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 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 Undervalued zone.
3. Is The Karnataka Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of The Karnataka Bank Ltd is likely to Rise-somewhat 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'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 732 | 904 | 1,056 | 1,169 | 1,303 | 1,491 | 1,858 | 1,905 | 2,030 | 2,183 | 2,285 | |
| YoY Gr. Rt. % | - | 23.4% | 16.9% | 10.7% | 11.5% | 14.4% | 24.6% | 2.6% | 6.6% | 7.5% | - | |
| Total Income | 3,447 | 4,162 | 4,694 | 5,205 | 5,535 | 5,995 | 6,378 | 6,908 | 7,736 | 7,727 | 7,144 | |
| YoY Gr. Rt. % | - | 20.7% | 12.8% | 10.9% | 6.3% | 8.3% | 6.4% | 8.3% | 12% | -0.1% | - | |
| Adj EPS (₹ ) | 9.7 | 13.7 | 12.2 | 17.7 | 16.3 | 14.6 | 10.5 | 15.4 | 13.9 | 15.5 | 12.8 | |
| YoY Gr. Rt. % | - | 41.4% | -10.7% | 45.2% | -8% | -10.9% | -28% | 46.6% | -9.5% | 11.7% | - | |
| BVPS (₹ ) | 102 | 112.2 | 119.8 | 133.1 | 144.9 | 151.8 | 160.6 | 172.8 | 176.9 | 198.7 | 204.3 | |
| YoY Gr. Rt. % | - | 10% | 6.8% | 11% | 8.9% | 4.8% | 5.8% | 7.6% | 2.4% | 12.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.7 | 0.9 | 0.7 | 0.9 | 0.8 | 0.8 | 0.5 | 0.6 | 0.5 | 0.6 | 0.4 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 2.1 | 1.5 | 1.9 | 2 | 2.4 | 2.6 | 3 | 3 | 3.1 | 3.2 | 2.8 | |
| 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 | 12.9% | 10.9% | 5.5% | 7.5% | ||||||||
| Total Income | 9.4% | 6.9% | 6.6% | -0.1% | ||||||||
| Adj EPS | 5.4% | -1% | 14% | 11.7% | ||||||||
| BVPS | 7.7% | 6.5% | 7.3% | 12.3% | ||||||||
| Share Price | 0.4% | -9.1% | -14.9% | 9.7% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | TTM | |
| Interest Earned / Total Income | 89.96 | 90.45 | 89.23 | 90.26 | 90.19 | 86.5 | 85.04 | 85.5 | 83.69 | 80.65 | 85.3 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.1 | 2.2 | 2.3 | 2.4 | 2.5 | 2.5 | 2.8 | 2.6 | 2.6 | 2.8 | 2.6 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 9.8 | 12.8 | 10.5 | 14 | 11.7 | 10.8 | 6.7 | 9.2 | 7.9 | 8.3 | 6.3 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 24.6 | 24.9 | 25.4 | 24.9 | 26.3 | 29 | 28 | 28.1 | 28.9 | 31.5 | - | |
Total Income has increased 6.61 CAGR in last 3 years
Net Profit has increased 14.02 CAGR in last 3 years
Return on Equity has declined versus last 3 years average to 6.40%
Net NPA to Net Advances has increased in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 12.8 | 12.8 |
| TTM Sales (₹ Cr.) | 6,091 | 6,091 |
| BVPS (₹.) ⓘ | 204.3 | 204.3 |
| Reserves (₹ Cr.) ⓘ | 6,042 | 6,041 |
| P/BV ⓘ | 0.31 | 0.31 |
| PE ⓘ | 4.95 | 4.95 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 51.55 / 81.80 |
| All Time Low / High (₹) | 11.17 / 195.30 |
| Market Cap (₹ Cr.) | 1,970 |
| Equity (₹ Cr.) | 311 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 25.4 |
| 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
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