Nifty

12086.70

Sensex

41009.71

114.90(0.96%)
428.00(1.05%)

Nifty
Sensex

:
:

12086.70
41009.71

114.90(0.96%)
428.00(1.05%)

The Karnataka Bank Ltd.

Bank - Private

Rating :

51/99 (View)

BSE: 532652 | NSE: KTKBANK

Watchlist

NSE BSE

71.90

-0.40 (-0.55%)

13-Dec-2019 | 3:54PM

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

72.40
73.00
71.65
72.30

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

891945
641.31
141.25
67.80

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,031.95
4.23
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,945.80
4.87%
0.37

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

21.66
10.26
8.52

EBITDA CAGR (%)

10 Years
5 Years
3 Years

7.63
-
2.92

PAT CAGR (%)

10 Years
5 Years
3 Years

11.06
1.12
1.81

P:E (Median)

8 Years
5 Years
3 Years

6.95
6.91
8.37

P:BV (Average)

8 Years
5 Years
3 Years

0.71
0.70
0.71

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.84
2.59
1.29

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 19 Sep 18 Var% Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var%
Interest Earned 1,629.64 1,452.61 12.19% 1,584.37 1,407.64 12.56% 1,531.29 1,443.04 6.12% 1,514.42 1,332.24 13.67%
Interest Exp. 1,130.92 984.90 14.83% 1,089.78 939.06 16.05% 1,050.41 901.53 16.51% 1,026.47 880.76 16.54%
Net Interest Income 498.72 467.71 6.63% 494.59 468.58 5.55% 480.88 541.51 -11.20% 487.95 451.48 8.08%
NIM 2.82 2.95 -4.41% 2.81 3.00 -6.33% 2.87 3.18 -9.75% 2.95 3.07 -3.91%
Other Income 308.76 201.20 53.46% 244.79 208.80 17.24% 290.59 294.51 -1.33% 301.37 194.62 54.85%
Total Income 1,938.40 1,653.81 17.21% 1,829.16 1,616.44 13.16% 1,821.88 1,737.55 4.85% 1,815.79 1,526.86 18.92%
Operating Exp. 394.05 312.58 26.06% 389.37 308.50 26.21% 447.24 360.69 24.00% 388.95 324.20 19.97%
Operating Profit 413.43 356.33 16.02% 350.01 368.88 -5.12% 324.23 475.33 -31.79% 400.37 321.90 24.38%
Provision 262.40 193.22 35.80% 201.14 222.06 -9.42% 217.73 541.75 -59.81% 208.99 196.40 6.41%
PBT 151.03 163.11 -7.41% 148.87 146.82 1.40% 106.50 -66.42 - 191.38 125.50 52.49%
PBTM 9.27 11.23 -17.45% 9.40 10.43 -9.88% 6.95 -4.60 - 12.64 9.42 34.18%
TAX 45.12 51.25 -11.96% -26.55 -16.42 - 44.77 -77.42 - 50.97 38.12 33.71%
PAT 105.91 111.86 -5.32% 175.42 163.24 7.46% 61.73 11.00 461.18% 140.41 87.38 60.69%
PATM 6.50% 7.70% 11.07% 11.60% 4.03% 0.76% 9.27% 6.56%
EPS 3.75 3.96 -5.30% 6.21 5.78 7.44% 2.18 0.39 458.97% 4.97 3.09 60.84%
Gross NPA 2,594.27 2,371.62 9.39% 2,437.53 2,296.53 6.14% 2,456.38 2,376.07 3.38% 2,345.93 1,784.31 31.48%
Gross NPA% 4.78 4.66 2.58% 4.55 4.72 -3.60% 4.41 4.92 -10.37% 4.45 3.97 12.09%
Net NPA 1,863.11 1,497.68 24.40% 1,759.77 1,395.97 26.06% 1,616.71 1,400.51 15.44% 1,560.94 1,262.96 23.59%
Net NPA% 3.48 3.00 16.00% 3.33 2.92 14.04% 2.95 2.96 -0.34% 3.00 2.85 5.26%
CASA 27.41 27.08 1.22% 27.40 27.35 0.18% 28.07 27.99 0.29% 26.65 28.23 -5.60%

