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BSE: 532652 | NSE: KTKBANK | Bank - Private | Small Cap
1. Is The Karnataka Bank Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that The Karnataka Bank Ltd is a below average quality company.
2. Is The Karnataka Bank Ltd undervalued or overvalued?
The key valuation ratios of The Karnataka Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
3. Is The Karnataka Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of The Karnataka Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 1,056 | 1,169 | 1,303 | 1,491 | 1,858 | 1,905 | 2,030 | 2,183 | 2,491 | 3,185 | 3,312 | |
| YoY Gr. Rt. % | - | 10.7% | 11.5% | 14.4% | 24.6% | 2.6% | 6.6% | 7.5% | 14.1% | 27.9% | - | |
| Total Income | 4,694 | 5,205 | 5,535 | 5,995 | 6,378 | 6,908 | 7,736 | 7,637 | 7,176 | 8,213 | 8,734 | |
| YoY Gr. Rt. % | - | 10.9% | 6.3% | 8.3% | 6.4% | 8.3% | 12% | -1.3% | -6% | 14.5% | - | |
| Adj EPS (₹ ) | 12.2 | 17.7 | 16.3 | 14.6 | 10.5 | 15.4 | 13.9 | 15.5 | 16.4 | 37.8 | 46 | |
| YoY Gr. Rt. % | - | 45.2% | -8% | -10.9% | -28% | 46.6% | -9.5% | 11.7% | 5.4% | 131.1% | - | |
| BVPS (₹ ) | 119.8 | 133.1 | 144.9 | 151.8 | 160.6 | 172.8 | 176.9 | 198.7 | 213.3 | 246.6 | 258.2 | |
| YoY Gr. Rt. % | - | 11% | 8.9% | 4.8% | 5.8% | 7.6% | 2.4% | 12.3% | 7.3% | 15.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.7 | 0.9 | 0.8 | 0.8 | 0.5 | 0.6 | 0.5 | 0.6 | 0.6 | 1.2 | 0 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 1.9 | 2 | 2.4 | 2.6 | 3 | 3 | 3.1 | 3.2 | 2.4 | 1.7 | 1.4 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 13.1% | 11.4% | 16.2% | 27.9% | ||||||||
| Total Income | 6.4% | 5.2% | 2% | 14.5% | ||||||||
| Adj EPS | 13.4% | 29.3% | 39.6% | 131.1% | ||||||||
| BVPS | 8.4% | 9% | 11.7% | 15.7% | ||||||||
| Share Price | 14.5% | 23% | 82.4% | 220.8% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
| Interest Earned / Total Income | 89.23 | 90.26 | 90.19 | 86.5 | 85.04 | 85.5 | 83.69 | 81.61 | 86.71 | 87.91 | 86.4 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.3 | 2.4 | 2.5 | 2.5 | 2.8 | 2.6 | 2.6 | 2.8 | 3 | 3.6 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 10.5 | 14 | 11.7 | 10.8 | 6.7 | 9.2 | 7.9 | 8.3 | 7.9 | 16.5 | 17.8 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 25.4 | 24.9 | 26.3 | 29 | 28 | 28.1 | 28.9 | 31.5 | 33 | 33 | - | |
Return on Equity has increased versus last 3 years average to 18.20%
Total Income has increased 2.01 CAGR in last 3 years
Net Profit has increased 39.60 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 46 | 45.9 |
| TTM Sales (₹ Cr.) | 7,550 | 7,550 |
| BVPS (₹.) ⓘ | 258.2 | 258.2 |
| Reserves (₹ Cr.) ⓘ | 7,761 | 7,760 |
| P/BV ⓘ | 0.96 | 0.96 |
| PE ⓘ | 5.42 | 5.42 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 76.55 / 257.80 |
| All Time Low / High (₹) | 11.17 / 257.80 |
| Market Cap (₹ Cr.) | 7,789 |
| Equity (₹ Cr.) | 312.7 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 21.6 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Karnataka Bank Ltd., a leading 'A' Class Scheduled Commercial Bank in India, was incorporated on February 18th, 1924 at Mangaluru, a coastal town of Dakshina Kannada district in Karnataka State. The bank took shape in the aftermath of patriotic zeal that engulfed the nation during the freedom movement of 20th Century India. Over the years the Bank grew with the merger of Sringeri Sharada Bank Ltd., Chitradurga Bank Ltd. and Bank of Karnataka. Presently, it has emerged as a leading financial service institution in India.
Business area of the bank
Personal Banking- Under this Karnataka Bank offers wide range of products and services such as saving accounts, deposit scheme, home loans, education loans, debit card, mobile banking, internet banking and many more. Corporate Banking- It offers spectrum of services to its corporates client such as working capital finance, term loans, Infrastructure finance and other services. For its insurance services it has a tie up with Metlife India Insurance Company and Bajaj Allianz General Insurance Company. It also provides RTGS and Money Transfer Facility to its NRI clients through Western Union Money Transfer.
Awards
2015-16
2017-18
2018-19
2019-20
2020-21
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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