The Karnataka Bank Ltd.

Financial

	Karnataka Bank	Tamilnad Mercantile	Equitas Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	3.02 %	3.87 %	7.13 %
Yield On Advances	9.37 %	10.22 %	16.3 %
Gross NPA	3.11 %	1.25 %	2.89 %
Net NPA	1.39 %	0.36 %	0.98 %
CASA Ratio	30.32 %	26.44 %	29.0 %
CASA vs Liabilities	25.93 %	21.36 %	23.66 %
Credit Deposit Ratio	77.77 %	82.64 %	84.0 %
Cost To Income Ratio	60.09 %	44.6 %	70.28 %
Fresh Slippages - Quarterly	292.69 Crs	54.45 Crs	295.31 Crs
Capital to Risks Assets Ratio (CRAR)	17.64 %	32.71 %	20.6 %
Tier 2 Capital	1.64 %	1.47 %	2.76 %
Tier I Capital	16.0 %	31.24 %	17.84 %
NBFC
Cost of Borrowing	5.69 %	5.93 %	7.54 %
Financials
5 yr Average ROE	11.0 %	14.53 %	11.25 %
5yr average Equity Multiplier	12.5	9.43	7.01
5yr Average Asset Turnover Ratio	0.08	0.09	0.15
5yr Avg Net Profit Margin	9.39 %	16.69 %	10.11 %
5yr Avg Net Profit Margin	9.39 %	16.69 %	10.11 %
5yr CAGR Net Profit	24.79 %	21.33 %	26.81 %
5yr CAGR Sales	4.45 %	6.59 %	16.51 %
5 yr CAGR PPOP	5.48 %	8.29 %	18.18 %
Price to Book	0.62	0.79	1.14
P/E	5.51	6.0	46.88
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 %	0.0	23.09 %

Business

	Karnataka Bank	Tamilnad Mercantile	Equitas Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 45.45 Corporate Banking 36.24 Treasury Operations 15.7 Other Banking Business 0 Others 2.61	-	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 0 Trade and Business 0 Agricultural 0 Vehicle Finance 0 Commercial Real estate 0 Housing Finance 0 Automobiles 0 Micro Finance 0 NBFC Finance 0 Others 0 Professional and self employed 0 Personal Loan 0 MSE Finance (Working Capital) 0 Infrastructure Loan 0 Textiles 0 Iron & Steel 0 Housing Loan 0 0 Corporate Loans 0 Others 100	Loan Break-Up 0 Trade and Business 0 Agricultural 0 Auto Loans 24.89 Commercial Real estate 0 Housing Finance 12.55 Automobiles 0 Small & Medium Enterprises (SME) loans 11.92 NBFC Finance 1.38 Others 0 Professional and self employed 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 4.45 Infrastructure Loan 0 Textiles 0 Iron & Steel 0 Housing Loan 0 Small & Medium Enterprises (SME) loans 43.13 Corporate Loans 0 Others 1.68
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 India 100.0 Domestic 0 International 0	Location Wise Break-Up Rest of the World 0 India 0 Domestic 100.0 International 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 34.92 Corporate / Wholesale Banking 23.58 Treasury 5.38 Other Banking Business 0 Corporate/Wholesale Banking 0 Others 36.12	Operating Profit Break-Up Corporate / Wholesale Banking 9.95 Other Banking Business 0 Corporate/Wholesale Banking 0 Treasury 7.95 Retail Banking 82.1	Operating Profit Break-Up Corporate / Wholesale Banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0 Treasury 69.0 Retail Banking 20.86 Others 10.14
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 Other banks 0 0 0 Subordinated Debt 0 Reserve Bank of India 0 Other Institutions & Agencies 100.0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 37.29 Corporate / Wholesale Banking 33.69 Treasury 25.5 Others 3.52	-	-
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 Agriculture 8.99 Services 0 Housing 0 Micro, Small and Medium Enterprises 0 Agricultural 0 Industrial & Commercial 0 Personal Loan 0 Others 91.01	NPA Break-Up Agricultural 23.19 Services 0 Housing 23.59 Micro, Small and Medium Enterprises 0 Agricultural 0 Industrial & Commercial 0 Personal Loan 0 Others 53.22
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 Priority Sector 0 Priority Sector 68.23 Non Priority Sector 31.77 Non Priority Sector 0

The Karnataka Bank Ltd.

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