The Karnataka Bank Limited
NSE: KTKBANK · Private Sector Bank
Snapshot
Unlock The Karnataka Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
The Karnataka Bank Limited is an Indian private sector bank providing a comprehensive range of personal and business banking products, including deposits, loans, and investment services. It operates through four primary segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.
Business Model
The bank generates revenue primarily through net interest income from lending activities and fee-based income from banking services, insurance distribution, and digital payment platforms. It leverages an extensive network of branches, ATMs, and cash recyclers to facilitate customer transactions and deposit mobilisation.
- Branches:877
- ATMs:885
- Cash Recyclers:563
Growth Outlook
Growth is driven by the expansion of digital banking initiatives, such as the KBL e-COLLECT platform, and a diversified loan portfolio spanning MSME, agriculture, and retail sectors. The bank continues to focus on enhancing its service delivery through technological integration and branch network optimisation.
Key Risks
- Asset Quality Risk. Exposure to MSME and agricultural loan portfolios may lead to higher non-performing assets during economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and overall profitability.
- Regulatory Risk. Changes in Reserve Bank of India guidelines regarding capital adequacy and provisioning requirements could affect operational flexibility.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to potential data breaches and operational disruptions.
Price
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Key Metrics
NET PROFIT
₹1,311 Cr
TTM · consolidated
EPS
₹34.67
TTM · consolidated
P/E
7.9x
Q4 FY26 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
The Karnataka Bank LimitedKTKBANK | 8,297 | 7.89 | — | — | — | 9.5% | — | +41.8% |
Jammu & Kashmir Bank Ltd.J&KBANK | 12,553 | 8.30 | — | 7.0% | — | 7.8% | — | +53.9% |
Tamilnad Mercantile Bank LimitedTMB | 9,520 | 10.40 | — | — | — | — | — | +76.5% |
The South Indian Bank LimitedSOUTHBANK | 9,098 | 8.16 | — | 3.7% | — | 12.8% | — | +47.1% |
CSB Bank LimitedCSBBANK | 6,235 | 10.02 | — | — | — | 19.4% | — | -14.2% |
DCB Bank LimitedDCBBANK | 5,506 | 8.11 | — | — | — | 7.5% | — | +27.2% |
Financials
The Karnataka Bank Limited
NSE: KTKBANK · Private Sector Bank
Snapshot
Unlock The Karnataka Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
The Karnataka Bank Limited is an Indian private sector bank providing a comprehensive range of personal and business banking products, including deposits, loans, and investment services. It operates through four primary segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.
Business Model
The bank generates revenue primarily through net interest income from lending activities and fee-based income from banking services, insurance distribution, and digital payment platforms. It leverages an extensive network of branches, ATMs, and cash recyclers to facilitate customer transactions and deposit mobilisation.
- Branches:877
- ATMs:885
- Cash Recyclers:563
Growth Outlook
Growth is driven by the expansion of digital banking initiatives, such as the KBL e-COLLECT platform, and a diversified loan portfolio spanning MSME, agriculture, and retail sectors. The bank continues to focus on enhancing its service delivery through technological integration and branch network optimisation.
Key Risks
- Asset Quality Risk. Exposure to MSME and agricultural loan portfolios may lead to higher non-performing assets during economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and overall profitability.
- Regulatory Risk. Changes in Reserve Bank of India guidelines regarding capital adequacy and provisioning requirements could affect operational flexibility.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to potential data breaches and operational disruptions.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on The Karnataka Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹1,311 Cr
TTM · consolidated
EPS
₹34.67
TTM · consolidated
P/E
7.9x
Q4 FY26 · consolidated
Peers · Private Sector Bank
As of