The Karnataka Bank Live BSE/NSE | The Karnataka Bank Fundamenta data | The Karnataka Bank Balance sheet | The Karnataka Bank Quarterly Results | The Karnataka Bank Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,324.30
3.07
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

2,633.37
N/A
0.24

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

12.73
9.28
3.01

EBITDA CAGR (%)

10 Years
5 Years
3 Years

31.43
125.89
6.29

PAT CAGR (%)

10 Years
5 Years
3 Years

7.75
0.78
9.86

P:E (Median)

8 Years
5 Years
3 Years

6.85
6.84
7.76

P:BV (Average)

8 Years
5 Years
3 Years

0.25
0.25
0.25

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.48
2.02
1.00

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Var% Dec 19 Dec 18 Var% Sep 19 Sep 18 Var% Jun 19 Jun 18 Var%
Interest Earned 1,639 1,531 7% 1,622 1,514 7% 1,630 1,453 12% 1,584 1,408 13%
Interest Exp. 1,110 1,050 6% 1,114 1,026 9% 1,131 985 15% 1,090 939 16%
Net Interest Income 529 481 10% 508 488 4% 499 468 7% 495 469 6%
NIM 0 3 -100% 3 3 -4% 3 3 -4% 3 3 -6%
Other Income 440 291 52% 402 301 33% 309 201 53% 245 209 17%
Total Income 2,080 1,822 14% 2,024 1,816 11% 1,938 1,654 17% 1,829 1,616 13%
Operating Exp. 578 447 29% 408 389 5% 394 313 26% 389 308 26%
Operating Profit 392 324 21% 502 400 25% 413 356 16% 350 369 -5%
Provision 356 218 64% 315 209 51% 262 193 36% 201 222 -9%
PBT 35 106 -67% 187 191 -2% 151 163 -7% 149 147 1%
PBTM 2 7 -69% 12 13 -9% 9 11 -17% 9 10 -10%
TAX 8 45 -83% 64 51 25% 45 51 -12% -27 -16 -
PAT 27 62 -56% 123 140 -12% 106 112 -5% 175 163 7%
PATM 2% 4% 8% 9% 6% 8% 11% 12%
EPS 0.88 1.99 -56% 3.96 4.52 -12% 3.41 3.60 -5% 5.64 5.25 7%
Gross NPA 2,800 2,456 14% 2,777 2,346 18% 2,594 2,372 9% 2,438 2,297 6%
Gross NPA% 5 4 9% 5 4 12% 5 5 3% 5 5 -4%
Net NPA 1,755 1,617 9% 2,058 1,561 32% 1,863 1,498 24% 1,760 1,396 26%
Net NPA% 3 3 4% 4 3 25% 3 3 16% 3 3 14%
CASA 0 28 -100% 27 27 3% 27 27 1% 27 27 0%

Description Mar 20 Mar 19 Var% Dec 19 Dec 18 Var% Sep 19 Sep 18 Var% Jun 19 Jun 18 Var%
Interest Earned 0 0 0 0 0 0 0 0 0 0 0 0
Interest Exp. 0 0 0 0 0 0 0 0 0 0 0 0
Net Interest Income 0 0 0 0 0 0 0 0 0 0 0 0
NIM 0 0 0 0 0 0 0 0 0 0 0 0
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 0 0 0 0 0 0 0 0 0 0
Operating Exp. 0 0 0 0 0 0 0 0 0 0 0 0
Operating Profit 0 0 0 0 0 0 0 0 0 0 0 0
Provision 0 0 0 0 0 0 0 0 0 0 0 0
PBT 0 0 0 0 0 0 0 0 0 0 0 0
PBTM 0 0 0 0 0 0 0 0 0 0 0 0
TAX 0 0 0 0 0 0 0 0 0 0 0 0
PAT 0 0 0 0 0 0 0 0 0 0 0 0
PATM 0% 0% 0% 0% 0% 0% 0% 0%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0 0 0 0 0 0 0 0 0 0 0 0
Gross NPA% 0 0 0 0 0 0 0 0 0 0 0 0
Net NPA 0 0 0 0 0 0 0 0 0 0 0 0
Net NPA% 0 0 0 0 0 0 0 0 0 0 0 0
CASA 0 0 0 0 0 0 0 0 0 0 0 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income - 2,030 1,905 1,858 1,491 1,303 1,169 1,056 904 732 612 Interest Earned - 6,475 5,906 5,424 5,185 4,992 4,698 4,189 3,764 3,101 2,371 Interest Expended - 4,444 4,001 3,566 3,695 3,689 3,530 3,133 2,861 2,369 1,758 Int. income Growth - 7% 3% 25% 14% 11% 11% 17% 23% 20% Other Income - 1,396 1,002 954 809 543 507 506 398 346 292 Total Income - 3,426 2,907 2,812 2,300 1,846 1,676 1,562 1,301 1,078 904 Total Expenditure - 2,841 2,245 2,452 1,782 1,276 1,131 1,127 813 768 646 Employee Cost - 897 606 525 601 443 525 525 375 325 345 % Of Sales - 14% 10% 10% 12% 9% 11% 13% 10% 10% 15% Opt. & Establishment Exp. - 936 906 864 753 590 364 375 315 265 227 % Of Sales - 14% 15% 16% 15% 12% 8% 9% 8% 9% 10% Provisions - 1,135 842 1,163 528 327 214 278 171 222 120 % Of Sales - 18% 14% 21% 10% 7% 5% 7% 5% 7% 5% EBITDA - 586 662 360 518 570 545 434 488 310 258 EBITDA Margin - 29% 35% 19% 35% 44% 47% 41% 54% 42% 42% Depreciation - 64 54 50 50 42 -14 26 24 22 23 PBT - 522 608 310 468 528 559 409 464 289 235 Exceptional Inc./Exp. - 0 0 0 0 0 0 0 0 0 0 Provision for Tax - 90 131 -15 16 113 108 98 116 43 30 Tax Rate - 17% 21% -5% 3% 21% 19% 24% 25% 15% 13% PAT - 432 477 326 452 415 451 311 348 246 205 PAT before Minority Interest - 432 477 326 452 415 451 311 348 246 205 Minority Interest - 0 0 0 0 0 0 0 0 0 0 PAT Margin - 13% 16% 12% 20% 22% 27% 20% 27% 23% 23% PAT Growth - -10% 47% -28% 9% -8% 45% -11% 41% 20% EPS - 13.89 15.35 10.47 14.55 13.36 14.52 10.00 11.20 7.91 6.58

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 5,970 5,785 5,410 5,143 3,691 3,389 3,052 2,857 2,598 2,429 Share Capital 311 283 283 283 188 188 188 188 188 188 Total Reserves 5,660 5,503 5,128 4,860 3,499 3,198 2,860 2,665 2,405 2,236 Minority Interest 0 0 0 0 0 0 0 0 0 0 Deposits 71,785 68,452 62,871 56,733 50,488 46,009 40,583 36,056 31,608 27,336 Borrowings 4,065 3,326 816 833 1,051 1,038 1,915 1,580 1,147 1,086 Other Liabilities & Provisions 1,493 1,483 1,276 1,330 1,270 1,401 1,479 1,033 968 841 Total Liabilities 83,313 79,046 70,374 64,039 56,500 51,837 47,029 41,526 36,322 31,693 Net Block 826 775 762 721 307 292 197 167 152 154 Gross Block 1,260 1,160 1,097 1,007 549 495 419 367 335 329 Accumulated Depreciation 434 385 335 286 242 203 221 200 182 175 Total Non-Current Assets 78,256 75,398 67,059 61,130 53,511 48,618 46,107 40,761 35,580 30,986 Lease Adjustment A/c 0 0 0 0 0 0 0 0 0 -8 Capital Work in Progress 0 0 0 0 0 0 0 0 0 0 Cash and balance with RBI 2,756 3,412 3,546 2,929 2,646 2,488 2,153 1,718 1,705 1,940 Balance with banks and money at call 163 198 55 345 399 126 185 236 161 46 Investments 17,545 16,185 15,444 20,220 16,257 14,032 15,227 13,432 12,841 11,506 Advances 56,964 54,828 47,252 36,916 33,902 31,680 28,345 25,208 20,721 17,348 Other Assets 5,058 3,648 3,315 2,909 2,990 3,219 922 765 742 707 Total Assets 83,313 79,046 70,374 64,039 56,500 51,837 47,029 41,526 36,322 31,693 Contingent Liabilities 7,724 6,522 7,519 5,336 5,878 8,316 9,008 6,199 8,117 9,036 Bills for collection 2,315 2,230 2,407 1,926 1,508 4,104 2,839 1,768 2,195 963 Adjusted Book Value 177 190 177 167 159 180 162 151 138 129

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity -90 -2,231 721 -184 636 648 404 103 -122 -589 PBT 432 477 326 452 415 451 549 465 288 235 Adjustment 1,366 1,089 1,338 626 516 343 339 203 251 150 Adjustments for Liabilities & Assets -1,672 -3,589 -622 -1,016 -110 185 -306 -332 -557 -848 Refund/(Payment) of direct taxes -214 -208 -321 -246 -185 -331 -178 -233 -103 -127 Other Direct Payments 0 0 0 0 0 0 0 0 0 0 Cash From Investing Activity -56 -68 -91 -40 -58 -80 -54 -40 -28 -20 Net Fixed Assets -100 -63 -90 -458 -54 -76 -51 -33 -6 -15 Other Investment Activity -1,328 -1,252 -1,137 -1,065 -629 -550 -459 -395 -354 -360 Cash from Financing Activity -545 2,307 -303 453 -147 -291 34 25 29 790 Closing Cash & Equivalent 2,919 3,610 3,601 3,274 3,045 2,614 2,337 1,954 1,866 1,986 Net Cash Inflow / Outflow -690 9 327 229 431 277 384 88 -120 181 Opening Cash & Equivalents 3,610 3,601 3,274 3,045 2,614 2,337 1,954 1,866 1,986 1,806

Financial Ratios

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 177 173 161 152 145 133 120 112 102 95 NIM 3 3 3 2 2 2 2 2 2 2 Yield on Advances 11 11 11 14 15 15 15 15 15 14 Yield on Investments 9 8 9 8 8 9 7 7 6 6 Cost of Liabilities 6 6 6 6 7 8 7 8 7 6 Interest Spread 6 5 6 8 8 7 7 7 8 7 ROCE 8% 10% 7% 10% 14% 14% 12% 15% 11% 10% Cost Income Ratio 52 50 48 57 54 54 56 51 53 61 Core Cost Income Ratio 58 53 51 65 56 58 60 53 55 64 Operating Costs to Assets 2 2 2 2 2 2 2 2 2 2 Loans/Deposits 0 0 0 0 0 0 0 0 0 0 Cash/Deposits 0 0 0 0 0 0 0 0 0 0 Investment/Deposits 0 0 0 0 0 0 0 0 0 0 Inc Loan/Deposits 6% 5% 1% 1% 2% 2% 5% 4% 4% 4% Credit Deposits 79% 80% 75% 65% 67% 69% 70% 70% 66% 63% Interest Expended / Interest earned 69% 68% 66% 71% 74% 75% 75% 76% 76% 74% Interest income / Total funds 8% 7% 8% 8% 9% 9% 9% 9% 9% 7% Interest Expended / Total funds 5% 5% 5% 6% 7% 7% 7% 7% 7% 6% CASA 29% 28% 28% 29% 26% 25% 25% 25% 25% 25%

The Karnataka Bank Ltd.

Bank - Private

BSE: 532652 | NSE: KTKBANK

Stock Summary

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

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