The Karnataka Bank Ltd.

Financial

	Karnataka Bank	Equitas Small Fin.	Tamilnad Mercantile
Operational Metrics
Banking Sector
Net Interest Margin	3.02 %	7.39 %	4.0 %
Yield On Advances	9.37 %	16.55 %	10.17 %
Gross NPA	3.11 %	2.97 %	1.32 %
Net NPA	1.39 %	0.96 %	0.41 %
CASA Ratio	30.32 %	29.0 %	27.36 %
CASA vs Liabilities	25.93 %	23.25 %	21.3 %
Credit Deposit Ratio	77.77 %	86.86 %	86.62 %
Cost To Income Ratio	60.09 %	68.3 %	46.31 %
Fresh Slippages - Quarterly	292.69 Crs	585.76 Crs	54.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.64 %	20.29 %	29.35 %
Tier 2 Capital	1.64 %	2.79 %	1.47 %
Tier I Capital	16.0 %	17.5 %	27.88 %
NBFC
Cost of Borrowing	5.69 %	7.49 %	5.9 %
Financials
5 yr Average ROE	11.0 %	11.25 %	14.53 %
5yr average Equity Multiplier	12.5	7.01	9.43
5yr Average Asset Turnover Ratio	0.08	0.15	0.09
5yr Avg Net Profit Margin	9.39 %	10.11 %	16.69 %
5yr Avg Net Profit Margin	9.39 %	10.11 %	16.69 %
5yr CAGR Net Profit	24.79 %	26.81 %	21.33 %
5yr CAGR Sales	4.45 %	16.51 %	6.59 %
5 yr CAGR PPOP	5.48 %	18.18 %	8.29 %
Price to Book	0.64	1.31	0.83
P/E	5.74	24.86	6.11
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	-74.59 %	0.0
Change in Mutual Fund Holding (3 Yrs)	8.31 %	23.09 %	0.0

Business

	Karnataka Bank	Equitas Small Fin.	Tamilnad Mercantile
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 Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Other Banking Business 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 Corporate Loans 0 Agricultural 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 4.01 Textiles 0 Automobiles 0 Auto Loans 24.8 NBFC Finance 0 Small & Medium Enterprises (SME) loans 14.38 Professional and self employed 0 Small & Medium Enterprises (SME) loans 41.68 Trade and Business 0 Iron & Steel 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Finance 12.22 Others 0 0 Housing Loan 0 Others 2.91	Loan Break-Up Corporate Loans 0 Agricultural 0 Personal Loan 0 MSE Finance (Working Capital) 0 Textiles 0 Automobiles 0 Vehicle Finance 0 NBFC Finance 0 Micro Finance 0 Professional and self employed 0 0 Trade and Business 0 Iron & Steel 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Finance 0 Others 0 0 Housing Loan 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up Domestic 100.0 Rest of the World 0 India 0 International 0	Location Wise Break-Up Domestic 0 Rest of the World 0 India 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 Treasury 49.39 Retail Banking 18.38 Corporate/Wholesale Banking 4.7 Other Banking Business 27.53 Corporate / Wholesale Banking 0	Operating Profit Break-Up Treasury 16.42 Retail Banking 73.34 Corporate/Wholesale Banking 0 Other Banking Business 0 Corporate / Wholesale Banking 10.25
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 0 Other Institutions & Agencies 100.0 Subordinated Debt 0 Reserve Bank of India 0 Other banks 0 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 Services 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Industrial & Commercial 0 Housing 23.59 Agricultural 23.19 Personal Loan 0 Others 53.22	NPA Break-Up Services 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Industrial & Commercial 0 Housing 0 Agriculture 9.72 Personal Loan 0 Others 90.28
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 Non Priority Sector 31.77 Priority Sector 68.23 Non Priority Sector 0 Priority Sector 0	-

The Karnataka Bank Ltd.

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