Karur Vysya Bank Ltd. benchmarking: Performance to industry peers

Financial

	Karur Vysya Bank	Bandhan Bank	RBL Bank
Operational Metrics
Banks
Net Interest Margin	3.99 %	5.9 %	4.63 %
Yield On Advances	9.77 %	11.9 %	12.13 %
Gross NPA	0.71 %	3.3 %	1.88 %
Net NPA	0.19 %	1.0 %	0.55 %
CASA Ratio	27.23 %	27.3 %	30.9 %
CASA vs Liabilities	23.02 %	21.81 %	23.5 %
Credit Deposit Ratio	84.25 %	90.03 %	86.13 %
Cost To Income Ratio	42.49 %	57.2 %	66.3 %
Fresh Slippages - Quarterly	154.0 Crs	1310.0 Crs	909.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.05 %	17.3 %	14.94 %
Tier 2 Capital	0.99 %	0.8 %	1.49 %
Tier I Capital	15.06 %	16.5 %	13.45 %
NBFC
Cost of Borrowing	5.47 %	6.7 %	6.15 %
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	2.03	0.99	1.22
P/E	11.32	24.41	27.3
Shareholdings
Promoter Holding	2.07 %	39.74 %	0.0
Share Pledged by Promoters	3.77 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.18 %	-0.25 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.59 %	3.79 %	19.96 %

Business

	Karur Vysya Bank	Bandhan Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 66.13 Corporate Banking 17.85 Treasury Operations 14.76 Corporate/Wholesale Banking 0 Treasury 0 Retail banking 0 Retail Banking 0 Others 1.26	Segment Break-Up Consumer Finance 77.87 Treasury Operations 10.34 Consumer Finance 0 Treasury Operations 0 Retail Banking 0 Corporate Banking 9.98 Corporate Banking 0 Others 1.81	Segment Break-Up Retail banking 0 Treasury Operations 28.95 Consumer Finance 0 Treasury Operations 0 Consumer Finance 48.55 Corporate Banking 21.63 Corporate Banking 0 Others 0.87
Loan Break-Up	Loan Break-Up Jewel loan 28.0 Manufacturing 21.0 Personal Loan 12.0 Trading 12.0 CRE 7.0 NBFC 3.0 Bills 2.0 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 Trading 0 NBFC-Others 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 0 Retail 9.5 CRE 0 Bills 0 NBFC-MFI 0 Manufacturing 0 Microloans 0 EEB Group 22.4 Mortage 23.2 NBFC 0 CB 31.4 EEB Individual 12.1 Jewel loan 0 Capital market 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 India 0 South 17.0 Rest of the World 0 West 22.0 Eastern 33.0 North 9.0 North Eastern 5.0	Location Wise Break-Up Central 0 India 100.0 Southern 0 Rest of the World 0 Western 0 Eastern 0 Northern 0 North Eastern 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 69.21 Corporate Banking 18.77 Treasury Operations 9.04 Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 2.98	Operating Profit Break-Up Consumer Finance 0 Treasury Operations 100.0 Treasury Operations 0 Retail Banking 0 Corporate/Wholesale Banking 0 Corporate Banking 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 Reserve Bank of India 0 Tier II 0 FCY 0 Inter-Bank 0 LAF 0 Refinance 0 CBLO/LTRO 0 Other banks - India 5.37 0 0 Other Institutions & Agencies 53.96 Others 40.67	Borrowings Break-Up Reserve Bank of India 0 Tier Ii 7.0 FCY 42.0 Inter-Bank 0 LAF 0 Refinance 51.0 CBLO/LTRO 0 Other banks - India 0 0 0 Other Institutions & agencies 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 Corporate/Wholesale Banking 31.42 Treasury 31.76 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 Priority 0 Non-Priority 0 Priority Sector 39.5 Non Priority Sector 0 Non Priority Sector 60.5 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 25.06 Non Priority Sector 74.94 Priority sector Lending 0 Non Priority Sector 0 Non Priority Sector Lending 0 Priority Sector 0

Karur Vysya Bank Ltd.

Karur Vysya Bank Ltd.

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