The Karnataka Bank Ltd.

Financial

	Karnataka Bank	Equitas Small Fin.	Tamilnad Mercantile
Operational Metrics
Banking Sector
Net Interest Margin	2.98 %	7.13 %	3.87 %
Yield On Advances	9.43 %	16.3 %	10.22 %
Gross NPA	3.08 %	2.89 %	1.25 %
Net NPA	1.31 %	0.98 %	0.36 %
CASA Ratio	31.75 %	29.0 %	26.44 %
CASA vs Liabilities	27.51 %	23.66 %	21.36 %
Credit Deposit Ratio	74.38 %	84.0 %	82.64 %
Cost To Income Ratio	60.1 %	70.28 %	44.6 %
Fresh Slippages - Quarterly	254.92 Crs	295.31 Crs	54.45 Crs
Capital to Risks Assets Ratio (CRAR)	19.9 %	20.6 %	32.71 %
Tier 2 Capital	1.5 %	2.76 %	1.47 %
Tier I Capital	18.4 %	17.84 %	31.24 %
NBFC
Cost of Borrowing	5.83 %	7.54 %	5.93 %
Financials
5 yr Average ROE	11.0 %	11.25 %	14.53 %
5yr average Equity Multiplier	12.5	7.01	9.43
5yr Average Asset Turnover Ratio	0.08	0.15	0.09
5yr Avg Net Profit Margin	9.39 %	10.11 %	16.69 %
5yr Avg Net Profit Margin	9.39 %	10.11 %	16.69 %
5yr CAGR Net Profit	24.79 %	26.81 %	21.33 %
5yr CAGR Sales	4.45 %	16.51 %	6.59 %
5 yr CAGR PPOP	5.48 %	18.18 %	8.29 %
Price to Book	0.62	1.25	0.8
P/E	5.88	51.7	6.11
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	-74.59 %	0.0
Change in Mutual Fund Holding (3 Yrs)	8.31 %	23.09 %	0.0

Business

	Karnataka Bank	Equitas Small Fin.	Tamilnad Mercantile
Segment Break-Up	Segment Break-Up Consumer Finance 48.09 Corporate Banking 30.09 Treasury Operations 16.84 Other Banking Business 0 Others 4.98	Segment Break-Up Other Banking Business 0 Consumer Finance 0 Corporate Banking 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 Housing Finance 0 NBFC Finance 0 Corporate Loans 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0 Others 54.55	Loan Break-Up Personal Loan 0 NBFC Finance 1.38 0 Textiles 0 Automobiles 0 Agricultural 0 Housing Finance 12.55 Small & Medium Enterprises (SME) loans 11.92 Commercial Real estate 0 Professional and self employed 0 Small & Medium Enterprises (SME) loans 4.45 Auto Loans 24.89 Iron & Steel 0 Infrastructure Loan 0 Corporate Loans 0 Housing Loan 0 Trade and Business 0 Small & Medium Enterprises (SME) loans 43.13 Others 0 Others 1.68	Loan Break-Up Personal Loan 0 NBFC Finance 0 0 Textiles 0 Automobiles 0 Agricultural 0 Housing Finance 0 Micro Finance 0 Commercial Real estate 0 Professional and self employed 0 MSE Finance (Working Capital) 0 Vehicle Finance 0 Iron & Steel 0 Infrastructure Loan 0 Corporate Loans 0 Housing Loan 0 Trade and Business 0 0 Others 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up Rest of the World 0 Domestic 100.0 International 0 India 0	Location Wise Break-Up Rest of the World 0 Domestic 0 International 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 56.43 Corporate / Wholesale Banking 29.95 Treasury 13.62 Other Banking Business 0 Corporate/Wholesale Banking 0	Operating Profit Break-Up Treasury 69.0 Retail Banking 20.86 Other Banking Business 0 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 10.14	Operating Profit Break-Up Treasury 7.95 Retail Banking 82.1 Other Banking Business 0 Corporate/Wholesale Banking 0 Corporate / Wholesale Banking 9.95
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 45.43 Subordinated Debt 6.82 0 0 Other institutions and agencies 0 Other banks 0 Others 47.75	Borrowings Break-Up Subordinated Debt 0 0 Reserve Bank of India 0 Other banks 0 Other Institutions & Agencies 100.0 0	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 38.5 Corporate / Wholesale Banking 31.44 Treasury 27.22 Others 2.84	-	-
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 Services 0 Housing 23.59 Micro, Small and Medium Enterprises 0 Industrial & Commercial 0 Agricultural 23.19 Agricultural 0 Personal Loan 0 Others 53.22	NPA Break-Up Services 0 Housing 0 Micro, Small and Medium Enterprises 0 Industrial & Commercial 0 Agriculture 8.99 Agricultural 0 Personal Loan 0 Others 91.01
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.13 Priority Sector 37.87 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Non Priority Sector 31.77 Priority Sector 68.23	-

The Karnataka Bank Ltd.

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