Karur Vysya Bank Ltd.

Financial

	Karur Vysya Bank	RBL Bank	Bandhan Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.86 %	4.5 %	6.4 %
Yield On Advances	10.0 %	12.5 %	12.7 %
Gross NPA	0.66 %	2.78 %	5.0 %
Net NPA	1.03 %	0.45 %	1.4 %
CASA Ratio	27.48 %	32.5 %	27.1 %
CASA vs Liabilities	23.38 %	24.62 %	22.13 %
Credit Deposit Ratio	83.4 %	83.76 %	83.09 %
Cost To Income Ratio	47.24 %	72.4 %	52.1 %
Fresh Slippages - Quarterly	188.0 Crs	1060.0 Crs	1550.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.36 %	15.59 %	19.1 %
Tier 2 Capital	0.19 %	1.54 %	0.8 %
Tier I Capital	16.33 %	14.05 %	18.3 %
NBFC
Cost of Borrowing	5.78 %	6.55 %	7.0 %
Financials
5 yr Average ROE	12.63 %	4.96 %	9.79 %
5yr average Equity Multiplier	10.46	8.54	7.72
5yr Average Asset Turnover Ratio	0.09	0.11	0.12
5yr Avg Net Profit Margin	12.75 %	4.77 %	9.89 %
5yr Avg Net Profit Margin	12.75 %	4.77 %	9.89 %
5yr CAGR Net Profit	40.13 %	20.29 %	4.48 %
5yr CAGR Sales	12.49 %	7.64 %	11.36 %
5 yr CAGR PPOP	19.99 %	2.91 %	1.77 %
Price to Book	1.78	1.02	1.08
P/E	10.57	27.58	12.95
Shareholdings
Promoter Holding	2.1 %	0.0	40.92 %
Share Pledged by Promoters	3.71 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.18 %	0.0	0.93 %
Change in Mutual Fund Holding (3 Yrs)	10.25 %	22.47 %	1.09 %

Business

	Karur Vysya Bank	RBL Bank	Bandhan Bank
Segment Break-Up	Segment Break-Up Consumer Finance 64.95 Corporate Banking 17.83 Treasury Operations 15.06 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Retail banking 0 Others 2.16	Segment Break-Up Treasury Operations 31.53 Corporate Banking 20.76 Retail banking 0 Treasury Operations 0 Consumer Finance 47.13 Consumer Finance 0 Corporate Banking 0 Others 0.58	Segment Break-Up Treasury Operations 13.34 Corporate Banking 8.77 Consumer Finance 76.71 Treasury Operations 0 Retail Banking 0 Consumer Finance 0 Corporate Banking 0 Others 1.18
Loan Break-Up	Loan Break-Up Jewel loan 28.0 Manufacturing 22.0 Personal Loan 13.0 Trading 12.0 CRE 7.0 NBFC 2.0 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 14.0	-	Loan Break-Up NBFC-MFI 0 Jewel loan 0 Manufacturing 0 Trading 0 Bills 0 Microloans 0 NBFC 0 EEB Individual 14.3 CB 27.7 EEB Group 25.2 Mortage 24.4 Retail 8.3 Capital market 0 NBFC-Others 0 CRE 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 0 Others 0.1
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Western 0 Southern 0 Northern 0 Central 0 North Eastern 0 Eastern 0	Location Wise Break-Up Central 0 India 100.0 Southern 0 Northern 0 North Eastern 0 Eastern 0 Rest of the World 0 Western 0	Location Wise Break-Up Central 15.0 India 0 South 16.0 North 10.0 North Eastern 5.0 Eastern 33.0 Rest of the World 0 West 21.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 64.89 Corporate Banking 18.48 Treasury Operations 11.16 Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 5.47	-	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury Operations 65.15 Treasury Operations 0 Retail Banking 20.73 Consumer Finance 0 Corporate Banking 0 Others 14.12
Borrowings Break-Up	Borrowings Break-Up Borrowings in India - Subordinated debt Tier II Capital 41.04 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Other Institutions & agencies 0 Reserve Bank of India 0 Other banks - India 0 Others 58.96	Borrowings Break-Up Tier Ii 7.0 Other banks - India 0 0 Other Institutions & agencies 0 Refinance 51.0 0 Inter-Bank 0 CBLO/LTRO 0 Reserve Bank of India 0 FCY 42.0 LAF 0	Borrowings Break-Up Tier II 0 Other banks - India 5.37 0 Other Institutions & Agencies 53.96 Refinance 0 0 Inter-Bank 0 CBLO/LTRO 0 Reserve Bank of India 0 FCY 0 LAF 0 Others 40.67
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 Treasury 33.67 Retail Banking 36.08 Corporate/Wholesale Banking 28.66 Others 1.59	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 59.3 Priority Sector 40.7 Non-Priority 0 Priority 0 Non Priority Sector Lending 0 Priority sector Lending 0	Priority vs Non-Priority Sector Non Priority Sector 73.91 Priority Sector 26.09 Priority sector Lending 0 Non Priority Sector Lending 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non-Priority 0 Priority 0 Priority Sector 39.5 Non Priority Sector 60.5 Non Priority Sector 0 Priority Sector 0

Karur Vysya Bank Ltd.

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