Profit After Tax 432 482 508 1180 1307 1341
Adjustments 0 0 0 0 0 0
Profit After Adjustments 432 482 508 1180 1307 1341
Adjusted Earnings Per Share 13.9 15.5 16.3 37.8 34.6 36.4

Growth Rates

# 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 -11% 51% 26% 7%
ROE Average 14% 13% 11% 11%
ROCE Average 14% 14% 12% 12%

Karnataka Bank Balance Sheet

#(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

Karnataka Bank Cash Flow

#(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

Karnataka Bank Ratios

# 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

Karnataka Bank Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 0 0 0 0 0 0 0 0 0 0
FII 15.46 18.16 19.76 20.31 21.03 22.68 19.03 18.86 14.72 10.29
DII 5.34 5.34 5.43 5.74 6 8.6 17.7 23.05 22.85 22.05
Public 79.2 76.5 74.82 73.95 72.96 68.72 63.27 58.09 62.42 67.66
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 0.7 times its book value
  • 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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