Nifty

10829.35

Sensex

36701.16

88.00(0.82%)
228.23(0.63%)

Nifty
Sensex

:
:

10829.35
36701.16

88.00(0.82%)
228.23(0.63%)

The Karnataka Bank Ltd.

Bank - Private

Rating :

61/99 (View)

BSE: 532652 | NSE: KTKBANK

Watchlist

NSE BSE

75.30

1.80 (2.45%)

23-Aug-2019 | 3:57PM

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

73.00
75.50
71.65
73.50

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

771408
580.87
141.25
71.65

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,079.99
4.25
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,993.84
4.76%
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

7.05
7.07
8.41

P:BV (Average)

8 Years
5 Years
3 Years

0.72
0.72
0.75

EV:EBITDA (Average)

8 Years
5 Years
3 Years

4.04
2.93
1.44

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 1,584.37 1,407.64 12.56% 1,531.29 1,443.04 6.12% 1,514.42 1,332.24 13.67% 1,452.61 1,317.93 10.22%
Interest Exp. 1,089.78 939.06 16.05% 1,050.41 901.53 16.51% 1,026.47 880.76 16.54% 984.90 877.69 12.22%
Net Interest Income 494.59 468.58 5.55% 480.88 541.51 -11.20% 487.95 451.48 8.08% 467.71 440.24 6.24%
NIM 2.81 3.00 -6.33% 2.87 3.18 -9.75% 2.95 3.07 -3.91% 2.95 3.03 -2.64%
Other Income 244.79 208.80 17.24% 290.59 294.51 -1.33% 301.37 194.62 54.85% 201.20 247.82 -18.81%
Total Income 1,829.16 1,616.44 13.16% 1,821.88 1,737.55 4.85% 1,815.79 1,526.86 18.92% 1,653.81 1,565.75 5.62%
Operating Exp. 389.37 308.50 26.21% 447.24 360.69 24.00% 388.95 324.20 19.97% 312.58 321.82 -2.87%
Operating Profit 350.01 368.88 -5.12% 324.23 475.33 -31.79% 400.37 321.90 24.38% 356.33 366.24 -2.71%
Provision 201.14 222.06 -9.42% 217.73 541.75 -59.81% 208.99 196.40 6.41% 193.22 225.98 -14.50%
PBT 148.87 146.82 1.40% 106.50 -66.42 - 191.38 125.50 52.49% 163.11 140.26 16.29%
PBTM 9.40 10.43 -9.88% 6.95 -4.60 - 12.64 9.42 34.18% 11.23 10.64 5.55%
TAX -26.55 -16.42 - 44.77 -77.42 - 50.97 38.12 33.71% 51.25 46.88 9.32%
PAT 175.42 163.24 7.46% 61.73 11.00 461.18% 140.41 87.38 60.69% 111.86 93.38 19.79%
PATM 11.07% 11.60% 4.03% 0.76% 9.27% 6.56% 7.70% 7.09%
EPS 6.21 5.78 7.44% 2.18 0.39 458.97% 4.97 3.09 60.84% 3.96 3.30 20.00%
Gross NPA 2,437.53 2,296.53 6.14% 2,456.38 2,376.07 3.38% 2,345.93 1,784.31 31.48% 2,371.62 1,715.70 38.23%
Gross NPA% 4.55 4.72 -3.60% 4.41 4.92 -10.37% 4.45 3.97 12.09% 4.66 4.13 12.83%
Net NPA 1,759.77 1,395.97 26.06% 1,616.71 1,400.51 15.44% 1,560.94 1,262.96 23.59% 1,497.68 1,246.81 20.12%
Net NPA% 3.33 2.92 14.04% 2.95 2.96 -0.34% 3.00 2.85 5.26% 3.00 3.04 -1.32%
CASA 27.40 27.35 0.18% 28.07 27.99 0.29% 26.65 28.23 -5.60% 27.08 28.58 -5.25%

