Nifty

11752.80

Sensex

39140.28

-34.35(-0.29%)
-135.36(-0.34%)

Nifty
Sensex

:
:

11752.80
39140.28

-34.35(-0.29%)
-135.36(-0.34%)

The Karnataka Bank Ltd.

Bank - Private

Rating :

72/99 (View)

BSE: 532652 | NSE: KTKBANK

Watchlist

NSE BSE

135.10

-2.35 (-1.71%)

18-Apr-2019 | 3:57PM

Day's Open
Day's High
Day's Low
Previous Close

137.45
138.25
133.45
137.45

Volume
Traded Value (lacs)
52 Week High
52 Week Low

2849280
3849.38
141.25
92.65

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,802.49
8.92
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,072.64
2.23%
0.72

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

13.91
11.96
12.55

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
46.05
112.52

PAT CAGR (%)

10 Years
5 Years
3 Years

2.02
0.92
-7.79

P:E (Median)

8 Years
5 Years
3 Years

7.18
7.32
8.31

P:BV (Average)

8 Years
5 Years
3 Years

0.74
0.74
0.76

EV:EBITDA (Average)

8 Years
5 Years
3 Years

4.38
3.34
1.84

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var%
Interest Earned 1,514.42 1,332.24 13.67% 1,452.61 1,317.93 10.22% 1,407.64 1,330.54 5.79% 1,443.04 1,294.50 11.47%
Interest Exp. 1,026.47 880.76 16.54% 984.90 877.69 12.22% 939.06 906.12 3.64% 901.53 942.33 -4.33%
Net Interest Income 487.95 451.48 8.08% 467.71 440.24 6.24% 468.58 424.42 10.40% 541.51 352.17 53.76%
NIM 2.95 3.07 -3.91% 2.95 3.03 -2.64% 3.00 2.97 1.01% 3.18 2.44 30.33%
Other Income 301.37 194.62 54.85% 201.20 247.82 -18.81% 208.80 217.39 -3.95% 294.51 311.69 -5.51%
Total Income 1,815.79 1,526.86 18.92% 1,653.81 1,565.75 5.62% 1,616.44 1,547.93 4.43% 1,737.55 1,606.19 8.18%
Operating Exp. 388.95 324.20 19.97% 312.58 321.82 -2.87% 308.50 332.11 -7.11% 360.69 334.59 7.80%
Operating Profit 400.37 321.90 24.38% 356.33 366.24 -2.71% 368.88 309.70 19.11% 475.33 329.27 44.36%
Provision 208.99 196.40 6.41% 193.22 225.98 -14.50% 222.06 198.88 11.66% 541.75 160.40 237.75%
PBT 191.38 125.50 52.49% 163.11 140.26 16.29% 146.82 110.82 32.49% -66.42 168.87 -
PBTM 12.64 9.42 34.18% 11.23 10.64 5.55% 10.43 8.33 25.21% -4.60 13.05 -
TAX 50.97 38.12 33.71% 51.25 46.88 9.32% -16.42 -23.03 - -77.42 30.50 -
PAT 140.41 87.38 60.69% 111.86 93.38 19.79% 163.24 133.85 21.96% 11.00 138.37 -92.05%
PATM 9.27% 6.56% 7.70% 7.09% 11.60% 10.06% 0.76% 10.69%
EPS 4.97 3.09 60.84% 3.96 3.30 20.00% 5.78 4.74 21.94% 0.39 4.90 -92.04%
Gross NPA 2,345.93 1,784.31 31.48% 2,371.62 1,715.70 38.23% 2,296.53 1,690.87 35.82% 2,376.07 1,581.59 50.23%
Gross NPA% 4.45 3.97 12.09% 4.66 4.13 12.83% 4.72 4.34 8.76% 4.92 4.21 16.86%
Net NPA 1,560.94 1,262.96 23.59% 1,497.68 1,246.81 20.12% 1,395.97 1,229.84 13.51% 1,400.51 974.73 43.68%
Net NPA% 3.00 2.85 5.26% 3.00 3.04 -1.32% 2.92 3.20 -8.75% 2.96 2.64 12.12%
CASA 26.65 28.23 -5.60% 27.08 28.58 -5.25% 27.35 28.94 -5.49% 27.99 29.04 -3.62%

