The Karnataka Bank Ltd.

Financial

	Karnataka Bank	CSB Bank	Tamilnad Mercantile
Operational Metrics
Banking Sector
Net Interest Margin	2.82 %	3.54 %	3.84 %
Yield On Advances	9.28 %	10.73 %	10.02 %
Gross NPA	3.46 %	1.84 %	1.22 %
Net NPA	1.44 %	0.66 %	0.33 %
CASA Ratio	30.84 %	23.49 %	26.78 %
CASA vs Liabilities	29.8 %	17.38 %	21.35 %
Credit Deposit Ratio	71.93 %	91.67 %	83.86 %
Cost To Income Ratio	58.05 %	64.7 %	49.1 %
Fresh Slippages - Quarterly	401.29 Crs	139.0 Crs	22.04 Crs
Capital to Risks Assets Ratio (CRAR)	20.5 %	21.71 %	31.55 %
Tier 2 Capital	1.6 %	1.79 %	1.56 %
Tier I Capital	18.9 %	19.92 %	29.99 %
NBFC
Cost of Borrowing	5.77 %	6.62 %	6.02 %
Financials
5 yr Average ROE	11.0 %	16.73 %	15.18 %
5yr average Equity Multiplier	12.5	9.9	8.76
5yr Average Asset Turnover Ratio	0.08	0.09	0.09
5yr Avg Net Profit Margin	9.39 %	16.0 %	18.5 %
5yr Avg Net Profit Margin	9.39 %	16.0 %	18.5 %
5yr CAGR Net Profit	24.79 %	22.15 %	14.41 %
5yr CAGR Sales	4.45 %	16.0 %	7.62 %
5 yr CAGR PPOP	5.48 %	12.04 %	7.75 %
Price to Book	0.53	1.45	0.73
P/E	5.51	10.91	5.65
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 %	0.0
Change in Mutual Fund Holding (3 Yrs)	8.3 %	6.03 %	0.0

Business

	Karnataka Bank	CSB Bank	Tamilnad Mercantile
Segment Break-Up	Segment Break-Up Consumer Finance 48.09 Corporate Banking 30.09 Treasury Operations 16.84 Corporate/ Wholesale Banking 0 Others 4.98	Segment Break-Up Consumer Finance 0 Corporate Banking 27.38 Treasury Operations 0 Corporate Banking 0 Others 72.62	-
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 Others 54.55	Loan Break-Up Consumer Finance 20.0 Assignment Loans 0 Housing Loan 0 Personal Loan 0 Iron & Steel 0 Agricultural 0 Others 0 MSME Loans 0 Small & Medium Enterprises (SME) loans 13.0 Automobiles 0 Trade and Business 0 Agri& MFI Loans 0 Commercial Real estate 0 Two Wheeler Loans 0 Textiles 0 Corporate Banking 23.0 Gold Loan 44.0 Infrastructure Loan 0 LCBD & TReDS 0 0 Professional and self employed 0	Loan Break-Up Retail Loans 0 Assignment Loans 0 Housing Loan 0 Personal Loan 0 Iron & Steel 0 Agricultural 0 Others 0 MSME Loans 0 SME Loans 0 Automobiles 0 Trade and Business 0 Agri& MFI Loans 0 Commercial Real estate 0 Two Wheeler Loans 0 Textiles 0 Corporate Loans 0 Gold Loans 0 Infrastructure Loan 0 LCBD & TReDS 0 0 Professional and self employed 0 Others 100
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	Location Wise Break-Up Rest of the World 0 India 0 Kerala 20.0 Karnataka 6.0 Tamil Nadu 27.0 Maharashtra 17.0 Andhra Pradesh 8.0 Others 22.0	Location Wise Break-Up Rest of the World 0 India 100.0 Kerala 0 Karnataka 0 Tamilnadu 0 Maharashtra 0 Andhra Pradesh 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 56.43 Corporate / Wholesale Banking 29.95 Treasury 13.62	-	Operating Profit Break-Up Treasury 7.95 Retail Banking 82.1 Corporate / Wholesale Banking 9.95
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 Others 47.75	Borrowings Break-Up Other institutions and agencies 32.18 Reserve Bank of India 0 Reserve Bank of India 5.41 Subordinated Debt 0 Others 62.41	-
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	Asset Break-Up - Segment Wise Treasury 47.09 Retail Banking 28.75 Corporate / Wholesale Banking 0 Others 24.16	-
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 Others 3.93	NPA Break-Up Service 30.0 Services 0 Industrial & Commercial 0 Personal Loans 0 Agricultural 44.0 Retail 14.0 Personal Loan 0 Agricultural 0 Others 12.0	NPA Break-Up Servies 0 Services 0 Industrial & Commercial 0 Personal Loans 0 Agriculture 8.99 Retail & Other 0 Personal Loan 0 Agricultural 0 Others 91.01
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.13 Priority Sector 37.87	Priority vs Non-Priority Sector Non Priority Sector 46.82 Priority Sector 53.18	-

The Karnataka Bank Ltd.

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