Karur Vysya Bank Ltd.

Financial

	Karur Vysya Bank	City Union Bank	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.05 %	3.6 %	4.89 %
Yield On Advances	10.21 %	9.93 %	13.0 %
Gross NPA	0.76 %	3.09 %	2.6 %
Net NPA	0.2 %	1.25 %	0.29 %
CASA Ratio	27.27 %	28.52 %	34.1 %
CASA vs Liabilities	23.32 %	23.34 %	25.77 %
Credit Deposit Ratio	82.29 %	84.0 %	83.49 %
Cost To Income Ratio	47.77 %	48.21 %	66.4 %
Fresh Slippages - Quarterly	179.0 Crs	259.5 Crs	1058.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.17 %	23.75 %	15.54 %
Tier 2 Capital	1.05 %	1.05 %	1.48 %
Tier I Capital	17.12 %	22.7 %	14.06 %
NBFC
Cost of Borrowing	5.75 %	4.95 %	6.6 %
Financials
5 yr Average ROE	9.81 %	11.69 %	4.96 %
5yr average Equity Multiplier	10.53	9.04	8.54
5yr Average Asset Turnover Ratio	0.09	0.09	0.11
5yr Avg Net Profit Margin	10.04 %	14.32 %	4.77 %
5yr Avg Net Profit Margin	10.04 %	14.32 %	4.77 %
5yr CAGR Net Profit	46.85 %	16.35 %	20.29 %
5yr CAGR Sales	6.66 %	4.4 %	7.64 %
5 yr CAGR PPOP	9.95 %	2.49 %	2.91 %
Price to Book	1.67	1.49	0.89
P/E	10.25	12.59	19.39
Shareholdings
Promoter Holding	2.11 %	0.0	0.0
Share Pledged by Promoters	3.69 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.17 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	11.7 %	-2.64 %	4.04 %

Business

	Karur Vysya Bank	City Union Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 65.62 Corporate Banking 17.75 Treasury Operations 15.29 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 1.34	Segment Break-Up Treasury Operations 17.6 Treasury 0 Corporate Banking 0 Consumer Finance 59.0 Consumer Finance 0 Corporate/Wholesale Banking 0 Corporate Banking 20.25 Treasury Operations 0 Retail Banking 0 Others 3.15	Segment Break-Up TREASURY 0 Treasury Operations 28.94 Corporate Banking 0 RETAIL BANKING 0 Consumer Finance 0 Corporate Banking 21.07 CORPORATE /WHOLESALE BANKING 0 Treasury Operations 0 Consumer Finance 48.81 Others 1.18
Loan Break-Up	Loan Break-Up Jewel loan 27.0 Manufacturing 22.0 Personal Loan 14.0 Trading 12.0 CRE 7.0 NBFC 3.0 Bills 1.0 Capital market 0 Infra structural Nonagriculture,NBFC 0 Loan Collateralized by Deposits 0 Retail Traders 0 Commercial Real Estate 0 Housing Loans 0 Large Industries 0 Wholesale Traders 0 Agriculture 0 MSME 0 Others 14.0	Loan Break-Up Bills 0 Loan Collateralized by Deposits 0 Personal Loan 0 Jewel loan 0 Home loans 4.74 NBFC 0 Capital market 0 MSME Sector 40.83 Manufacturing 0 Large Industries 0.9 Wholesale Traders 1.69 Infra structural Nonagriculture,NBFC 15.83 Retail 1.21 Trading 0 Commercial Real Estate 6.88 Agricultural 16.56 CRE 0 Others 11.36	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 67.1 Corporate Banking 18.15 Treasury Operations 11.36 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 3.39	Operating Profit Break-Up Treasury 32.76 Corporate Banking 0 Consumer Finance 0 Corporate / Wholesale Banking 10.25 Treasury Operations 0 Retail Banking 44.02 Others 12.97	-
Borrowings Break-Up	Borrowings Break-Up Borrowings in India - Subordinated debt Tier II Capital 41.04 0 Reserve Bank of India 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 58.96	Borrowings Break-Up 0 FCY 0 LAF 0 Inter-Bank 0 Reserve Bank of India 28.62 Refinance 0 Tier II 0 0 CBLO/LTRO 0 Others 71.38	Borrowings Break-Up 0 FCY 42.0 LAF 0 Inter-Bank 0 Reserve Bank of India 0 Refinance 51.0 Tier Ii 7.0 0 CBLO/LTRO 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 Treasury 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 100	Asset Break-Up - Segment Wise Treasury 33.98 Corporate/Wholesale Banking 28.15 Retail Banking 36.27 Others 1.6
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 59.3 Priority Sector 40.7 Non Priority Sector 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 42.1 Non-Priority 0 Priority 0 Priority Sector 57.9	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 73.91 Priority Sector 26.09 Priority Sector 0

Karur Vysya Bank Ltd.

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