Nifty

10724.40

Sensex

35808.95

-21.65(-0.20%)
-67.27(-0.19%)

Nifty
Sensex

:
:

10724.40
35808.95

-21.65(-0.20%)
-67.27(-0.19%)

The Karnataka Bank Ltd.

Bank - Private

Rating :

65/99 (View)

BSE: 532652 | NSE: KTKBANK

Watchlist

NSE BSE

111.85

-3.05 (-2.65%)

15-Feb-2019 | 3:57PM

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

113.60
114.40
111.00
114.90

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

1356681
1517.45
137.10
92.65

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,160.97
7.41
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

431.12
2.68%
0.60

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
7.18
8.09

P:BV (Average)

8 Years
5 Years
3 Years

0.74
0.74
0.75

EV:EBITDA (Average)

8 Years
5 Years
3 Years

4.54
3.50
2.01

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 Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var% Dec 17 Dec 16 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:

News Update

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 upgrading Core Banking Solution by Finacle version 10.2.x
8th Jan 2019, 09:55 AM

The same is proposed to be rolled out to all branches from the second week of January 2019
Read More
Karnataka Bank opens 835th branch in Bengaluru
5th Jan 2019, 10:08 AM

Earlier, the bank has opened 834th branch in Kalaburagi in Karnataka
Read More
Karnataka Bank opens 834th branch in Karnataka
3rd Jan 2019, 09:50 AM

The bank has opened 834th branch on January 02, 2019
Read More
Karnataka Bank opens 833th branch in Karnataka
2nd Jan 2019, 09:40 AM

The bank has opened new branch on January 01, 2019
Read More
Karnataka Bank launches mobile banking app 'KBL MobilePlus'
2nd Jan 2019, 08:56 AM

The app is integrated with BHIM KBL UPI, KBL mPassbook and KBL Locator
Read More
Karnataka Bank opens three new branches in Bengaluru
29th Dec 2018, 09:51 AM

The bank has opened 830th branch at Totagere
Read More
Karnataka Bank opens two new branches in Bengaluru
28th Dec 2018, 09:58 AM

The bank has opened 828th branch at Dodda Aalada Mara, Bengaluru Urban District
Read More
Karnataka Bank opens 829th Branch in Bengaluru
28th Dec 2018, 08:54 AM

The bank has opened its 829th Branch on December 27, 2018
Read More
Karnataka Bank enters into strategic partnership with Paisabazaar.com
19th Dec 2018, 08:57 AM

Through this partnership, consumers will now be able to choose and apply for a home loan from Karnataka Bank
Read More
Karnataka Bank inaugurates three new branches
29th Nov 2018, 09:46 AM

The Bank has inaugurated its 825th branch at Mangaluru
Read More
Karnataka Bank inaugurates 824th branch in Andhra Pradesh
17th Nov 2018, 09:37 AM

The Bank has opened branch in Penugonda on November 16, 2018
Read More
Karnataka Bank gets nod to raise Rs 400 crore via Bonds
16th Nov 2018, 16:10 PM

The Capital Augmentation Committee of Board of the Bank at their meeting held on November 16, 2018, approved the same
Read More
Karnataka Bank launches CASA campaign
16th Nov 2018, 09:30 AM

The Bank intends to open more than 4.18 lakh Current & Savings accounts by active involvement of its 8000 plus work force in all the 823 branches across India
Read More
Karnataka Bank inaugurates 823rd branch in Telangana
16th Nov 2018, 09:12 AM

The bank has inaugurated new branch on November 15, 2018
Read More
Karnataka Bank inaugurates 822th branch in Telangana
15th Nov 2018, 10:07 AM

Earlier, the Bank had opened 821st branch at Nettakallappa Circle in Bengaluru
Read More
Karnataka Bank opens first digital branch in Bengaluru
13th Nov 2018, 15:18 PM

The digital branch also happens to be the 821st branch of the bank
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