Karur Vysya Bank Ltd. benchmarking: Performance to industry peers

Financial

	Karur Vysya Bank	Bandhan Bank	RBL Bank
Operational Metrics
Banks
Net Interest Margin	4.25 %	6.2 %	4.41 %
Yield On Advances	9.93 %	12.0 %	11.64 %
Gross NPA	0.75 %	3.3 %	1.45 %
Net NPA	0.19 %	1.0 %	0.39 %
CASA Ratio	26.91 %	29.3 %	33.6 %
CASA vs Liabilities	22.79 %	23.09 %	25.83 %
Credit Deposit Ratio	84.89 %	90.24 %	82.21 %
Cost To Income Ratio	37.27 %	59.6 %	65.1 %
Fresh Slippages - Quarterly	187.0 Crs	1030.0 Crs	925.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.76 %	18.0 %	14.25 %
Tier 2 Capital	1.04 %	0.7 %	1.48 %
Tier I Capital	17.72 %	17.3 %	12.77 %
NBFC
Cost of Borrowing	5.38 %	6.5 %	5.87 %
Financials
5 yr Average ROE	12.63 %	9.79 %	4.8 %
5yr average Equity Multiplier	10.46	7.72	8.73
5yr Average Asset Turnover Ratio	0.09	0.12	0.11
5yr Avg Net Profit Margin	12.75 %	9.89 %	4.64 %
5yr Avg Net Profit Margin	12.75 %	9.89 %	4.64 %
5yr CAGR Net Profit	40.13 %	4.48 %	6.25 %
5yr CAGR Sales	12.49 %	11.36 %	11.05 %
5 yr CAGR PPOP	19.99 %	1.77 %	4.45 %
Price to Book	1.94	1.24	1.2
P/E	10.92	25.82	22.88
Shareholdings
Promoter Holding	2.07 %	38.98 %	0.0
Share Pledged by Promoters	3.85 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.17 %	-1.01 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.51 %	7.31 %	23.04 %

Business

	Karur Vysya Bank	Bandhan Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 57.17 Corporate Banking 25.13 Treasury Operations 16.01 Corporate/Wholesale Banking 0 Treasury 0 Retail banking 0 Retail Banking 0 Others 1.69	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 10.34 Corporate Banking 9.98 Consumer Finance 77.87 Retail Banking 0 Treasury Operations 0 Others 1.81	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 28.95 Corporate Banking 21.63 Retail banking 0 Consumer Finance 48.55 Treasury Operations 0 Others 0.87
Loan Break-Up	Loan Break-Up Jewel loan 28.0 Manufacturing 22.0 Personal Loan 12.0 Trading 12.0 CRE 7.0 NBFC 3.0 Bills 1.0 Capital market 0 CB 0 EEB Individual 0 EEB Group 0 Mortgages 0 NBFC-Others 0 NBFC-MFI 0 Retail 0 Small & Medium Enterprises (SME) loans 0 Microloans 0 Others 15.0	Loan Break-Up Capital market 0 Personal Loan 0 EEB Group 22.4 Mortage 23.2 EEB Individual 12.1 Jewel loan 0 Bills 0 Microloans 0 NBFC-Others 0 CRE 0 Retail 9.5 Trading 0 Small & Medium Enterprises (SME) loans 0 CB 31.4 Manufacturing 0 NBFC-MFI 0 NBFC 0 Others 1.4	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Western 0 Southern 0 Northern 0 Central 0 North Eastern 0 Eastern 0 Rest of the World 0	Location Wise Break-Up Central 14.0 Rest of the World 0 North 9.0 India 0 North Eastern 5.0 South 17.0 West 22.0 Eastern 33.0	Location Wise Break-Up Central 0 Rest of the World 0 Northern 0 India 100.0 North Eastern 0 Southern 0 Western 0 Eastern 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 57.88 Corporate Banking 25.51 Treasury Operations 12.52 Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 4.09	Operating Profit Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 100.0 Corporate/Wholesale Banking 0 Retail Banking 0 Treasury Operations 0	-
Borrowings Break-Up	Borrowings Break-Up 0 0 Other Institutions & agencies 0 Reserve Bank of India 0 Other banks - India 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 100	Borrowings Break-Up LAF 0 Refinance 0 Reserve Bank of India 0 Other Institutions & Agencies 53.96 0 Inter-Bank 0 FCY 0 Other banks - India 5.37 0 Tier II 0 CBLO/LTRO 0 Others 40.67	Borrowings Break-Up LAF 0 Refinance 51.0 Reserve Bank of India 0 Other Institutions & agencies 0 0 Inter-Bank 0 FCY 42.0 Other banks - India 0 0 Tier Ii 7.0 CBLO/LTRO 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 35.47 Treasury 31.76 Corporate/Wholesale Banking 31.42 Others 1.35
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 58.43 Priority Sector 41.57 Non Priority Sector Lending 0 Priority sector Lending 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 60.5 Priority Sector 0 Priority 0 Non-Priority 0 Priority Sector 39.5 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector Lending 0 Priority Sector 0 Priority Sector 25.06 Non Priority Sector 74.94 Priority sector Lending 0 Non Priority Sector 0

Karur Vysya Bank Ltd.

Karur Vysya Bank Ltd.

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