The Karnataka Bank Limited
The Karnataka Bank Limited provides various banking and financial services in India. It operates through four segments: Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured fina… Read more
The Karnataka Bank Limited (KTKBANK) - Net Assets
Latest net assets as of September 2025: ₹125.89 Billion INR
Based on the latest financial reports, The Karnataka Bank Limited (KTKBANK) has net assets worth ₹125.89 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹1.19 Trillion) and total liabilities (₹1.06 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹125.89 Billion |
| % of Total Assets | 10.61% |
| Annual Growth Rate | 13.4% |
| 5-Year Change | 81.94% |
| 10-Year Change | 227.45% |
| Growth Volatility | 9.34 |
The Karnataka Bank Limited - Net Assets Trend (2005–2025)
This chart illustrates how The Karnataka Bank Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for The Karnataka Bank Limited (2005–2025)
The table below shows the annual net assets of The Karnataka Bank Limited from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹120.85 Billion | +12.66% |
| 2024-03-31 | ₹107.27 Billion | +30.60% |
| 2023-03-31 | ₹82.13 Billion | +15.78% |
| 2022-03-31 | ₹70.94 Billion | +6.80% |
| 2021-03-31 | ₹66.42 Billion | +11.25% |
| 2020-03-31 | ₹59.70 Billion | +3.20% |
| 2019-03-31 | ₹57.85 Billion | +6.93% |
| 2018-03-31 | ₹54.10 Billion | +5.20% |
| 2017-03-31 | ₹51.43 Billion | +39.34% |
| 2016-03-31 | ₹36.91 Billion | +8.90% |
| 2015-03-31 | ₹33.89 Billion | +11.04% |
| 2014-03-31 | ₹30.52 Billion | +6.83% |
| 2013-03-31 | ₹28.57 Billion | +9.96% |
| 2012-03-31 | ₹25.98 Billion | +6.96% |
| 2011-03-31 | ₹24.29 Billion | +32.54% |
| 2010-03-31 | ₹18.33 Billion | +16.96% |
| 2009-03-31 | ₹15.67 Billion | +13.59% |
| 2008-03-31 | ₹13.80 Billion | +11.38% |
| 2007-03-31 | ₹12.39 Billion | +11.47% |
| 2006-03-31 | ₹11.11 Billion | +13.61% |
| 2005-03-31 | ₹9.78 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to The Karnataka Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 189012700000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹1.89 Billion | 1.56% |
| Common Stock | ₹3.78 Billion | 3.13% |
| Other Comprehensive Income | ₹117.07 Billion | 96.87% |
| Total Equity | ₹120.85 Billion | 100.00% |
The Karnataka Bank Limited Competitors by Market Cap
The table below lists competitors of The Karnataka Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Rent-A-Center Inc
F:RAC
|
$828.09 Million |
|
Anhui Jiangnan Chemical Industry Co Ltd
SHE:002226
|
$828.66 Million |
|
Huhtamaki Oyj
NYSE:HMKIY
|
$828.92 Million |
|
United Fire Group Inc
NASDAQ:UFCS
|
$828.99 Million |
|
VNDIRECT Securities Corp
VN:VND
|
$827.89 Million |
|
Asia Optical Co Inc
TW:3019
|
$827.87 Million |
|
Mercantile Bank Corporation
NASDAQ:MBWM
|
$827.69 Million |
|
Xintec
TWO:3374
|
$827.07 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in The Karnataka Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 108,475,326,000 to 120,848,300,000, a change of 12,372,974,000 (11.4%).
- Net income of 12,728,400,000 contributed positively to equity growth.
- Dividend payments of 2,076,900,000 reduced retained earnings.
- Share repurchases of 42,200,000 reduced equity.
- New share issuances of 42,200,000 increased equity.
- Other comprehensive income increased equity by 41,256,329,000.
