Karur Vysya Bank Ltd.

Financial

	Karur Vysya Bank	City Union Bank	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.03 %	3.59 %	4.04 %
Yield On Advances	10.16 %	8.01 %	9.75 %
Gross NPA	0.83 %	3.36 %	4.08 %
Net NPA	0.2 %	1.42 %	0.94 %
CASA Ratio	28.41 %	30.63 %	48.17 %
CASA vs Liabilities	24.21 %	26.58 %	41.97 %
Credit Deposit Ratio	83.0 %	87.0 %	68.1 %
Cost To Income Ratio	47.27 %	48.64 %	57.28 %
Fresh Slippages - Quarterly	139.0 Crs	555.4 Crs	321.52 Crs
Capital to Risks Assets Ratio (CRAR)	15.91 %	22.26 %	15.09 %
Tier 2 Capital	0.88 %	0.97 %	2.38 %
Tier I Capital	15.03 %	21.29 %	12.71 %
NBFC
Cost of Borrowing	5.66 %	4.81 %	4.76 %
Financials
5 yr Average ROE	9.81 %	11.69 %	5.65 %
5yr average Equity Multiplier	10.53	9.04	15.68
5yr Average Asset Turnover Ratio	0.09	0.09	0.07
5yr Avg Net Profit Margin	10.04 %	14.32 %	4.73 %
5yr Avg Net Profit Margin	10.04 %	14.32 %	4.73 %
5yr CAGR Net Profit	46.85 %	16.35 %	n/a
5yr CAGR Sales	6.66 %	4.4 %	6.12 %
5 yr CAGR PPOP	9.95 %	2.49 %	9.02 %
Price to Book	1.66	1.5	0.86
P/E	9.6	12.19	5.55
Shareholdings
Promoter Holding	2.11 %	0.0	59.4 %
Share Pledged by Promoters	3.69 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.17 %	0.0	-10.72 %
Change in Mutual Fund Holding (3 Yrs)	11.7 %	-2.64 %	3.67 %

Business

	Karur Vysya Bank	City Union Bank	J&K 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 Retail Banking 0 Corporate/Wholesale Banking 0 Others 1.34	Segment Break-Up Retail Banking 0 Corporate Banking 20.22 Corporate/Wholesale Banking 0 Consumer Finance 59.48 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Treasury Operations 18.8 Others 1.5	Segment Break-Up Consumer Finance 59.11 CORPORATE /WHOLESALE BANKING 0 Corporate Banking 17.77 RETAIL BANKING 0 Consumer Finance 0 Treasury Operations 22.55 Corporate Banking 0 TREASURY 0 Others 0.57
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 Trade 0 Personal 0 SME 0 Corporate 0 Others 14.0	Loan Break-Up Jewel loan 0 Loan Collateralized by Deposits 0 Retail 1.15 Manufacturing 0 Commercial Real Estate 6.25 Infra structural Nonagriculture,NBFC 15.26 Trade 0 NBFC 0 Wholesale Traders 1.87 Corporate 0 Personal Loan 0 Capital market 0 MSME Sector 39.3 Agricultural 17.87 CRE 0 Personal 0 Trading 0 Home loans 4.76 Bills 0 SME 0 Large Industries 1.18 Others 12.36	Loan Break-Up Jewel loan 0 Loan Collateralized by Deposits 0 Retail Traders 0 Manufacturing 0 Commercial Real Estate 0 Infra structural Nonagriculture,NBFC 0 Trading 10.0 NBFC 0 Wholesale Traders 0 Corporate 26.0 Personal Loan 0 Capital market 0 MSME 0 Agricultural 10.0 CRE 0 Personal 40.0 Trading 0 Housing Loans 0 Bills 0 SME 12.0 Large Industries 0 Others 2.0
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 Retail Banking 41.89 Treasury 40.07 Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate / Wholesale Banking 12.8 Others 5.24	Operating Profit Break-Up Retail Banking 57.55 Treasury 0 Consumer Finance 0 Treasury Operations 5.44 Corporate Banking 0 Corporate / Wholesale Banking 0 Others 37.01
Borrowings Break-Up	Borrowings Break-Up Borrowings in India - Subordinated debt Tier II Capital 41.04 0 Reserve Bank of India 0 Unsecured Redeemable Debentures/Bonds 0 Others 58.96	Borrowings Break-Up 0 Reserve Bank of India 28.62 Unsecured Redeemable Debentures/Bonds 0 0 Others 71.38	Borrowings Break-Up 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 99.86 0 Others 0.14
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	Asset Break-Up - Segment Wise Others 100	Asset Break-Up - Segment Wise Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 59.3 Priority Sector 40.7 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 57.9 Non Priority Sector 42.1	Priority vs Non-Priority Sector Priority Sector 37.2 Non Priority Sector 62.8

Karur Vysya Bank Ltd.

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