Description Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Net Interest Income 1,965.75 1,857.65 1,490.62 1,302.87 1,168.85 1,056.07 903.73 732.13 612.49 268.18 504.93 Interest Earned 5,817.71 5,423.75 5,185.40 4,992.21 4,698.42 4,188.83 3,764.29 3,101.00 2,370.85 1,975.97 1,948.76 Interest Expended 3,851.96 3,566.10 3,694.78 3,689.34 3,529.57 3,132.76 2,860.56 2,368.87 1,758.36 1,707.79 1,443.83 Int. income Growth 17.83% 24.62% 14.41% 11.47% 10.68% 16.86% 23.44% 19.53% 128.39% -46.89% Other Income 1,005.88 954.34 809.34 542.86 507.00 505.58 397.64 346.27 291.76 378.71 321.79 Total Income 6,823.59 2,811.99 2,299.96 1,845.73 1,675.85 1,561.65 1,301.37 1,078.40 904.25 646.89 826.72 Total Expenditure 1,370.72 2,451.78 1,782.26 1,275.50 1,130.61 1,127.47 813.16 767.90 646.31 434.90 407.17 Employee Cost - 524.79 601.03 443.02 524.66 525.40 375.08 324.95 345.08 206.80 190.41 % Of Sales - 9.68% 11.59% 8.87% 11.17% 12.54% 9.96% 10.48% 14.56% 10.47% 9.77% Opt. & Establishment Exp. - 864.10 752.88 590.41 363.64 374.74 314.98 265.15 226.86 201.48 175.94 % Of Sales - 15.93% 14.52% 11.83% 7.74% 8.95% 8.37% 8.55% 9.57% 10.20% 9.03% Provisions - 1,163.01 527.85 326.53 213.97 278.39 171.16 221.62 120.35 71.08 80.50 % Of Sales - 21.44% 10.18% 6.54% 4.55% 6.65% 4.55% 7.15% 5.08% 3.60% 4.13% EBITDA 1,600.91 360.21 517.70 570.23 545.24 434.18 488.21 310.50 257.94 211.99 419.55 EBITDA Margin 76.44% 19.39% 34.73% 43.77% 46.65% 41.11% 54.02% 42.41% 42.11% 79.05% 83.09% Depreciation 0.00 50.06 49.75 42.23 -14.17 25.53 24.03 21.91 22.99 22.23 19.84 PBT 434.89 310.16 467.95 528.00 559.40 408.65 464.18 288.59 234.94 189.76 399.71 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 8.38 -15.45 15.69 112.71 107.95 97.62 116.10 42.52 30.33 22.64 133.01 Tax Rate 1.93% -4.98% 3.35% 21.35% 19.30% 23.89% 25.01% 14.73% 12.91% 11.93% 33.28% PAT 426.51 325.61 452.26 415.29 451.45 311.03 348.08 246.07 204.61 167.12 266.70 PAT before Minority Interest 426.51 325.61 452.26 415.29 451.45 311.03 348.08 246.07 204.61 167.12 266.70 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 14.35% 11.58% 19.66% 22.50% 26.94% 19.92% 26.75% 22.82% 22.63% 25.83% 32.26% PAT Growth -5.84% -28.00% 8.90% -8.01% 45.15% -10.64% 41.46% 20.26% 22.43% -37.34% Unadjusted EPS 15.10 11.52 19.38 19.38 23.96 16.51 18.48 13.07 15.23 13.50 21.96

