The Karnataka Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Karnataka Bank	Tamilnad Mercantile	Equitas Small Fin.
Operational Metrics
Banks
Net Interest Margin	2.72 %	3.83 %	6.29 %
Yield On Advances	8.98 %	9.97 %	15.73 %
Gross NPA	3.33 %	1.01 %	2.82 %
Net NPA	1.35 %	0.26 %	0.95 %
CASA Ratio	31.01 %	27.36 %	31.0 %
CASA vs Liabilities	26.86 %	21.96 %	24.66 %
Credit Deposit Ratio	71.63 %	84.68 %	82.44 %
Cost To Income Ratio	58.93 %	43.81 %	75.89 %
Fresh Slippages - Quarterly	249.19 Crs	22.66 Crs	355.19 Crs
Capital to Risks Assets Ratio (CRAR)	20.8 %	30.96 %	20.74 %
Tier 2 Capital	1.5 %	1.56 %	4.3 %
Tier I Capital	19.3 %	29.4 %	16.44 %
NBFC
Cost of Borrowing	5.58 %	5.91 %	7.35 %
Financials
5 yr Average ROE	11.75 %	15.18 %	9.79 %
5yr average Equity Multiplier	11.71	8.76	7.34
5yr Average Asset Turnover Ratio	0.08	0.09	0.14
5yr Avg Net Profit Margin	10.75 %	18.5 %	8.86 %
5yr Avg Net Profit Margin	10.75 %	18.5 %	8.86 %
5yr CAGR Net Profit	21.41 %	14.41 %	-17.48 %
5yr CAGR Sales	6.13 %	7.62 %	14.86 %
5 yr CAGR PPOP	-0.86 %	7.75 %	8.52 %
Price to Book	0.64	0.9	1.18
P/E	7.02	6.96	0.0
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-74.5 %
Change in Mutual Fund Holding (3 Yrs)	7.64 %	0.0	30.1 %

Business

	Karnataka Bank	Tamilnad Mercantile	Equitas Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 46.12 Corporate Banking 31.6 Treasury Operations 19.19 Other Banking Business 0 Others 3.09	-	Segment Break-Up Other Banking Business 0 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100
Loan Break-Up	Loan Break-Up Others 30.88 Personal Loan 25.45 Agricultural 16.43 Infrastructure Loan 0 Commercial Real estate 0 Housing Loan 0 0 Trade and Business 0 Professional and self employed 0 Iron & Steel 0 Textiles 0 Automobiles 0 Housing Finance 0 NBFC Finance 0 Corporate Loans 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0 Others 27.24	Loan Break-Up Vehicle Finance 0 NBFC Finance 0 MSE Finance (Working Capital) 0 Personal Loan 0 0 Others 0 Housing Loan 0 Textiles 0 Micro Finance 0 Infrastructure Loan 0 Iron & Steel 0 Automobiles 0 Professional and self employed 0 0 Corporate Loans 0 Housing Finance 0 Agricultural 0 Commercial Real estate 0 Trade and Business 0 Others 100	Loan Break-Up Auto Loans 25.05 NBFC Finance 2.77 Small & Medium Enterprises (SME) loans 4.73 Personal Loan 0 0 Others 0 Housing Loan 0 Textiles 0 Small & Medium Enterprises (SME) loans 8.67 Infrastructure Loan 0 Iron & Steel 0 Automobiles 0 Professional and self employed 0 Small & Medium Enterprises (SME) loans 43.93 Corporate Loans 0 Housing Finance 12.95 Agricultural 0 Commercial Real estate 0 Trade and Business 0 Others 1.9
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up International 0 India 100.0 Rest of the World 0 Domestic 0	Location Wise Break-Up International 0 India 0 Rest of the World 0 Domestic 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 56.47 Corporate / Wholesale Banking 25.18 Treasury 18.35 Other Banking Business 0 Corporate/Wholesale Banking 0	Operating Profit Break-Up Corporate / Wholesale Banking 8.97 Corporate/Wholesale Banking 0 Treasury 14.11 Retail Banking 76.92 Other Banking Business 0	Operating Profit Break-Up Corporate / Wholesale Banking 0 Corporate/Wholesale Banking 0 Treasury 100.0 Retail Banking 0 Other Banking Business 0
Borrowings Break-Up	Borrowings Break-Up Subordinated Debt 15.46 Reserve Bank of India 0 0 0 Other institutions and agencies 0 Other banks 0 Others 84.54	-	Borrowings Break-Up Subordinated Debt 0 Other banks 0 Other Institutions & Agencies 100.0 0 Reserve Bank of India 0 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 39.15 Treasury 29.06 Corporate / Wholesale Banking 28.78 Others 3.01	-	-
NPA Break-Up	NPA Break-Up Services 37.37 Agricultural 24.19 Industrial & Commercial 19.67 Personal Loan 14.84 Housing 0 Micro, Small and Medium Enterprises 0 Agriculture 0 Others 3.93	NPA Break-Up Agriculture 7.62 Agricultural 0 Industrial & Commercial 0 Micro, Small and Medium Enterprises 0 Housing 0 Personal Loan 0 Services 0 Others 92.38	NPA Break-Up Agricultural 19.53 Agricultural 0 Industrial & Commercial 0 Micro, Small and Medium Enterprises 0 Housing 19.56 Personal Loan 0 Services 0 Others 60.91
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.11 Priority Sector 37.89 Non-priority sector 0 Priority sector 0	-	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 27.08 Priority Sector 0 Priority Sector 72.92

The Karnataka Bank Ltd.

The Karnataka Bank Ltd.

Financial

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