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 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 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Net Interest Income 1,962.14 1,905.12 1,857.65 1,490.62 1,302.87 1,168.85 1,056.07 903.73 732.13 612.49 268.18 Interest Earned 6,259.72 5,905.96 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 Interest Expended 4,297.58 4,000.84 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 Int. income Growth 1.70% 2.56% 24.62% 14.41% 11.47% 10.68% 16.86% 23.44% 19.53% 128.39% Other Income 1,145.51 1,001.96 954.34 809.34 542.86 507.00 505.58 397.64 346.27 291.76 378.71 Total Income 7,405.23 2,907.08 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 Total Expenditure 1,619.61 2,245.14 2,451.78 1,782.26 1,275.50 1,130.61 1,127.47 813.16 767.90 646.31 434.90 Employee Cost - 605.56 524.79 601.03 443.02 524.66 525.40 375.08 324.95 345.08 206.80 % Of Sales - 10.25% 9.68% 11.59% 8.87% 11.17% 12.54% 9.96% 10.48% 14.56% 10.47% Opt. & Establishment Exp. - 905.85 864.10 752.88 590.41 363.64 374.74 314.98 265.15 226.86 201.48 % Of Sales - 15.34% 15.93% 14.52% 11.83% 7.74% 8.95% 8.37% 8.55% 9.57% 10.20% Provisions - 842.01 1,163.01 527.85 326.53 213.97 278.39 171.16 221.62 120.35 71.08 % Of Sales - 14.26% 21.44% 10.18% 6.54% 4.55% 6.65% 4.55% 7.15% 5.08% 3.60% EBITDA 1,488.04 661.94 360.21 517.70 570.23 545.24 434.18 488.21 310.50 257.94 211.99 EBITDA Margin 74.13% 34.75% 19.39% 34.73% 43.77% 46.65% 41.11% 54.02% 42.41% 42.11% 79.05% Depreciation 0.00 54.14 50.06 49.75 42.23 -14.17 25.53 24.03 21.91 22.99 22.23 PBT 597.78 607.80 310.16 467.95 528.00 559.40 408.65 464.18 288.59 234.94 189.76 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 114.31 130.56 -15.45 15.69 112.71 107.95 97.62 116.10 42.52 30.33 22.64 Tax Rate 19.12% 21.48% -4.98% 3.35% 21.35% 19.30% 23.89% 25.01% 14.73% 12.91% 11.93% PAT 483.47 477.24 325.61 452.26 415.29 451.45 311.03 348.08 246.07 204.61 167.12 PAT before Minority Interest 483.47 477.24 325.61 452.26 415.29 451.45 311.03 348.08 246.07 204.61 167.12 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 15.56% 16.42% 11.58% 19.66% 22.50% 26.94% 19.92% 26.75% 22.82% 22.63% 25.83% PAT Growth 29.45% 46.57% -28.00% 8.90% -8.01% 45.15% -10.64% 41.46% 20.26% 22.43% Unadjusted EPS 17.11 16.89 11.52 19.38 19.38 23.96 16.51 18.48 13.07 15.23 13.50

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 5,785.18 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 Share Capital 282.62 282.62 282.62 188.47 188.46 188.42 188.35 188.29 188.20 133.99 Total Reserves 5,502.57 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 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 68,452.12 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 Borrowings 3,325.51 815.97 832.62 1,051.48 1,037.76 1,915.19 1,579.76 1,147.07 1,086.33 691.64 Other Liabilities & Provisions 1,482.94 1,276.27 1,330.29 1,270.06 1,401.18 1,478.58 1,033.32 967.96 841.14 766.53 Total Liabilities 79,045.75 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 Net Block 775.00 761.60 720.57 306.64 291.85 197.48 166.96 152.23 153.80 156.35 Gross Block 1,160.24 1,096.79 1,006.72 548.77 495.18 418.92 367.43 334.55 328.91 313.85 Accumulated Depreciation 385.24 335.18 286.15 242.14 203.33 221.44 200.48 182.32 175.10 157.49 Total Non-Current Assets 75,397.94 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 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -8.28 -8.28 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 3,411.66 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 Balance with banks and money at call 198.09 55.19 344.76 399.30 125.71 184.67 235.84 160.82 46.25 62.45 Investments 16,184.99 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 Advances 54,828.20 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 Other Assets 3,647.82 3,314.86 2,908.57 2,989.67 3,218.93 921.65 765.46 741.85 707.01 640.22 Total Assets 79,045.76 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 Contingent Liabilities 6,522.23 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 Bills for collection 2,229.88 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 Adjusted Book Value 190.12 176.71 166.98 159.39 179.68 161.82 151.48 137.75 128.80 125.54

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity -2,231.06 720.88 -184.11 635.93 648.10 403.93 102.74 -121.56 -589.39 205.35 PBT 477.24 325.61 452.26 415.29 451.45 548.95 465.30 287.78 235.45 193.05 Adjustment 1,089.18 1,338.41 625.63 515.71 342.87 338.70 203.07 251.13 150.49 122.09 Adjustments for Liabilities & Assets -3,589.18 -621.71 -1,016.21 -109.84 184.75 -305.81 -332.41 -557.46 -847.92 -7.21 Refund/(Payment) of direct taxes -208.31 -321.43 -245.80 -185.23 -330.97 -177.91 -233.22 -103.02 -127.41 -102.58 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 -67.54 -91.34 -39.86 -57.92 -80.50 -54.33 -39.88 -27.59 -19.72 -31.47 Net Fixed Assets -63.45 -90.07 -457.95 -53.59 -76.26 -51.49 -32.88 -5.64 -15.06 -21.44 Other Investment Activity -1251.58 -1136.65 -1064.64 -629.27 -549.51 -458.80 -395.02 -354.27 -360.38 -352.38 Cash from Financing Activity 2,307.33 -302.56 453.08 -147.25 -290.85 34.00 25.37 28.66 789.63 170.94 Closing Cash & Equivalent 3,609.75 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 Net Cash Inflow / Outflow 8.74 326.98 229.11 430.77 276.75 383.60 88.23 -120.49 180.51 344.81 Opening Cash & Equivalents 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

