The Karnataka Bank Ltd.

Financial

	Karnataka Bank	South Indian Bank	Equitas Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	2.98 %	3.21 %	7.13 %
Yield On Advances	9.43 %	9.02 %	16.3 %
Gross NPA	3.08 %	3.2 %	2.89 %
Net NPA	1.31 %	0.92 %	0.98 %
CASA Ratio	31.75 %	31.37 %	29.0 %
CASA vs Liabilities	27.51 %	27.06 %	23.66 %
Credit Deposit Ratio	74.38 %	79.68 %	84.0 %
Cost To Income Ratio	60.1 %	52.6 %	70.28 %
Fresh Slippages - Quarterly	254.92 Crs	213.0 Crs	295.31 Crs
Capital to Risks Assets Ratio (CRAR)	19.9 %	19.31 %	20.6 %
Tier 2 Capital	1.5 %	1.33 %	2.76 %
Tier I Capital	18.4 %	17.98 %	17.84 %
NBFC
Cost of Borrowing	5.83 %	4.96 %	7.54 %
Financials
5 yr Average ROE	11.0 %	8.99 %	11.25 %
5yr average Equity Multiplier	12.5	15.51	7.01
5yr Average Asset Turnover Ratio	0.08	0.08	0.15
5yr Avg Net Profit Margin	9.39 %	6.93 %	10.11 %
5yr Avg Net Profit Margin	9.39 %	6.93 %	10.11 %
5yr CAGR Net Profit	24.79 %	88.63 %	26.81 %
5yr CAGR Sales	4.45 %	5.85 %	16.51 %
5 yr CAGR PPOP	5.48 %	8.41 %	18.18 %
Price to Book	0.65	0.78	1.26
P/E	6.16	6.04	51.85
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	-74.59 %
Change in Mutual Fund Holding (3 Yrs)	8.31 %	8.28 %	23.09 %

Business

	Karnataka Bank	South Indian Bank	Equitas Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 48.09 Corporate Banking 30.09 Treasury Operations 16.84 Retail banking 0 Corporate/Whole sale Banking 0 Other Banking Business 0 Others 4.98	Segment Break-Up Other Banking Business 0 Consumer Finance 0 Corporate Banking 35.42 Treasury Operations 0 Consumer Finance 42.38 Corporate Banking 0 Others 22.2	Segment Break-Up Other Banking Business 0 Consumer Finance 0 Corporate/Whole sale Banking 0 Treasury Operations 0 Retail banking 0 Corporate Banking 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 Personal Loans 0 Agriculture 0 SME 0 Gold 0 Corporate 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 Others 0 NBFC Finance 0 0 0 Micro Finance 0 Commercial Real estate 0 Housing Loan 0 Professional and self employed 0 Infrastructure Loan 0 Personal Loans 26.0 Automobiles 0 Textiles 0 Vehicle Finance 0 Housing Finance 0 SME 14.0 Agricultural 19.0 Corporate 41.0 Personal Loan 0 Trade and Business 0 Agricultural 0 Corporate Loans 0 Gold 0 Iron & Steel 0 MSE Finance (Working Capital) 0	Loan Break-Up Others 0 NBFC Finance 1.38 Small & Medium Enterprises (SME) loans 43.13 0 Small & Medium Enterprises (SME) loans 11.92 Commercial Real estate 0 Housing Loan 0 Professional and self employed 0 Infrastructure Loan 0 Personal Loans 0 Automobiles 0 Textiles 0 Auto Loans 24.89 Housing Finance 12.55 SME 0 Agriculture 0 Corporate 0 Personal Loan 0 Trade and Business 0 Agricultural 0 Corporate Loans 0 Gold 0 Iron & Steel 0 Small & Medium Enterprises (SME) loans 4.45 Others 1.68
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Rest of India 0 South India 0 Kerala 0 International 0 Domestic 0	Location Wise Break-Up India 0 South India 29.75 Domestic 0 Rest of India 17.72 International 0 Kerala 52.53 Rest of the World 0	Location Wise Break-Up India 0 South India 0 Domestic 100.0 Rest of India 0 International 0 Kerala 0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 56.43 Corporate / Wholesale Banking 29.95 Treasury 13.62 Corporate & Wholesale Banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0	Operating Profit Break-Up Corporate / Wholesale Banking 0 Other Banking Business 0 Wholesale Banking 30.33 Treasury 29.54 Corporate/Wholesale Banking 0 Retail Banking 40.13	Operating Profit Break-Up Corporate / Wholesale Banking 0 Other Banking Business 0 Corporate & Wholesale Banking 0 Treasury 69.0 Corporate/Wholesale Banking 0 Retail Banking 20.86 Others 10.14
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 45.43 Subordinated Debt 6.82 Other Institutions and Agencies 0 0 0 0 Other institutions and agencies 0 Other banks 0 Others 47.75	Borrowings Break-Up Other institutions and agencies 0 Other banks 0 0 0 Borrowings outside India 5.04 Reserve Bank of India 2.34 Subordinated Debt 0 Other Institutions and Agencies 92.61 Others 0.01	Borrowings Break-Up Other Institutions & Agencies 100.0 Other banks 0 0 0 0 Reserve Bank of India 0 Subordinated Debt 0 Other Institutions and Agencies 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 Loan 0 Other Personal loans incl. Gold Loan 0 Trade 0 Textile 0 Basic Metal 0 Infra 0 Professional 0 NBFC 0 Personal loans 0 Housing 0 Micro, Small and Medium Enterprises 0 Agriculture 0 Others 3.93	NPA Break-Up Agriculture 0 Personal Loan 0 Agricultural 0 Services 0 Home loans 4.35 Textiles 6.23 INFRA 2.26 Housing 0 Micro, Small and Medium Enterprises 0 Trading 30.55 NBFC 0.14 Others 8.45 Basic Metal 2.33 Industrial & Commercial 0 Professional Services 7.54 Personal Loan 12.8 Others 25.35	NPA Break-Up Agricultural 23.19 Personal Loan 0 Agricultural 0 Services 0 Housing Loan 0 Textile 0 Infra 0 Housing 23.59 Micro, Small and Medium Enterprises 0 Trade 0 NBFC 0 Other Personal loans incl. Gold Loan 0 Basic Metal 0 Industrial & Commercial 0 Professional 0 Personal loans 0 Others 53.22
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.13 Priority Sector 37.87 Priority Sectors 0 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non-priority sector 0 Non Priority Sector 61.04 Priority Sector 0 Priority Sector 38.96 Priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 31.77 Non Priority Sector 0 Priority Sector 0 Priority Sectors 0 Priority Sector 68.23

The Karnataka Bank Ltd.

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