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Shareholder's Funds 5,410.15 5,142.58 3,690.58 3,389.06 3,052.20 2,857.08 2,598.21 2,429.09 1,832.75 1,567.03 Share Capital 282.62 282.62 188.47 188.46 188.42 188.35 188.29 188.20 133.99 121.58 Total Reserves 5,127.53 4,859.97 3,499.20 3,197.60 2,860.46 2,664.73 2,405.36 2,235.70 1,689.83 1,436.72 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 62,871.29 56,733.11 50,488.21 46,008.61 40,582.83 36,056.22 31,608.32 27,336.45 23,730.65 20,333.29 Borrowings 815.97 832.62 1,051.48 1,037.76 1,915.19 1,579.76 1,147.07 1,086.33 691.64 3.97 Other Liabilities & Provisions 1,276.27 1,330.29 1,270.06 1,401.18 1,478.58 1,033.32 967.96 841.14 766.53 953.52 Total Liabilities 70,373.68 64,038.60 56,500.33 51,836.61 47,028.80 41,526.38 36,321.56 31,693.01 27,021.57 22,857.81 Net Block 761.60 720.57 306.64 291.85 197.48 166.96 152.23 153.80 156.35 149.88 Gross Block 1,096.79 1,006.72 548.77 495.18 418.92 367.43 334.55 328.91 313.85 292.41 Accumulated Depreciation 335.18 286.15 242.14 203.33 221.44 200.48 182.32 175.10 157.49 142.52 Total Non-Current Assets 67,058.81 61,130.03 53,510.66 48,617.67 46,107.15 40,760.92 35,579.73 30,985.99 26,381.35 22,370.75 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -8.28 -8.28 -11.40 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 3,545.82 2,929.27 2,645.62 2,488.45 2,152.73 1,717.96 1,704.75 1,939.81 1,743.10 1,364.98 Balance with banks and money at call 55.19 344.76 399.30 125.71 184.67 235.84 160.82 46.25 62.45 95.75 Investments 15,444.45 20,219.73 16,256.65 14,031.67 15,226.78 13,432.48 12,841.23 11,506.34 9,992.05 8,961.49 Advances 47,251.75 36,915.70 33,902.45 31,679.99 28,345.49 25,207.68 20,720.70 17,348.07 14,435.68 11,810.05 Other Assets 3,314.86 2,908.57 2,989.67 3,218.93 921.65 765.46 741.85 707.01 640.22 487.05 Total Assets 70,373.67 64,038.60 56,500.33 51,836.60 47,028.80 41,526.38 36,321.58 31,693.00 27,021.57 22,857.80 Contingent Liabilities 7,519.18 5,336.03 5,877.70 8,315.69 9,007.93 6,199.41 8,117.45 9,035.80 10,119.24 10,042.74 Bills for collection 2,407.27 1,925.77 1,507.99 4,103.53 2,838.63 1,768.04 2,194.84 962.90 1,032.24 928.93 Adjusted Book Value 176.71 166.98 159.39 179.68 161.82 151.48 137.75 128.80 125.54 118.21

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Cash From Operating Activity 720.88 -184.11 635.93 648.10 403.93 102.74 -121.56 -589.39 205.35 -53.02 PBT 325.61 452.26 415.29 451.45 548.95 465.30 287.78 235.45 193.05 406.15 Adjustment 1,338.41 625.63 515.71 342.87 338.70 203.07 251.13 150.49 122.09 112.28 Adjustments for Liabilities & Assets -621.71 -1,016.21 -109.84 184.75 -305.81 -332.41 -557.46 -847.92 -7.21 -403.34 Refund/(Payment) of direct taxes -321.43 -245.80 -185.23 -330.97 -177.91 -233.22 -103.02 -127.41 -102.58 -168.10 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -91.34 -39.86 -57.92 -80.50 -54.33 -39.88 -27.59 -19.72 -31.47 -38.53 Net Fixed Assets -90.07 -457.95 -53.59 -76.26 -51.49 -32.88 -5.64 -15.06 -21.44 -30.76 Other Investment Activity -1136.65 -1064.64 -629.27 -549.51 -458.80 -395.02 -354.27 -360.38 -352.38 -322.81 Cash from Financing Activity -302.56 453.08 -147.25 -290.85 34.00 25.37 28.66 789.63 170.94 -69.15 Closing Cash & Equivalent 3,601.01 3,274.03 3,044.92 2,614.15 2,337.40 1,953.80 1,865.57 1,986.06 1,805.55 1,460.74 Net Cash Inflow / Outflow 326.98 229.11 430.77 276.75 383.60 88.23 -120.49 180.51 344.81 -160.70 Opening Cash & Equivalents 3,274.03 3,044.92 2,614.15 2,337.40 1,953.80 1,865.57 1,986.06 1,805.55 1,460.74 1,621.43

