The Karnataka Bank Ltd.

Financial

	Karnataka Bank	CSB Bank	Equitas Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	2.82 %	3.54 %	6.55 %
Yield On Advances	9.28 %	10.73 %	16.01 %
Gross NPA	3.46 %	1.84 %	2.82 %
Net NPA	1.44 %	0.66 %	0.95 %
CASA Ratio	30.84 %	23.49 %	29.0 %
CASA vs Liabilities	29.8 %	17.38 %	23.86 %
Credit Deposit Ratio	71.93 %	91.67 %	78.28 %
Cost To Income Ratio	58.05 %	64.7 %	70.62 %
Fresh Slippages - Quarterly	401.29 Crs	139.0 Crs	452.77 Crs
Capital to Risks Assets Ratio (CRAR)	20.5 %	21.71 %	20.48 %
Tier 2 Capital	1.6 %	1.79 %	3.32 %
Tier I Capital	18.9 %	19.92 %	17.16 %
NBFC
Cost of Borrowing	5.77 %	6.62 %	7.49 %
Financials
5 yr Average ROE	11.75 %	16.73 %	9.79 %
5yr average Equity Multiplier	11.71	9.9	7.34
5yr Average Asset Turnover Ratio	0.08	0.09	0.14
5yr Avg Net Profit Margin	10.75 %	16.0 %	8.86 %
5yr Avg Net Profit Margin	10.75 %	16.0 %	8.86 %
5yr CAGR Net Profit	21.41 %	22.15 %	-17.48 %
5yr CAGR Sales	6.13 %	16.0 %	14.86 %
5 yr CAGR PPOP	-0.86 %	12.04 %	8.52 %
Price to Book	0.54	1.46	1.07
P/E	5.61	10.99	0.0
Shareholdings
Promoter Holding	0.0	40.0 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-9.73 %	-74.52 %
Change in Mutual Fund Holding (3 Yrs)	8.3 %	6.03 %	28.47 %

Business

	Karnataka Bank	CSB Bank	Equitas Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 46.12 Corporate Banking 31.6 Treasury Operations 19.19 Corporate/ Wholesale Banking 0 Other Banking Business 0 Others 3.09	Segment Break-Up Corporate Banking 23.64 Other Banking Business 0 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 76.36	Segment Break-Up Corporate/ Wholesale Banking 0 Other Banking Business 0 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100
Loan Break-Up	Loan Break-Up Personal Loan 21.61 Agricultural 13.83 Others 10.01 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 Gold Loans 0 SME Loans 0 MSME Loans 0 Corporate Loans 0 Retail Loans 0 Two Wheeler Loans 0 Assignment Loans 0 LCBD & TReDS 0 Agri& MFI Loans 0 Housing Finance 0 NBFC Finance 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0 Others 54.55	Loan Break-Up Personal Loan 0 Infrastructure Loan 0 Corporate Banking 23.0 LCBD & TReDS 0 Agricultural 0 Assignment Loans 0 Vehicle Finance 0 Textiles 0 Agri& MFI Loans 0 Others 0 Consumer Finance 19.0 Trade and Business 0 0 Gold Loan 45.0 MSME Loans 0 Two Wheeler Loans 0 Micro Finance 0 NBFC Finance 0 Professional and self employed 0 Automobiles 0 Iron & Steel 0 Small & Medium Enterprises (SME) loans 13.0 MSE Finance (Working Capital) 0 Housing Finance 0 0 Commercial Real estate 0 Housing Loan 0	Loan Break-Up Personal Loan 0 Infrastructure Loan 0 Corporate Loans 0 LCBD & TReDS 0 Agricultural 0 Assignment Loans 0 Auto Loans 24.3 Textiles 0 Agri& MFI Loans 0 Others 0 Retail Loans 0 Trade and Business 0 Small & Medium Enterprises (SME) loans 39.42 Gold Loans 0 MSME Loans 0 Two Wheeler Loans 0 Small & Medium Enterprises (SME) loans 17.13 NBFC Finance 1.84 Professional and self employed 0 Automobiles 0 Iron & Steel 0 SME Loans 0 Small & Medium Enterprises (SME) loans 3.54 Housing Finance 12.45 0 Commercial Real estate 0 Housing Loan 0 Others 1.32
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Andhra Pradesh 0 Karnataka 0 Maharashtra 0 Tamilnadu 0 Kerala 0 International 0 Domestic 0	Location Wise Break-Up Domestic 0 Rest of the World 0 International 0 India 0 Andhra Pradesh 9.0 Maharashtra 16.0 Kerala 19.0 Karnataka 7.0 Tamil Nadu 27.0 Others 22.0	Location Wise Break-Up Domestic 100.0 Rest of the World 0 International 0 India 0 Andhra Pradesh 0 Maharashtra 0 Kerala 0 Karnataka 0 Tamilnadu 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 Treasury 80.09 Corporate/Wholesale Banking 0.01 Other Banking Business 19.9 Retail Banking 0 Corporate / Wholesale Banking 0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 45.43 Subordinated Debt 6.82 Other institutions and agencies 0 Reserve Bank of India (Repo) 0 0 0 Other banks 0 Others 47.75	Borrowings Break-Up Other institutions and agencies 32.18 0 0 Other banks 0 Reserve Bank of India 0 Subordinated Debt 0 Reserve Bank of India 5.41 Others 62.41	Borrowings Break-Up Other Institutions & Agencies 100.0 0 0 Other banks 0 Reserve Bank of India 0 Subordinated Debt 0 Reserve Bank of India (Repo) 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	Asset Break-Up - Segment Wise Treasury 50.51 Retail Banking 23.5 Corporate / Wholesale Banking 0 Others 25.99	-
NPA Break-Up	NPA Break-Up Services 37.37 Agricultural 24.19 Industrial & Commercial 19.67 Personal Loan 14.84 Retail & Other 0 Personal Loans 0 Servies 0 Agriculture 0 Housing 0 Micro, Small and Medium Enterprises 0 Others 3.93	NPA Break-Up Personal Loan 0 Service 30.0 Personal Loans 0 Industrial & Commercial 0 Retail 14.0 Housing 0 Agricultural 0 Services 0 Agricultural 44.0 Micro, Small and Medium Enterprises 0 Others 12.0	NPA Break-Up Personal Loan 0 Servies 0 Personal Loans 0 Industrial & Commercial 0 Retail & Other 0 Housing 19.56 Agricultural 0 Services 0 Agricultural 19.53 Micro, Small and Medium Enterprises 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 Priority Sector 53.18 Priority sector 0 Non-priority sector 0 Non Priority Sector 46.82	Priority vs Non-Priority Sector Priority Sector 0 Priority Sector 72.92 Non Priority Sector 27.08 Non Priority Sector 0

The Karnataka Bank Ltd.

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