Karur Vysya Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Karur Vysya Bank	Bandhan Bank	RBL Bank
Operational Metrics
Banks
Net Interest Margin	3.77 %	5.8 %	4.51 %
Yield On Advances	9.76 %	12.1 %	12.26 %
Gross NPA	0.76 %	5.0 %	2.32 %
Net NPA	0.19 %	1.4 %	0.57 %
CASA Ratio	27.65 %	28.0 %	31.9 %
CASA vs Liabilities	23.48 %	22.7 %	24.15 %
Credit Deposit Ratio	83.43 %	85.15 %	86.19 %
Cost To Income Ratio	42.63 %	58.2 %	70.7 %
Fresh Slippages - Quarterly	350.0 Crs	1590.0 Crs	925.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.58 %	18.2 %	15.02 %
Tier 2 Capital	1.0 %	0.8 %	1.51 %
Tier I Capital	15.58 %	17.4 %	13.51 %
NBFC
Cost of Borrowing	5.63 %	6.9 %	6.23 %
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	1.88	1.0	1.25
P/E	11.43	20.17	37.22
Shareholdings
Promoter Holding	2.1 %	40.29 %	0.0
Share Pledged by Promoters	3.71 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.16 %	0.3 %	0.0
Change in Mutual Fund Holding (3 Yrs)	10.07 %	1.47 %	21.66 %

Business

	Karur Vysya Bank	Bandhan Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 64.17 Corporate Banking 17.37 Treasury Operations 17.36 Corporate/Wholesale Banking 0 Treasury 0 Retail banking 0 Retail Banking 0 Others 1.1	Segment Break-Up Corporate Banking 8.77 Consumer Finance 76.71 Corporate Banking 0 Retail Banking 0 Treasury Operations 0 Consumer Finance 0 Treasury Operations 13.34 Others 1.18	Segment Break-Up Corporate Banking 21.7 Retail banking 0 Corporate Banking 0 Consumer Finance 49.19 Treasury Operations 0 Consumer Finance 0 Treasury Operations 28.34 Others 0.77
Loan Break-Up	Loan Break-Up Jewel loan 28.0 Manufacturing 21.0 Personal Loan 13.0 Trading 12.0 CRE 7.0 NBFC 2.0 Bills 1.0 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 16.0	Loan Break-Up Manufacturing 0 Personal Loan 0 NBFC-MFI 0 Retail 8.3 EEB Group 25.2 Trading 0 CB 27.7 EEB Individual 14.3 NBFC-Others 0 Jewel loan 0 Microloans 0 Bills 0 Capital market 0 Small & Medium Enterprises (SME) loans 0 CRE 0 NBFC 0 Mortage 24.4 Others 0.1	-
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 North 10.0 Rest of the World 0 West 21.0 Central 15.0 Eastern 33.0 South 16.0 North Eastern 5.0 India 0	Location Wise Break-Up Northern 0 Rest of the World 0 Western 0 Central 0 Eastern 0 Southern 0 North Eastern 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 62.35 Treasury Operations 17.42 Corporate Banking 17.32 Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 0 Others 2.91	Operating Profit Break-Up Corporate/Wholesale Banking 0 Corporate Banking 0 Retail Banking 20.73 Treasury Operations 0 Consumer Finance 0 Treasury Operations 65.15 Others 14.12	-
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 CBLO/LTRO 0 0 Refinance 0 Other Institutions & Agencies 53.96 LAF 0 Inter-Bank 0 FCY 0 0 Tier II 0 Other banks - India 5.37 Reserve Bank of India 0 Others 40.67	Borrowings Break-Up CBLO/LTRO 0 0 Refinance 51.0 Other Institutions & agencies 0 LAF 0 Inter-Bank 0 FCY 42.0 0 Tier Ii 7.0 Other banks - India 0 Reserve Bank of India 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 Corporate/Wholesale Banking 30.97 Retail Banking 35.55 Treasury 32.18 Others 1.3
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 Non Priority Sector 0 Non-Priority 0 Priority 0 Priority Sector 0 Priority Sector 39.5 Non Priority Sector 60.5	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 74.94 Priority Sector 25.06 Priority Sector 0 Priority sector Lending 0 Non Priority Sector Lending 0

Karur Vysya Bank Ltd.

Karur Vysya Bank Ltd.

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