Half Yearly Results Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
4,512.12
3,985.33
3,400.13
3,077.78
3,219.42
3,214.01
3,045.71
Income On Investments
739.03
733.20
693.10
650.83
551.15
575.71
555.83
Interest On Balances With Rbi Other Inter Bank Funds
18.11
12.97
1.19
19.52
15.34
29.85
9.34
Interest / Discount On Advances / Bills
3,485.09
3,135.26
2,630.53
2,331.06
2,592.66
2,568.00
2,439.88
Others
269.89
103.90
75.31
76.37
60.27
40.45
40.66
Other Income
548.93
573.43
392.83
500.53
774.15
482.73
591.96
Total Income
5,061.05
4,558.76
3,792.96
3,578.31
3,993.57
3,696.74
3,637.67
Interest Expended
2,775.20
2,348.24
1,909.84
1,865.89
2,109.43
2,220.70
2,076.88
Net Interest Income
1,736.92
1,637.09
1,490.29
1,211.89
1,109.99
993.31
968.83
Total Expenditure (Excl Depreciation)
1,266.90
1,087.20
892.52
814.86
781.25
712.60
836.19
Employee Cost
669.77
599.73
440.85
444.49
406.27
340.10
384.21
Other Operating Expenses
597.13
487.47
451.67
370.37
374.98
372.50
451.98
Operating Profit Before Provisions and Contingencies
1,018.95
1,123.32
990.60
897.56
1,102.89
763.44
724.60
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
71.59
271.44
349.06
705.03
756.62
463.54
426.72
Profit Before Tax
947.36
851.88
641.54
192.53
346.27
299.90
297.88
Tax
210.96
150.92
115.73
-39.16
30.45
18.57
95.74
Profit After Tax
736.40
700.96
525.81
231.69
315.82
281.33
202.14
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
736.40
700.96
525.81
231.69
315.82
281.33
202.14
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
5,090.45
Earnings per share (EPS)
19.5
22.4
16.89
7.45
10.16
9.05
7.15
Diluted Earnings per share
19.45
22.29
16.83
7.42
10.16
8.23
0.0
Operating Profit Margin (Excl OI)
70.34%
65.91%
63.48%
50.62%
52.23%
63.41%
58.53%
Gross Profit Margin
21.0%
21.38%
18.87%
6.26%
10.76%
9.33%
77.97%
PAT Margin
16.32%
17.59%
15.46%
7.53%
9.81%
8.75%
6.64%
Net Interest Margin
3.38%
3.63%
3.56%
3.15%
2.99%
2.8%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
30.82%
31.91%
32.82%
30.88%
29.17%
27.41%
0.0%
CASA Amount
30,812.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
17.58%
16.2%
15.28%
14.48%
13.08%
12.64%
0.0%
Capital Adequacy Ratio (Tier 1)
15.93%
13.11%
12.34%
11.98%
11.08%
10.64%
0.0%
Provision Coverage Ratio (%)
80.14%
83.22%
79.97%
71.75%
75.44%
59.19%
0.0%
Amount of Gross NPAs
2,414.92
2,324.19
2,051.70
2,501.12
2,188.80
2,594.27
2,456.38
Amount of Net NPAs
1,083.08
888.94
1,028.47
1,546.26
1,194.60
1,863.11
1,616.71
% of Net NPAs
1.46%
1.36%
1.72%
2.84%
2.21%
3.48%
2.95%
% of Gross NPAs
3.21%
3.47%
3.36%
4.5%
3.97%
4.78%
4.41%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1505.0
1480.0
1456.0
952.0
1016.0
1084.0
0.0
Number of Branches
931.0
903.0
880.0
857.0
859.0
840.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 13.22% vs 17.21% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 5.06% vs 33.31% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is -9.29% vs 13.40% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is 0.10% vs -0.36% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is -0.26% vs 0.11% in Sep 2023
Compare Half Yearly Results Of Karnataka Bank With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
4,512.12
15,449.64
-10,937.52
-70.79%
Income On Investments
739.03
2,938.08
-2,199.05
-74.85%
Interest On Balances With Rbi Other Inter Bank Funds
18.11
170.92
-152.81
-89.4%
Interest / Discount On Advances / Bills
3,485.09
11,559.18
-8,074.09
-69.85%
Others
269.89
781.46
-511.57
-65.46%
Other Income
548.93
2,605.59
-2,056.66
-78.93%
Total Income
5,061.05
18,055.23
-12,994.18
-71.97%
Interest Expended
2,775.20
11,005.16
-8,229.96
-74.78%
Net Interest Income
1,736.92
4,444.48
-2,707.56
-60.92%
Total Expenditure (Excl Depreciation)
1,266.90
5,189.51
-3,922.61
-75.59%
Employee Cost
669.77
1,987.72
-1,317.95
-66.3%
Other Operating Expenses
597.13
3,201.79
-2,604.66
-81.35%
Operating Profit Before Provisions and Contingencies
1,018.95
1,860.56
-841.61
-45.23%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
71.59
508.87
-437.28
-85.93%
Profit Before Tax
947.36
1,351.69
-404.33
-29.91%
Tax
210.96
296.22
-85.26
-28.78%
Profit After Tax
736.40
1,055.47
-319.07
-30.23%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
736.40
1,055.47
-319.07
-30.23%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
19.50
0.34
19.16
5635.29%
Diluted Earnings per share
19.45
0.34
19.11
5620.59%
Operating Profit Margin (Excl OI)
70.34%
63.12%
0.00
7.22%
Gross Profit Margin
21.00%
8.75%
0.00
12.25%
PAT Margin
16.32%
6.83%
0.00
9.49%
Net Interest Margin
3.38%
0.00%
3.38
3.38%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
30.82%
32.00%
-1.18
-1.18%
CASA Amount
30,812.00
88,601.00
-57,789.00
-65.22%
Capital Adequacy Ratio (Total)
17.58%
15.60%
1.98
1.98%
Capital Adequacy Ratio (Tier 1)
15.93%
13.20%
2.73
2.73%
Provision Coverage Ratio (%)
80.14%
70.00%
10.14
10.14%
Amount of Gross NPAs
2,414.92
3,889.43
-1,474.51
-37.91%
Amount of Net NPAs
1,083.08
1,168.02
-84.94
-7.27%
% of Net NPAs
1.46%
1.60%
-0.14
-0.14%
% of Gross NPAs
3.21%
1.60%
1.61
1.61%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,505.00
1,325.00
180.00
13.58%
Number of Branches
931.00
1,237.00
-306.00
-24.74%
Half Yearly - Interest Earned
Interest Earned 4512.12 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 13.22% vs 17.21% in Sep 2023
Half Yearly - Net Profit
Net Profit 736.40 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 5.06% vs 33.31% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,018.95 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is -9.29% vs 13.40% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 1.46%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is 0.10% vs -0.36% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 3.21%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.26% vs 0.11% in Sep 2023
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