Karnataka Bank

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE614B01018
NSEID: KTKBANK
BSEID: 532652

INR

182.75

1.9 (1.05%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 4.95 lacs

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Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

6,755.14

6,097.94

5,250.93

4,642.88

4,814.92

4,835.56

4,374.67

Income On Investments

1,086.01

1,116.69

1,050.62

980.06

839.49

869.31

826.05

Interest On Balances With Rbi Other Inter Bank Funds

36.73

17.40

1.38

28.33

21.97

41.59

13.02

Interest / Discount On Advances / Bills

5,244.42

4,792.11

4,077.66

3,526.38

3,864.16

3,839.28

3,473.12

Others

387.98

171.74

121.27

108.11

89.30

85.38

62.48

Other Income

841.29

899.51

597.34

696.98

1,057.39

854.86

711.37

Total Income

7,596.43

6,997.45

5,848.27

5,339.86

5,872.31

5,690.42

5,086.04

Interest Expended

4,225.44

3,633.25

2,925.88

2,808.34

3,090.88

3,334.50

2,950.43

Net Interest Income

2,529.70

2,464.69

2,325.05

1,834.54

1,724.04

1,501.06

1,424.24

Total Expenditure (Excl Depreciation)

1,918.97

1,700.68

1,399.92

1,277.64

1,230.45

1,090.69

1,010.03

Employee Cost

1,012.49

936.04

725.41

701.39

673.52

526.56

402.11

Other Operating Expenses

906.48

764.64

674.51

576.25

556.93

564.13

607.92

Operating Profit Before Provisions and Contingencies

1,452.02

1,663.52

1,522.47

1,253.88

1,550.98

1,265.23

1,125.58

Exceptional Items

0.00

Provisions and contingencies

155.36

415.85

513.93

843.53

980.92

778.24

624.27

Profit Before Tax

1,296.66

1,247.67

1,008.54

410.35

570.06

486.99

501.31

Tax

276.66

215.63

182.05

32.09

118.86

82.52

85.80

Profit After Tax

1,020.00

1,032.04

826.49

378.26

451.20

404.47

415.51

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,020.00

1,032.04

826.49

378.26

451.20

404.47

415.51

Face Value

10.0

Reserves

0.00

Operating Profit Margin (Excl OI)

71.59%

72.11%

73.34%

72.48%

74.45%

77.44%

76.91%

Gross Profit Margin

0.0%

PAT Margin

15.1%

16.92%

15.74%

8.15%

9.37%

8.36%

9.5%

Net Interest Margin

3.02%

3.48%

3.81%

3.16%

3.26%

2.83%

2.94%

Return on Assets

0.0%

CASA (%)

30.32%

31.45%

31.91%

31.3%

30.07%

27.39%

26.65%

CASA Amount

30,352.00

28,994.00

0.00

Capital Adequacy Ratio (Total)

17.64%

15.88%

15.13%

14.15%

13.83%

12.59%

11.97%

Capital Adequacy Ratio (Tier 1)

16.01%

13.66%

12.2%

11.74%

11.35%

10.4%

10.41%

Provision Coverage Ratio (%)

80.64%

80.75%

80.21%

73.74%

80.51%

59.34%

57.2%

Amount of Gross NPAs

2,419.06

2,536.72

2,085.73

2,330.52

1,706.57

2,777.46

2,345.93

Amount of Net NPAs

1,063.57

1,060.06

1,040.88

1,359.89

923.98

2,058.04

1,560.94

% of Net NPAs

1.39%

1.55%

1.66%

2.45%

1.74%

3.75%

3.0%

% of Gross NPAs

3.11%

3.64%

3.28%

4.11%

3.16%

4.99%

4.45%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1506.0

1482.0

1463.0

915.0

1014.0

1043.0

1544.0

Number of Branches

937.0

904.0

885.0

859.0

857.0

845.0

829.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 10.78% vs 16.13% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is -1.17% vs 24.87% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is -12.71% vs 9.26% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.16% vs -0.11% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -0.53% vs 0.36% in Dec 2023

Compare Nine Monthly Results Of Karnataka Bank With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

6,755.14

23,278.78

-16,523.64

-70.98%

Income On Investments

1,086.01

4,354.90

-3,268.89

-75.06%

Interest On Balances With Rbi Other Inter Bank Funds

36.73

291.40

-254.67

-87.4%

Interest / Discount On Advances / Bills

5,244.42

17,464.10

-12,219.68

-69.97%

Others

387.98

1,168.38

-780.40

-66.79%

Other Income

841.29

4,117.60

-3,276.31

-79.57%

Total Income

7,596.43

27,396.38

-19,799.95

-72.27%

Interest Expended

4,225.44

16,610.78

-12,385.34

-74.56%

Net Interest Income

2,529.70

6,668.00

-4,138.30

-62.06%

Total Expenditure (Excl Depreciation)

1,918.97

7,846.02

-5,927.05

-75.54%

Employee Cost

1,012.49

2,991.59

-1,979.10

-66.16%

Other Operating Expenses

906.48

4,854.43

-3,947.95

-81.33%

Operating Profit Before Provisions and Contingencies

1,452.02

2,939.58

-1,487.56

-50.6%

Exceptional Items

0.00

Provisions and contingencies

155.36

767.55

-612.19

-79.76%

Profit Before Tax

1,296.66

2,172.03

-875.37

-40.3%

Tax

276.66

504.29

-227.63

-45.14%

Profit After Tax

1,020.00

1,667.74

-647.74

-38.84%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,020.00

1,667.74

-647.74

-38.84%

Face Value

10.00

2.00

0.00

Reserves

0.00

PAT Margin

15.10%

7.16%

0.00

7.94%

Net Interest Margin

3.02%

2.40%

0.62

0.62%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

30.32%

33.10%

-2.78

-2.78%

CASA Amount

30,352.00

91,650.00

-61,298.00

-66.88%

Capital Adequacy Ratio (Total)

17.64%

15.20%

2.44

2.44%

Capital Adequacy Ratio (Tier 1)

16.01%

12.59%

3.42

3.42%

Provision Coverage Ratio (%)

80.64%

71.20%

9.44

9.44%

Amount of Gross NPAs

2,419.06

3,963.47

-1,544.41

-38.97%

Amount of Net NPAs

1,063.57

1,142.62

-79.05

-6.92%

% of Net NPAs

1.39%

0.50%

0.89

0.89%

% of Gross NPAs

3.11%

1.60%

1.51

1.51%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,506.00

1,326.00

180.00

13.57%

Number of Branches

937.00

1,247.00

-310.00

-24.86%

Nine Monthly - Interest Earned

Interest Earned 6755.14 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 10.78% vs 16.13% in Dec 2023

Nine Monthly - Net Profit

Net Profit 1,020.00 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is -1.17% vs 24.87% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,452.02 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is -12.71% vs 9.26% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 1.39%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.16% vs -0.11% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 3.11%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.53% vs 0.36% in Dec 2023