Karnataka Bank Balance Sheet Health
Financial Health criteria checks 4/6
Karnataka Bank has total assets of ₹1,161.1B and total equity of ₹115.4B. Total deposits are ₹999.7B, and total loans are ₹739.5B earning a Net Interest Margin of 3.5%. It has insufficient allowance for bad loans, which are currently at 3.3% of total loans. Cash and short-term investments are ₹78.4B.
Key information
10.1x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | ₹999.67b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.3% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹78.37b |
Recent financial health updates
No updates
Recent updates
Karnataka Bank (NSE:KTKBANK) Is Paying Out A Larger Dividend Than Last Year
Aug 21
Karnataka Bank (NSE:KTKBANK) Is Paying Out A Larger Dividend Than Last Year
Jul 27Do Karnataka Bank's (NSE:KTKBANK) Earnings Warrant Your Attention?
Oct 24Karnataka Bank (NSE:KTKBANK) Is Paying Out A Larger Dividend Than Last Year
Aug 09Here's Why We Think Karnataka Bank (NSE:KTKBANK) Might Deserve Your Attention Today
Mar 07Does Karnataka Bank (NSE:KTKBANK) Deserve A Spot On Your Watchlist?
Nov 03Karnataka Bank's (NSE:KTKBANK) Dividend Will Be Increased To ₹4.00
Aug 11Karnataka Bank's (NSE:KTKBANK) Upcoming Dividend Will Be Larger Than Last Year's
Jul 28We Think Shareholders Are Less Likely To Approve A Pay Rise For The Karnataka Bank Limited's (NSE:KTKBANK) CEO For Now
Aug 26Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: KTKBANK's Assets to Equity ratio (10.1x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if KTKBANK has a sufficient allowance for bad loans.
Low Risk Liabilities: 96% of KTKBANK's liabilities are made up of primarily low risk sources of funding.
Loan Level: KTKBANK has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: KTKBANK's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: KTKBANK has a high level of bad loans (3.3%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/08 18:52 |
| End of Day Share Price | 2025/01/08 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
The Karnataka Bank Limited is covered by 12 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Nitin Bhasin | Ambit Capital |
| Prabal Gandhi | Ambit Capital |
| Pankaj Agarwal | Ambit Capital |