The Karnataka Bank Financials
NSE: KTKBANK | BSE: 532652
₹325.35
₹-7.20
(-2.17%)
As on 11-Sep-2026IST
Market cap
₹12,343 Cr
Revenue (TTM)
₹9,039 Cr
P/E Ratio
8.6
P/B Ratio
0.9
Div. Yield
1.5 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
9,039.20
|
8,917.83
|
9,013.60
|
8,298.51
|
7,220.23
|
6,221.66
|
|
|
|
|
|
|
Other Income
|
1,400.02
|
1,402.91
|
1,269.57
|
1,318.97
|
992.58
|
953.88
|
|
|
|
|
|
|
Total Income
|
10,439.22
|
10,320.74
|
10,283.18
|
9,617.48
|
8,212.81
|
7,175.54
|
|
|
|
|
|
|
Interest Expended
|
5,737.72
|
5,799.04
|
5,703.20
|
4,999.77
|
4,035.12
|
3,730.62
|
|
|
|
|
|
|
Operating Expenses
|
2,613.93
|
2,547.28
|
2,752.40
|
2,454.16
|
1,970.02
|
1,811.55
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
2,087.57
|
1,974.42
|
1,827.58
|
2,163.56
|
2,207.66
|
1,633.37
|
|
|
|
|
|
|
Provisions and Contingencies
|
233.97
|
316.07
|
186.50
|
600.49
|
767.18
|
939.44
|
|
|
|
|
|
|
Profit Before Tax
|
1,853.60
|
1,658.35
|
1,641.08
|
1,563.07
|
1,440.48
|
693.93
|
|
|
|
|
|
|
Taxes
|
416.23
|
347.60
|
368.23
|
256.45
|
260.80
|
185.94
|
|
|
|
|
|
|
Profit after Tax
|
1,437.37
|
1,310.75
|
1,272.85
|
1,306.62
|
1,179.68
|
507.99
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
1,437.37
|
1,310.75
|
1,272.85
|
1,306.62
|
1,179.68
|
507.99
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
13,224.22
|
13,224.22
|
12,084.84
|
10,847.53
|
8,212.06
|
7,093.99
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
1,08,777.07
|
1,08,777.07
|
1,04,806.20
|
97,987.58
|
87,367.91
|
80,386.74
|
|
|
|
|
|
|
Borrowings
|
5,329.00
|
5,329.00
|
1,940.55
|
4,399.53
|
1,562.72
|
2,313.84
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
2,024.91
|
2,024.92
|
2,128.27
|
2,848.62
|
1,914.43
|
1,788.77
|
|
|
|
|
|
|
Total Liabilities
|
1,29,355.20
|
1,29,355.20
|
1,20,959.86
|
1,16,083.26
|
99,057.12
|
91,583.34
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
7,063.49
|
7,063.49
|
7,525.13
|
7,716.61
|
5,204.23
|
3,957.22
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
672.14
|
672.14
|
458.58
|
336.67
|
955.23
|
479.54
|
|
|
|
|
|
|
Investments
|
26,737.05
|
26,737.05
|
24,534.76
|
24,300.30
|
23,324.87
|
22,040.00
|
|
|
|
|
|
|
Advances
|
81,809.63
|
81,809.63
|
76,541.48
|
71,508.64
|
59,951.62
|
56,783.14
|
|
|
|
|
|
|
Net Block
|
1,060.16
|
1,051.54
|
976.31
|
914.79
|
846.22
|
805.06
|
|
|
|
|
|
|
Other Assets
|
12,012.73
|
12,012.73
|
10,909.22
|
11,292.97
|
8,745.80
|
7,505.22
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
1,29,355.20
|
1,29,355.20
|
1,20,959.86
|
1,16,083.26
|
99,057.12
|
91,583.34
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
1,100.10
|
-320.59
|
680.84
|
1,829.69
|
-467.46
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-87.82
|
-161.04
|
-369.30
|
-87.53
|
-56.43
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-1,260.36
|
412.06
|
1,582.27
|
-19.45
|
-354.92
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-248.08
|
-69.57
|
1,893.82
|
1,722.71
|
-878.81
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
38.00
|
34.66
|
33.68
|
34.64
|
37.77
|
16.33
|
|
|
|
|
|
|
Cash EPS (₹)
|
38.00
|
37.48
|
35.93
|
36.54
|
40.54
|
18.69
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
345.31
|
334.30
|
306.51
|
274.13
|
246.57
|
213.23
|
|
|
|
|
|
|
Dividend per Share (₹)
|
1.53
|
5.00
|
5.00
|
5.50
|
5.00
|
4.00
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
29.09
|
-8.48
|
18.05
|
58.58
|
-15.02
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
18.39
|
-20.17
|
3.34
|
23.51
|
-49.19
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.90
|
11.78
|
11.60
|
12.04
|
10.96
|
|
|
|
|
|
|
Yield on Investments
|
--
|
6.67
|
6.31
|
6.21
|
6.18
|
6.17
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.82
|
6.43
|
6.72
|
7.51
|
6.45
|
|
|
|
|
|
|
NIM (%)
|
--
|
2.68
|
3.04
|
3.18
|
3.56
|
2.99
|
|
|
|
|
|
|
ROE (%)
|
11.14
|
10.82
|
11.61
|
14.48
|
16.46
|
7.93
|
|
|
|
|
|
|
ROA (%)
|
1.15
|
1.05
|
1.07
|
1.21
|
1.24
|
0.57
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
56.33
|
60.10
|
53.15
|
47.16
|
52.59
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
0.47
|
-1.06
|
8.62
|
14.93
|
16.05
|
-0.17
|
|
|
|
|
|
|
EBIT Growth (%)
|
77.50
|
8.03
|
-15.53
|
-2.00
|
35.16
|
-14.40
|
|
|
|
|
|
|
Net Profit Growth (%)
|
4.39
|
2.98
|
-2.58
|
10.76
|
132.22
|
5.29
|
|
|
|
|
|
|
EPS Growth (%)
|
23.29
|
2.91
|
-2.76
|
-8.30
|
131.35
|
5.19
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
9.14
|
12.01
|
34.28
|
16.08
|
7.42
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
8.59
|
6.44
|
5.21
|
6.50
|
3.60
|
3.39
|
|
|
|
|
|
|
Price / Book Value
|
0.94
|
0.67
|
0.57
|
0.82
|
0.55
|
0.26
|
|
|
|
|
|
|
Dividend Yield (%)
|
1.53
|
2.24
|
2.85
|
2.44
|
3.68
|
7.22
|
|
|
|
|
|
|
EV/EBITDA
|
5.08
|
6.97
|
4.69
|
5.96
|
2.63
|
2.47
|
|
|
|
|
|
|
Close Price (₹)
|
273.40
|
222.96
|
175.85
|
225.10
|
135.70
|
55.45
|
|
|
|
|
|
|
High Price (₹)
|
282.95
|
239.00
|
245.00
|
286.55
|
168.50
|
81.85
|
|
|
|
|
|
|
Low Price (₹)
|
169.05
|
163.10
|
162.20
|
124.10
|
55.65
|
51.55
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
12,342.59
|
8,435.37
|
6,636.72
|
8,491.86
|
4,249.11
|
1,724.02
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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