Financial Ratios

Standalone

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 190.12 176.71 166.98 159.39 146.36 131.81 123.39 112.20 104.91 102.26 NIM 2.55 2.80 2.47 2.45 2.42 2.30 2.23 2.07 1.99 1.02 Yield on Advances 10.77 11.48 14.05 14.73 14.83 14.78 14.93 14.97 13.67 13.69 Yield on Investments 7.84 8.80 7.79 7.70 8.54 7.38 7.38 6.13 5.97 7.49 Cost of Liabilities 5.57 5.60 6.42 7.16 7.50 7.37 7.60 7.23 6.19 6.99 Interest Spread 5.20 5.88 7.63 7.57 7.33 7.41 7.33 7.73 7.48 6.70 ROCE 10.25% 6.61% 10.48% 13.73% 14.49% 12.03% 14.63% 10.71% 10.22% 11.51% Cost Income Ratio 50.13 47.61 56.70 53.70 53.85 56.00 51.18 52.69 60.71 59.68 Core Cost Income Ratio 53.11 51.21 65.35 55.58 57.73 59.91 53.36 55.26 63.83 83.08 Operating Costs to Assets 1.84 1.90 2.04 1.75 1.74 1.86 1.60 1.56 1.73 1.43 Loans/Deposits 0.05 0.01 0.01 0.02 0.02 0.05 0.04 0.04 0.04 0.03 Cash/Deposits 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.07 Investment/Deposits 0.24 0.25 0.36 0.32 0.30 0.38 0.37 0.41 0.42 0.42 Inc Loan/Deposits 4.86% 1.30% 1.47% 2.08% 2.26% 4.72% 4.38% 3.63% 3.97% 2.91% Credit Deposits 80.10% 75.16% 65.07% 67.15% 68.86% 69.85% 69.91% 65.55% 63.46% 60.83% Interest Expended / Interest earned 67.74% 65.75% 71.25% 73.90% 75.12% 74.79% 75.99% 76.39% 74.17% 86.43% Interest income / Total funds 7.47% 7.71% 8.10% 8.84% 9.06% 8.91% 9.06% 8.54% 7.48% 7.31% Interest Expended / Total funds 5.06% 5.07% 5.77% 6.53% 6.81% 6.66% 6.89% 6.52% 5.55% 6.32% CASA 28.06% 27.98% 29.04% 26.26% 24.94% 25.40% 24.91% 24.56% 24.88% 23.26%

Annual Reports:

News Update

Karnataka Bank launches novel public awareness initiative
13th Dec 2019, 09:48 AM

The train is vinyl wrapping carrying messages exclusively promoting civic values touching areas like Swachh Bharat
Read More
Karnataka Bank reports fraud of Rs 40.39 crore
5th Dec 2019, 10:03 AM

Hanung Toys and Textiles dealing with the bank since 2008 had availed various credit facilities under consortium arrangement
Read More
Karnataka Bank shifts Mangaluru branch to new premises
18th Nov 2019, 09:11 AM

The Bank had opened its 846th branch at Bengaluru - Buddha Jyothi Layout on November 06, 2019
Read More
Karnataka Bank launches CASA campaign to mobilize current & savings accounts
16th Nov 2019, 10:01 AM

A nationwide account mobilization campaign starting from November 15, 2019 to February 29 2020
Read More
Karnataka Bank opens 846th branch in Bengaluru
7th Nov 2019, 09:00 AM

The bank had opened 845th branch at Chikkanayakanahalli, Karnataka
Read More
Karnataka Bank opens two new branches
24th Oct 2019, 11:53 AM

The bank has opened its 844th branch at Ankleshwar, Gujarat
Read More
Karnataka Bank reports 5% fall in Q2 net profit
15th Oct 2019, 16:24 PM

Total income of the Bank increased by 17.21% at Rs 1938.40 crore for Q2FY20
Read More
Karnataka Bank - Quarterly Results
15th Oct 2019, 16:04 PM

Read More
Karnataka Bank provides support for rehabilitation of flood affected areas in Karnataka
4th Oct 2019, 11:33 AM

The Bank has donated a sum of Rs 50.00 lakh to ‘Karnataka State Disaster Management Authority’
Read More
Karnataka Bank wins ET Business Excellence Award 2019
21st Sep 2019, 11:44 AM

The bank has won the award in the category ‘Excellence in Banking Service’
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