- Other factors decreased equity by 39,534,855,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹12.73 Billion | +10.53% |
| Dividends Paid | ₹2.08 Billion | -1.72% |
| Share Repurchases | ₹42.20 Million | -0.03% |
| Share Issuances | ₹42.20 Million | +0.03% |
| Other Comprehensive Income | ₹41.26 Billion | +34.14% |
| Other Changes | ₹-39.53 Billion | -32.71% |
| Total Change | ₹- | 11.41% |
Book Value vs Market Value Analysis
This analysis compares The Karnataka Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.71x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 7.20x to 0.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | ₹31.49 | ₹226.70 | x |
| 2006-03-31 | ₹35.77 | ₹226.70 | x |
| 2007-03-31 | ₹39.88 | ₹226.70 | x |
| 2008-03-31 | ₹44.41 | ₹226.70 | x |
| 2009-03-31 | ₹50.45 | ₹226.70 | x |
| 2010-03-31 | ₹59.00 | ₹226.70 | x |
| 2011-03-31 | ₹78.20 | ₹226.70 | x |
| 2012-03-31 | ₹83.65 | ₹226.70 | x |
| 2013-03-31 | ₹91.98 | ₹226.70 | x |
| 2014-03-31 | ₹98.26 | ₹226.70 | x |
| 2015-03-31 | ₹109.11 | ₹226.70 | x |
| 2016-03-31 | ₹158.99 | ₹226.70 | x |
| 2017-03-31 | ₹200.33 | ₹226.70 | x |
| 2018-03-31 | ₹174.03 | ₹226.70 | x |
| 2019-03-31 | ₹186.10 | ₹226.70 | x |
| 2020-03-31 | ₹192.02 | ₹226.70 | x |
| 2021-03-31 | ₹213.04 | ₹226.70 | x |
| 2022-03-31 | ₹227.26 | ₹226.70 | x |
| 2023-03-31 | ₹262.06 | ₹226.70 | x |
| 2024-03-31 | ₹329.30 | ₹226.70 | x |
| 2025-03-31 | ₹319.30 | ₹226.70 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently The Karnataka Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.53%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.38%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 10.01x
- Recent ROE (10.53%) is below the historical average (11.21%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 15.05% | 13.86% | 0.08x | 12.82x | ₹493.42 Million |
| 2006 | 15.84% | 33.03% | 0.04x | 13.46x | ₹649.21 Million |
| 2007 | 14.29% | 29.79% | 0.04x | 13.10x | ₹531.72 Million |
| 2008 | 17.52% | 34.73% | 0.04x | 14.02x | ₹1.04 Billion |
| 2009 | 17.02% | 32.26% | 0.04x | 14.59x | ₹1.10 Billion |
| 2010 | 9.12% | 25.84% | 0.02x | 14.75x | ₹-161.55 Million |
| 2011 | 8.42% | 22.65% | 0.03x | 13.05x | ₹-382.97 Million |
| 2012 | 9.47% | 22.88% | 0.03x | 13.98x | ₹-137.51 Million |
| 2013 | 12.18% | 26.08% | 0.03x | 14.53x | ₹623.74 Million |
| 2014 | 10.19% | 20.29% | 0.03x | 15.41x | ₹58.15 Million |
| 2015 | 13.32% | 26.01% | 0.03x | 15.30x | ₹1.13 Billion |
| 2016 | 11.25% | 22.65% | 0.03x | 15.31x | ₹462.33 Million |
| 2017 | 8.79% | 19.70% | 0.04x | 12.47x | ₹-619.98 Million |
| 2018 | 6.02% | 12.00% | 0.04x | 13.01x | ₹-2.15 Billion |
| 2019 | 8.25% | 16.58% | 0.04x | 13.66x | ₹-1.01 Billion |
| 2020 | 7.23% | 12.59% | 0.04x | 13.95x | ₹-1.65 Billion |
| 2021 | 7.26% | 13.46% | 0.04x | 12.88x | ₹-1.82 Billion |
| 2022 | 7.16% | 7.09% | 0.08x | 12.97x | ₹-2.01 Billion |
| 2023 | 14.36% | 14.36% | 0.08x | 12.06x | ₹3.58 Billion |
| 2024 | 12.05% | 13.59% | 0.08x | 10.70x | ₹2.22 Billion |
| 2025 | 10.53% | 12.38% | 0.09x | 10.01x | ₹643.57 Million |
Industry Comparison
This section compares The Karnataka Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| The Karnataka Bank Limited (KTKBANK) | ₹125.89 Billion | 15.05% | 8.43x | $827.96 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |