The Karnataka Bank Ltd.

Financial

	Karnataka Bank	Tamilnad Mercantile	Equitas Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	2.82 %	3.84 %	6.55 %
Yield On Advances	9.28 %	10.02 %	16.01 %
Gross NPA	3.46 %	1.22 %	2.82 %
Net NPA	1.44 %	0.33 %	0.95 %
CASA Ratio	30.84 %	26.78 %	29.0 %
CASA vs Liabilities	29.8 %	21.35 %	23.86 %
Credit Deposit Ratio	71.93 %	83.86 %	78.28 %
Cost To Income Ratio	58.05 %	49.1 %	70.62 %
Fresh Slippages - Quarterly	401.29 Crs	22.04 Crs	452.77 Crs
Capital to Risks Assets Ratio (CRAR)	20.5 %	31.55 %	20.48 %
Tier 2 Capital	1.6 %	1.56 %	3.32 %
Tier I Capital	18.9 %	29.99 %	17.16 %
NBFC
Cost of Borrowing	5.77 %	6.02 %	7.49 %
Financials
5 yr Average ROE	11.75 %	15.18 %	9.79 %
5yr average Equity Multiplier	11.71	8.76	7.34
5yr Average Asset Turnover Ratio	0.08	0.09	0.14
5yr Avg Net Profit Margin	10.75 %	18.5 %	8.86 %
5yr Avg Net Profit Margin	10.75 %	18.5 %	8.86 %
5yr CAGR Net Profit	21.41 %	14.41 %	-17.48 %
5yr CAGR Sales	6.13 %	7.62 %	14.86 %
5 yr CAGR PPOP	-0.86 %	7.75 %	8.52 %
Price to Book	0.55	0.74	1.05
P/E	5.73	5.75	0.0
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	0.0	-74.52 %
Change in Mutual Fund Holding (3 Yrs)	8.3 %	0.0	28.47 %

Business

	Karnataka Bank	Tamilnad Mercantile	Equitas Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 46.12 Corporate Banking 31.6 Treasury Operations 19.19 Other Banking Business 0 Others 3.09	-	Segment Break-Up Consumer Finance 0 Other Banking Business 0 Corporate Banking 0 Treasury Operations 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 Iron & Steel 0 Commercial Real estate 0 Vehicle Finance 0 Agricultural 0 Housing Finance 0 Micro Finance 0 0 Automobiles 0 Corporate Loans 0 Textiles 0 MSE Finance (Working Capital) 0 Housing Loan 0 Trade and Business 0 Personal Loan 0 0 NBFC Finance 0 Others 0 Professional and self employed 0 Infrastructure Loan 0 Others 100	Loan Break-Up Iron & Steel 0 Commercial Real estate 0 Auto Loans 24.3 Agricultural 0 Housing Finance 12.45 Small & Medium Enterprises (SME) loans 17.13 0 Automobiles 0 Corporate Loans 0 Textiles 0 Small & Medium Enterprises (SME) loans 3.54 Housing Loan 0 Trade and Business 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 39.42 NBFC Finance 1.84 Others 0 Professional and self employed 0 Infrastructure Loan 0 Others 1.32
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up Rest of the World 0 India 100.0 Domestic 0 International 0	Location Wise Break-Up Rest of the World 0 India 0 Domestic 100.0 International 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 56.47 Corporate / Wholesale Banking 25.18 Treasury 18.35 Other Banking Business 0 Corporate/Wholesale Banking 0	Operating Profit Break-Up Corporate / Wholesale Banking 8.49 Treasury 26.92 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 64.59	Operating Profit Break-Up Corporate / Wholesale Banking 0 Treasury 80.09 Other Banking Business 19.9 Corporate/Wholesale Banking 0.01 Retail Banking 0
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 Subordinated Debt 0 0 Reserve Bank of India 0 Other banks 0 Other Institutions & Agencies 100.0 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 39.15 Treasury 29.06 Corporate / Wholesale Banking 28.78 Others 3.01	-	-
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 Industrial & Commercial 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Housing 0 Personal Loan 0 Agriculture 9.14 Others 90.86	NPA Break-Up Services 0 Industrial & Commercial 0 Agricultural 0 Micro, Small and Medium Enterprises 0 Housing 19.56 Personal Loan 0 Agricultural 19.53 Others 60.91
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 Priority Sector 72.92 Non Priority Sector 27.08 Non Priority Sector 0 Priority Sector 0

The Karnataka Bank Ltd.

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