The Karnataka Bank Ltd.
Snapshot View

60.50 -1.95 ▼-3.1%

30 July 2021, 04:00:00 P.M.
Volume: 129,189

Overview View Details

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.karnatakabank.com
Financial Indicators
Market Cap 1,880.76 Cr.
Earnings per share (EPS) 12.62 Trailing Twelve Months Ending 2021-06
Price-Earning Ratio (PE) 4.79 Trailing Twelve Months Ending 2021-06
Industry PE 26.24 Trailing Twelve Months Ending 2021-06
Book Value / Share 202.11 Trailing Twelve Months Ending 2021-06
Price to Book Value 0.30 Calculated using Price: 60.50
Dividend Yield 2.98 Period Ending 2020-03
No. of Shares Subscribed 31.09 Cr. 310,869,689 Shares
FaceValue 10
Company Profile

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

  • Karnataka Bank Bags MSME Banking Excellence Awards 2015'. -'Karnataka Bank Bags Four Assocham Social Banking Excellence Awards'. -'Karnataka Bank introduced one more new technology based facility 'Online Account Opening'. -Karnataka Bank bags IBA Banking Technology Award. -'Karnataka Bank Launches 'Cash Back Campaign' on VISA Debit Cards'. -Karnataka Bank launches anti-tobacco campaign as part of CSR. - 'Karnataka Bank bags CFBP Jamnalal Bajaj Awards 2015'. -'Karnataka Bank bags IDRBT Banking Technology Award'. -'Karnataka Bank launches 'KBL POS MANAGER' Android Mobile App for its POS (EDC) Merchants'.

2017-18

  • ASSOCHAM Social Banking Excellence Award 2017 under the category “Overall Best Social Bank for Small Bank Class”, received on 17-02-2018.
  • ET NOW BFSI (Banking Financial Services & Insurance) Awards, 2018 under the categories ‘Bank with more Rural Branch expansion’ and ‘Bank with leading Financial Inclusion initiatives’, received on 14-02-2018.
  • Award for achieving 100% Branch activation of the social security scheme Atal Pension Yojana, in the ‘Atal Pension Yojana, People First Campaign - Uttar Pradesh’, organized by PFRDA, received on 06-02-2018.
  • 'Best Financial Services & Foreign Exchange Earner in Southern Region’ award for the year 2016-17 under GOLD Category, instituted by FIEO, received on 18-01-2018.
  • ASSOCHAM India - SMEs Excellence Award 2017, for rendering Excellent Service in SME Sector under Private Sector category, instituted by ASSOCHAM, India, received on 14-12-2017.
  • Appreciation certificate “Impactful Financial Inclusion through Innovations & Process” for the bank’s contribution in the Financial Inclusion space, instituted jointly by Union Bank of India and CNBC TV18, received on 05-12-2017.

2018-19

  • ‘Bank with Best Technology Orientation” and “Best Corporate Social Responsibility Practices” awards instituted by ET NOW – World BFSI Congress, received on 14-02-2019.
  • Award in Atal Pension Yojana “Perform for Pride” Campaign under Branch Category, conducted by PFRDA, received on 11-02-2019.
  • Award in Atal Pension Yojana “Lead to Leap Award” Campaign, conducted by PFRDA, received on 16-11-2018.
  • ASSOCHAM SMEs Excellence Award – 2018, under “Excellent Service (Private Sector)” category, instituted by ASSOCHAM, received on 24-10-2018.
  • Award in Atal Pension Yojana “Winners Arts of Possible” Campaign 2018-19, conducted by PFRDA, received on 05-10-2018.
  • Award in Atal Pension Yojana “Winners of Winning Wednesday” Campaign under Branch Category, conducted by PFRDA, received on 05-10-2018.
  • Award in Atal Pension Yojana “Winners of Winning Wednesday” Campaign under RO Category, conducted by PFRDA, received on 05-10-2018.
  • Best Performing Bank award in the Atal Pension Yojana ‘People First’ campaign at Tamilnadu for 100% Branch Activation of APY scheme, conducted by PFRDA, received on 06-08-2018.
  • Best Performing Bank award in the Atal Pension Yojana ‘Icons of Inspiration’ Campaign held from 14-03-2018 to 31-03-2018, conducted by PFRDA, received on 06-08-2018.
  • ‘Best MSME Bank Award - Runner Up’ instituted by Chamber of Indian Micro Small & Medium Enterprises [CIMSME], received on 20-07-2018.

2019-20

  • Best MSME offering under Private Sector category in ASSOCHAM 7th National MSMEs Excellence Awards, instituted by ASSOCHAM, received on 30-01-2020.
  • Third Best Performed Bank award at National Level under Old Private Sector Bank Category for the year 2018-2019, instituted by State Forum of Bankers’ Clubs, Kerala, received on 15-12-2019.
  • ET Business Excellence Award 2019, in the category “Excellence in Banking Service” received on 19-09-2019.
  • STP Award 2018: In recognition of Bank’s outstanding payment formatting and straight-through rate, instituted by Bank of New York, Mellon.
  • Bank’s in-house magazine ‘ABHYUDAYA ‘- awarded as the Best In House Magazine in the National Awards for Marketing Excellence presented by Business Television India (BTVI).
  • Bank bags Atal Pension Yojana “Game Changers” award instituted by PFRDA on 01-07-2019, for achieving 100% of AAPB target for the FY 2018-19.