Financial Ratios

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value 176.71 166.98 159.39 146.36 131.81 123.39 112.20 104.91 102.26 96.28 NIM 2.80 2.47 2.45 2.42 2.30 2.23 2.07 1.99 1.02 2.27 Yield on Advances 11.48 14.05 14.73 14.83 14.78 14.93 14.97 13.67 13.69 16.50 Yield on Investments 8.80 7.79 7.70 8.54 7.38 7.38 6.13 5.97 7.49 7.86 Cost of Liabilities 5.60 6.42 7.16 7.50 7.37 7.60 7.23 6.19 6.99 7.10 Interest Spread 5.88 7.63 7.57 7.33 7.41 7.33 7.73 7.48 6.70 9.40 ROCE 6.61% 10.48% 13.73% 14.49% 12.03% 14.63% 10.71% 10.22% 11.51% 28.24% Cost Income Ratio 47.61 56.70 53.70 53.85 56.00 51.18 52.69 60.71 59.68 41.91 Core Cost Income Ratio 51.21 65.35 55.58 57.73 59.91 53.36 55.26 63.83 83.08 51.92 Operating Costs to Assets 1.90 2.04 1.75 1.74 1.86 1.60 1.56 1.73 1.43 1.52 Loans/Deposits 0.01 0.01 0.02 0.02 0.05 0.04 0.04 0.04 0.03 0.00 Cash/Deposits 0.06 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.07 0.07 Investment/Deposits 0.25 0.36 0.32 0.30 0.38 0.37 0.41 0.42 0.42 0.44 Inc Loan/Deposits 1.30% 1.47% 2.08% 2.26% 4.72% 4.38% 3.63% 3.97% 2.91% 0.02% Credit Deposits 75.16% 65.07% 67.15% 68.86% 69.85% 69.91% 65.55% 63.46% 60.83% 58.08% Interest Expended / Interest earned 65.75% 71.25% 73.90% 75.12% 74.79% 75.99% 76.39% 74.17% 86.43% 74.09% Interest income / Total funds 7.71% 8.10% 8.84% 9.06% 8.91% 9.06% 8.54% 7.48% 7.31% 8.53% Interest Expended / Total funds 5.07% 5.77% 6.53% 6.81% 6.66% 6.89% 6.52% 5.55% 6.32% 6.32% CASA 27.98% 29.04% 26.26% 24.94% 25.40% 24.91% 24.56% 24.88% 23.26% 19.95%

Annual Reports:

Financial Year 2016

Financial Year 2015

Financial Year 2014

News Update

Karnataka Bank inks MoU with Bharti Axa for life insurance business
2nd Apr 2019, 16:29 PM

The Bank will be able to provide wide choice of Life Insurance products to its customers across all its 836 branches
Read More
Karnataka Bank targets Rs 1,44,000 crore business turnover for FY20
2nd Apr 2019, 10:37 AM

The company has achieved a new business high of Rs 1,23,300 crore business turnover in FY19
Read More
Karnataka Bank reports Rs 13.26 crore fraud to RBI
25th Mar 2019, 09:23 AM

The bank has reported fraud in the fund based working capital facility that was extended to SRS Finance
Read More
Karnataka Bank opens 839th branch in Karnataka
22nd Mar 2019, 08:49 AM

The bank has opened its 839th Branch on March 20, 2019
Read More
Karnataka Bank inks agreement with Karvy DigiKonnect for Contact Centre operations
18th Mar 2019, 10:04 AM

The operation will be an effective interface between the Bank and millions of its customers
Read More
RBI levies penalty of Rs 4 crore on Karnataka Bank
5th Mar 2019, 08:50 AM

RBI has levied a penalty for delay in implementation of four of the Swift related operational controls
Read More
Karnataka Bank raises Rs 320 crore via NCDs
19th Feb 2019, 09:42 AM

The Capital Angmeiitation Committee of Board of the bank at its meeting held on February 18, 2019 has approved the allotment
Read More
Karnataka Bank opens 838th branch in Mysuru
18th Feb 2019, 09:59 AM

The bank has opened its 838th branch on February 16, 2019
Read More
Karnataka Bank shifts Arehalli Branch to new premises
18th Feb 2019, 09:50 AM

The branch has been shifted on February 16, 2019
Read More
Karnataka Bank wins 2 awards instituted by ET Now - World BFSI Congress
18th Feb 2019, 09:20 AM

The company has won ‘Bank with Best Technology Orientation’ award
Read More
Karnataka Bank introduces new Term Deposit scheme
18th Feb 2019, 09:04 AM

Resident Senior Citizens are eligible for additional 0.50% interest
Read More
Karnataka Bank shifts Mangaluru -Derebail Branch to new premises
12th Feb 2019, 15:44 PM

The Branch has been shifted on February 11, 2019
Read More
Karnataka Bank opens 837th branch in Gujarat
8th Feb 2019, 10:19 AM

The branch is located at Morbi in the state of Gujarat
Read More
Karnataka Bank opens 836th branch in Karnataka
1st Feb 2019, 09:18 AM

The bank has opened its 836th Branch on January 31, 2019
Read More
Karnataka Bank reports 61% rise in Q3 net profit
14th Jan 2019, 09:58 AM

Total income of the Bank increased by 18.92% at Rs 1,815.79 crore for Q3FY19
Read More
Karnataka Bank - Quarterly Results
11th Jan 2019, 14:12 PM

Read More

The Karnataka Bank Ltd.

Bank - Private

BSE: 532652 | NSE: KTKBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update