Karur Vysya Bank Ltd.

Financial

	Karur Vysya Bank	City Union Bank	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.03 %	3.59 %	4.89 %
Yield On Advances	10.16 %	8.01 %	13.0 %
Gross NPA	0.83 %	3.36 %	2.6 %
Net NPA	0.2 %	1.42 %	0.29 %
CASA Ratio	28.41 %	30.63 %	34.1 %
CASA vs Liabilities	24.21 %	26.58 %	25.77 %
Credit Deposit Ratio	83.0 %	87.0 %	83.49 %
Cost To Income Ratio	47.27 %	48.64 %	66.4 %
Fresh Slippages - Quarterly	139.0 Crs	555.4 Crs	1058.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.91 %	22.26 %	15.54 %
Tier 2 Capital	0.88 %	0.97 %	1.48 %
Tier I Capital	15.03 %	21.29 %	14.06 %
NBFC
Cost of Borrowing	5.66 %	4.81 %	6.6 %
Financials
5 yr Average ROE	9.81 %	11.69 %	4.96 %
5yr average Equity Multiplier	10.53	9.04	8.54
5yr Average Asset Turnover Ratio	0.09	0.09	0.11
5yr Avg Net Profit Margin	10.04 %	14.32 %	4.77 %
5yr Avg Net Profit Margin	10.04 %	14.32 %	4.77 %
5yr CAGR Net Profit	46.85 %	16.35 %	20.29 %
5yr CAGR Sales	6.66 %	4.4 %	7.64 %
5 yr CAGR PPOP	9.95 %	2.49 %	2.91 %
Price to Book	1.61	1.49	0.8
P/E	9.32	12.12	18.1
Shareholdings
Promoter Holding	2.11 %	0.0	0.0
Share Pledged by Promoters	3.69 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.17 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	11.7 %	-2.64 %	4.04 %

Business

	Karur Vysya Bank	City Union Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 65.62 Corporate Banking 17.75 Treasury Operations 15.29 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 1.34	Segment Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Consumer Finance 59.48 Treasury Operations 0 Corporate Banking 20.22 Treasury Operations 18.8 Treasury 0 Corporate Banking 0 Consumer Finance 0 Others 1.5	Segment Break-Up Consumer Finance 48.62 Corporate Banking 20.26 RETAIL BANKING 0 Treasury Operations 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Treasury Operations 30.59 Corporate Banking 0 Consumer Finance 0 Others 0.53
Loan Break-Up	Loan Break-Up Jewel loan 27.0 Manufacturing 22.0 Personal Loan 14.0 Trading 12.0 CRE 7.0 NBFC 3.0 Bills 1.0 Capital market 0 Infra structural Nonagriculture,NBFC 0 Loan Collateralized by Deposits 0 Retail Traders 0 Commercial Real Estate 0 Housing Loans 0 Large Industries 0 Wholesale Traders 0 Agriculture 0 MSME 0 Others 14.0	Loan Break-Up Manufacturing 0 Jewel loan 0 Large Industries 1.18 Trading 0 MSME Sector 39.3 Capital market 0 Loan Collateralized by Deposits 0 Retail 1.15 CRE 0 NBFC 0 Personal Loan 0 Home loans 4.76 Agricultural 17.87 Commercial Real Estate 6.25 Wholesale Traders 1.87 Bills 0 Infra structural Nonagriculture,NBFC 15.26 Others 12.36	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 67.1 Corporate Banking 18.15 Treasury Operations 11.36 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 3.39	Operating Profit Break-Up Retail Banking 41.89 Treasury Operations 0 Treasury 40.07 Corporate / Wholesale Banking 12.8 Corporate Banking 0 Consumer Finance 0 Others 5.24	-
Borrowings Break-Up	Borrowings Break-Up Borrowings in India - Subordinated debt Tier II Capital 41.04 0 Reserve Bank of India 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 58.96	Borrowings Break-Up LAF 0 0 FCY 0 Reserve Bank of India 28.62 Tier II 0 0 Refinance 0 CBLO/LTRO 0 Inter-Bank 0 Others 71.38	Borrowings Break-Up LAF 0 0 FCY 42.0 Reserve Bank of India 0 Tier Ii 7.0 0 Refinance 51.0 CBLO/LTRO 0 Inter-Bank 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 100	Asset Break-Up - Segment Wise Retail Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 100	Asset Break-Up - Segment Wise Retail Banking 37.16 Treasury 32.71 Corporate/Wholesale Banking 28.39 Others 1.74
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 59.3 Priority Sector 40.7 Non Priority Sector 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Priority Sector 57.9 Non-Priority 0 Non Priority Sector 42.1 Priority 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 73.91 Non Priority Sector 0 Priority Sector 26.09

Karur Vysya Bank Ltd.

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