2020-21

  • Karnataka Best Employer Brand Awards 2020.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-3.12%
1 Week
1 Month
-2.50%
3 Month
-1.31%
6 Month
+1.17%
1 Year
+43.53%
2 Year
-21.15%
5 Year
-44.10%
9 years 2012-03 2013-03 2014-03 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03
Return on Equity (%) 9.81 12.78 10.54 14.03 11.74 10.76 6.70 9.21 7.94
Return on Assets (%) 0.72 0.89 0.70 0.91 0.77 0.75 0.48 0.64 0.53
Net Interest Margin 2.07 2.23 2.30 2.42 2.45 2.47 2.80 2.55 2.62
Yield on Advances (%) 14.97 14.93 14.78 14.83 14.73 14.05 11.48 10.77 11.37

Balance Sheet View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Shh. Funds 2,598 2,857 3,052 3,389 3,691 5,143 5,410 5,785 5,970
Minority Int.
Deposits 31,608 36,056 40,583 46,009 50,488 56,733 62,871 68,452 71,785
Borrowings 1,147 1,580 1,915 1,038 1,051 833 816 3,326 4,065
Other Liab. 968 1,033 1,479 1,401 1,270 1,330 1,276 1,483 1,493
Total Liab. 36,322 41,526 47,029 51,837 56,500 64,039 70,374 79,046 83,313
Fixed Assets 152 167 197 292 307 721 762 775 826
Investments 12,841 13,432 15,227 14,032 16,257 20,220 15,444 16,185 17,545
Advances 20,721 25,208 28,345 31,680 33,902 36,916 47,252 54,828 56,964
Cash & Bank 1,866 1,954 2,337 2,614 3,045 3,274 3,601 3,610 2,919
Other Assets 742 765 922 3,219 2,990 2,909 3,315 3,648 5,058
Total Assets 36,322 41,526 47,029 51,837 56,500 64,039 70,374 79,046 83,313

Profit Loss View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Interest Earned 3,101 3,764 4,189 4,698 4,992 5,185 5,424 5,906 6,475
Other Income 346 398 506 507 543 809 954 1,002 1,396
Total Income 3,447 4,162 4,694 5,205 5,535 5,995 6,378 6,908 7,871
Operating Exp. -568 -666 -875 -902 -991 -1,304 -1,339 -1,457 -1,770
Provisions -222 -171 -278 -214 -327 -528 -1,163 -842 -1,135
PBIT 2,657 3,325 3,541 4,089 4,217 4,163 3,876 4,609 4,966
Interest -2,369 -2,861 -3,133 -3,530 -3,689 -3,695 -3,566 -4,001 -4,444
Tax -43 -116 -98 -108 -113 -16 15 -131 -90
PAT 246 348 311 451 415 452 326 477 432

Cash Flow View Details

Particulars 9 years 2012-03 Rs. Cr. 2013-03 Rs. Cr. 2014-03 Rs. Cr. 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Cash Fr. Operatn. -122 103 404 648 636 -184 721 -2,231 -90
Cash Fr. Inv. -28 -40 -54 -81 -58 -40 -91 -68 -56
Cash Fr. Finan. 29 25 34 -291 -147 453 -303 2,307 -545
Net Change -120 88 384 277 431 229 327 9 -690
Cash & Cash Eqvt 1,866 1,954 2,337 2,614 3,045 3,274 3,601 3,610 2,919

Shareholding Pattern View Details

9 Qtrs 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%)
Promoter 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Public 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Thu, 29 Jul 2021
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Q1FY22 Earnings Conference Call - Outcome - Audio recording.
Tue, 27 Jul 2021
Board Meeting Outcome for Outcome Of The Board Meeting
Enabling resolution for raising capital through QIP and borrowing powers at the ensuing Annual General Meeting of the Bank. Details provided in the enclosed document.
Tue, 27 Jul 2021
Standalone And Consolidated Unaudited Financial Results For The Quarter Ended June 30 2021 And Press Release Thereon.
Standalone and consolidated unaudited financial results for the quarter ended June 30 2021 and press release thereon.

Technical Scans View Details

Fri, 30 Jul 2021
Strongly Underperforming Benchmark index Strongly Underperforming Benchmark index
Strongly Underperforming Sectoral index Strongly Underperforming Sectoral index
Closing Near 200 EMA Closing Near 200 EMA
Close Crossing 50 EMA From Above Close Crossing 50 EMA From Above
Close Crossing 100 EMA From Above Close Crossing 100 EMA From Above

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