Karnataka Bank
Mid/Small Private · NSE KTKBANK · Market cap ₹12,621
Latest FY FY2026
Loan growth
6.9%
Deposit growth
3.8%
NIM
3.2%
76th pctile
ROA
1.0%
ROE
10.2%
Gross NPA
2.6%
1th pctile
P/B
0.67x
71th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 6.9% | 17.7% | -10.8pp | — |
| Deposit growth | 3.8% | 13.4% | -9.6pp | — |
| CASA | 32.4% | 32.7% | -0.3pp | 90th |
| NIM | 3.2% | 3.6% | -0.4pp | 76th |
| ROA | 1.0% | 1.1% | -0.0pp | — |
| ROE | 10.2% | 12.4% | -2.1pp | — |
| Gross NPA | 2.6% | 1.9% | +0.7pp | 1th |
| Credit cost | 0.8% | 1.3% | -0.4pp | — |
| Cost/income | 55.1% | 55.1% | 0.0pp | — |
| CRAR | 21.1% | 18.9% | +2.2pp | — |
| P/B | 0.67x | 1.07x | -0.4pp | 71th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲CASA Ratio at 32.42 — 90th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Capital to Risks Assets Ratio (CRAR) at 21.10 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Cost of Borrowing at 5.16 — 10th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Fresh Slippages - Quarterly at 113.71 — 6th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Fresh Slippages - Quarterly -71.7% YoY to 113.71 · abs(yoy)>=15%
- ▲Gross NPA at 2.58 — 1th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -25.4% YoY to 2.58 · abs(yoy)>=15%
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▼Deposits growing -6.1pp vs listed-bank aggregate (share 0.43%, -0.03pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▼Advances growing -7.1pp vs listed-bank aggregate (share 0.38%, -0.03pp 1Y) · |bank growth - system proxy growth| >= 5pp