Description Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 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 1,931.13 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 6,082.69 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 4,151.56 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 1.54% 2.56% 24.62% 14.41% 11.47% 10.68% 16.86% 23.44% 19.53% 128.39% Other Income 1,037.95 1,001.96 954.34 809.34 542.86 507.00 505.58 397.64 346.27 291.76 378.71 Total Income 7,120.64 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 1,538.14 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 1,430.94 661.94 360.21 517.70 570.23 545.24 434.18 488.21 310.50 257.94 211.99 EBITDA Margin 74.71% 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 609.86 607.80 310.16 467.95 528.00 559.40 408.65 464.18 288.59 234.94 189.76 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 120.44 130.56 -15.45 15.69 112.71 107.95 97.62 116.10 42.52 30.33 22.64 Tax Rate 19.75% 21.48% -4.98% 3.35% 21.35% 19.30% 23.89% 25.01% 14.73% 12.91% 11.93% PAT 489.42 477.24 325.61 452.26 415.29 451.45 311.03 348.08 246.07 204.61 167.12 PAT before Minority Interest 489.42 477.24 325.61 452.26 415.29 451.45 311.03 348.08 246.07 204.61 167.12 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 16.48% 16.42% 11.58% 19.66% 22.50% 26.94% 19.92% 26.75% 22.82% 22.63% 25.83% PAT Growth 37.86% 46.57% -28.00% 8.90% -8.01% 45.15% -10.64% 41.46% 20.26% 22.43% Unadjusted EPS 17.32 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 ties up with Finwizard Technology
3rd Aug 2019, 09:07 AM

The tie-up allows the bank customers to now invest in any mutual fund from the universe of Indian mutual funds
Read More
Karnataka Bank shifts Bhubaneswar Branch to new premises
29th Jul 2019, 10:29 AM

The new premises was inaugurated by the bank on the same day
Read More
Karnataka Bank opens 843rd branch in Telangana
26th Jul 2019, 09:03 AM

The bank has opened its 843rd branch on July 25, 2019
Read More
Karnataka Bank forms credit marketing team to encash forex business opportunities
23rd Jul 2019, 14:26 PM

The team will reach out to more and more exporters and importers to cater to the financial needs of Large, Mid, Retail borrowers including MSMEs
Read More
Karnataka Bank reports 7% rise in Q1 net profit
15th Jul 2019, 12:37 PM

Total income of the Bank increased by 13.16% at Rs 1,829.16 crore for Q1FY20
Read More
Karnataka Bank - Quarterly Results
12th Jul 2019, 17:15 PM

Read More
Karnataka Bank launches Digital Recovery Tool
2nd Jul 2019, 08:58 AM

The tool will enable easy and faster processing, real time information and immediate decision making in the recovery area
Read More
Karnataka Bank opens 842nd Branch at Nandalike
31st May 2019, 11:15 AM

The Bank had opened 841st Branch at Senapur on May 30, 2019
Read More
Karnataka Bank opens 841st Branch at Senapur
31st May 2019, 10:19 AM

The Bank had opened 840th Branch at Nidadavolu, in state of Andhra Pradesh on May 29, 2019
Read More
Karnataka Bank opens 840th branch in Andhra Pradesh
30th May 2019, 11:08 AM

The bank had opened 839th at Nadugodu - Kateel in Karnataka
Read More
Karnataka Bank opens 14th regional office at Kalaburgi
23rd May 2019, 10:17 AM

The Bank had opened its 13th Regional office at Ahmedabad on May 21, 2019
Read More
Karnataka Bank opens 13th regional office at Ahmedabad
22nd May 2019, 09:52 AM

The bank has opened regional office on May 21, 2019
Read More
Karnataka Bank launches KBL SB Salary scheme in 3 Variants
20th May 2019, 16:38 PM

All these 3 variants of KBL SB Salary Scheme are available for the salaried People with a host of Digitally Powered features and without any Minimum Balance Criteria
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