Karur Vysya Bank Ltd.

Financial

	Karur Vysya Bank	Jana Small Fin. Bank	CSB Bank
Operational Metrics
Banking Sector
Net Interest Margin	4.32 %	9.0 %	5.04 %
Yield On Advances	10.16 %	18.09 %	11.77 %
Gross NPA	1.58 %	2.0 %	1.47 %
Net NPA	0.42 %	0.5 %	0.51 %
CASA Ratio	32.0 %	20.0 %	27.2 %
CASA vs Liabilities	26.65 %	13.81 %	22.42 %
Credit Deposit Ratio	83.81 %	n/a	81.89 %
Cost To Income Ratio	50.27 %	56.22 %	60.86 %
Fresh Slippages - Quarterly	197.0 Crs	n/a	122.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.39 %	20.3 %	24.47 %
Tier 2 Capital	1.52 %	2.55 %	1.37 %
Tier I Capital	13.87 %	19.0 %	23.1 %
NBFC
Cost of Borrowing	5.3 %	7.8 %	5.73 %
Financials
5 yr Average ROE	7.03 %	-31.49 %	4.69 %
5yr average Equity Multiplier	10.58	15.15	10.16
5yr Average Asset Turnover Ratio	0.09	0.15	0.09
5yr Avg Net Profit Margin	7.4 %	-26.21 %	7.66 %
5yr Avg Net Profit Margin	7.4 %	-26.21 %	7.66 %
5yr CAGR Net Profit	39.3 %	n/a	n/a
5yr CAGR Sales	2.52 %	22.01 %	12.18 %
5 yr CAGR PPOP	7.67 %	n/a	121.19 %
Price to Book	1.78	1.94	1.67
P/E	10.97	10.38	11.18
Shareholdings
Promoter Holding	2.2 %	22.54 %	49.72 %
Share Pledged by Promoters	6.7 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.07 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	11.58 %	0.0	6.54 %

Business

	Karur Vysya Bank	Jana Small Fin. Bank	CSB Bank
Segment Break-Up	Segment Break-Up Consumer Finance 65.57 Corporate Banking 18.13 Treasury Operations 15.33 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Corporate/ Wholesale Banking 0 Others 0.97	Segment Break-Up Corporate Banking 0 Corporate/ Wholesale Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 3.08 Retail Banking 78.71 Treasury 16.74 Others 1.47	Segment Break-Up Corporate Banking 0 Corporate Banking 23.49 Treasury Operations 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Consumer Finance 59.14 Treasury Operations 14.34 Others 3.03
Loan Break-Up	Loan Break-Up Jewel loan 25.0 Manufacturing 23.0 Personal Loan 15.0 Trading 13.0 CRE 6.0 NBFC 4.0 Bills 2.0 Capital market 0 Unsecured working capital 0 Group loans 0 Agricultural and allied loans 0 Individual and micro business loans 0 Gold loans 0 Two-wheeler 0 Loans against fixed deposits 0 Term loans 0 Affordable 0 MSME loans 0 Micro LAP 3 0 Gold Loans 0 SME Loans 0 MSME Loans 0 Corporate Loans 0 Retail Loans 0 Two Wheeler Loans 0 Assignment Loans 0 LCBD & TReDS 0 Agri& MFI Loans 0 Others 12.0	Loan Break-Up Individual and micro business loans 22.24 Affordable 13.86 Unsecured working capital 0.24 Jewel loan 0 MSME loans 14.63 Agri& MFI Loans 0 Gold loans 1.27 NBFC 0 Two-wheeler 1.56 Two Wheeler Loans 0 Gold Loans 0 Retail Loans 0 Term loans 6.51 Micro LAP 3 18.13 LCBD & TReDS 0 MSME Loans 0 Manufacturing 0 Agricultural and allied loans 16.93 Bills 0 Corporate Loans 0 Group loans 3.17 SME Loans 0 Assignment Loans 0 CRE 0 Capital market 0 Trading 0 Personal Loan 0 Loans against fixed deposits 1.45 Others 0.01	Loan Break-Up Individual and micro business loans 0 Affordable 0 Unsecured working capital 0 Jewel loan 0 MSME loans 0 Agri& MFI Loans 0 Gold loans 0 NBFC 0 Two-wheeler 0 Two Wheeler Loans 0 Gold Loan 47.0 Consumer Finance 13.0 Term loans 0 Micro LAP 3 0 LCBD & TReDS 0 MSME Loans 0 Manufacturing 0 Agricultural and allied loans 0 Bills 0 Corporate Banking 30.0 Group loans 0 Small & Medium Enterprises (SME) loans 10.0 Assignment Loans 0 CRE 0 Capital market 0 Trading 0 Personal Loan 0 Loans against fixed deposits 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Andhra Pradesh 0 Karnataka 0 Maharashtra 0 Tamilnadu 0 Kerala 0	-	Location Wise Break-Up Kerala 24.0 Karnataka 6.0 Andhra Pradesh 7.0 Maharashtra 23.0 India 0 Tamil Nadu 27.0 Others 13.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 66.1 Corporate Banking 17.85 Treasury Operations 13.62 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Others 2.43	Operating Profit Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate/Wholesale Banking 8.04 Retail Banking 55.04 Treasury 12.88 Others 24.04	-
Borrowings Break-Up	Borrowings Break-Up Borrowings in India - Subordinated debt Tier II Capital 34.01 0 Other institutions and agencies 0 Reserve Bank of India (Repo) 0 Others 65.99	-	Borrowings Break-Up 0 0 Reserve Bank of India (Repo) 0 Other institutions and agencies 100.0
Asset Break-Up - Segment Wise	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 57.99 Priority Sector 42.01 Personal loan & Housing loans 0 Services 0 Industry Sector 0 Agricultural and Allied Activities 0 Non Priority Sector 0	Priority vs Non-Priority Sector Services 16.92 Priority Sector 0 Industry Sector 8.0 Agricultural and Allied Activities 23.35 Non Priority Sector 0 Personal loan & Housing loans 51.74	Priority vs Non-Priority Sector Services 0 Priority Sector 53.96 Industry Sector 0 Agricultural and Allied Activities 0 Non Priority Sector 46.04 Personal loan & Housing loans 0

Karur Vysya Bank Ltd.

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