Karur Vysya Bank Ltd.

Financial

	Karur Vysya Bank	City Union Bank	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.86 %	3.54 %	4.5 %
Yield On Advances	10.0 %	9.81 %	12.5 %
Gross NPA	0.66 %	2.99 %	2.78 %
Net NPA	1.03 %	1.2 %	0.45 %
CASA Ratio	27.48 %	27.31 %	32.5 %
CASA vs Liabilities	23.38 %	25.63 %	24.62 %
Credit Deposit Ratio	83.4 %	82.0 %	83.76 %
Cost To Income Ratio	47.24 %	48.12 %	72.4 %
Fresh Slippages - Quarterly	188.0 Crs	196.3 Crs	1060.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.36 %	23.1 %	15.59 %
Tier 2 Capital	0.19 %	1.01 %	1.54 %
Tier I Capital	16.33 %	22.09 %	14.05 %
NBFC
Cost of Borrowing	5.78 %	4.96 %	6.55 %
Financials
5 yr Average ROE	12.63 %	12.32 %	4.96 %
5yr average Equity Multiplier	10.46	8.8	8.54
5yr Average Asset Turnover Ratio	0.09	0.08	0.11
5yr Avg Net Profit Margin	12.75 %	15.69 %	4.77 %
5yr Avg Net Profit Margin	12.75 %	15.69 %	4.77 %
5yr CAGR Net Profit	40.13 %	13.64 %	20.29 %
5yr CAGR Sales	12.49 %	6.9 %	7.64 %
5 yr CAGR PPOP	19.99 %	2.72 %	2.91 %
Price to Book	1.75	1.67	1.01
P/E	10.43	13.59	27.21
Shareholdings
Promoter Holding	2.1 %	0.0	0.0
Share Pledged by Promoters	3.71 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.18 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	10.25 %	-2.25 %	22.47 %

Business

	Karur Vysya Bank	City Union Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 64.95 Corporate Banking 17.83 Treasury Operations 15.06 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 2.16	Segment Break-Up Retail Banking 0 Treasury Operations 0 Corporate Banking 20.25 Consumer Finance 0 Corporate Banking 0 Treasury Operations 17.6 Treasury 0 Corporate/Wholesale Banking 0 Consumer Finance 59.0 Others 3.15	Segment Break-Up Consumer Finance 47.13 Treasury Operations 0 CORPORATE /WHOLESALE BANKING 0 Consumer Finance 0 Corporate Banking 0 TREASURY 0 Treasury Operations 31.53 Corporate Banking 20.76 RETAIL BANKING 0 Others 0.58
Loan Break-Up	Loan Break-Up Jewel loan 28.0 Manufacturing 22.0 Personal Loan 13.0 Trading 12.0 CRE 7.0 NBFC 2.0 Bills 2.0 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 Loan Collateralized by Deposits 0 MSME Sector 40.83 Wholesale Traders 1.69 Jewel loan 0 Commercial Real Estate 6.88 Capital market 0 Retail 1.21 Home loans 4.74 Manufacturing 0 NBFC 0 Agricultural 16.56 Infra structural Nonagriculture,NBFC 15.83 Bills 0 Personal Loan 0 CRE 0 Large Industries 0.9 Trading 0 Others 11.36	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 64.89 Corporate Banking 18.48 Treasury Operations 11.16 Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 5.47	Operating Profit Break-Up Corporate / Wholesale Banking 10.25 Treasury Operations 0 Consumer Finance 0 Corporate Banking 0 Treasury 32.76 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 LAF 0 Tier II 0 0 Refinance 0 CBLO/LTRO 0 Inter-Bank 0 Reserve Bank of India 17.47 FCY 0 Others 82.53	Borrowings Break-Up 0 LAF 0 Tier Ii 7.0 0 Refinance 51.0 CBLO/LTRO 0 Inter-Bank 0 Reserve Bank of India 0 FCY 42.0
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 Corporate/Wholesale Banking 0 Treasury 0 Retail Banking 0 Others 100	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 28.66 Treasury 33.67 Retail Banking 36.08 Others 1.59
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 Priority Sector 58.96 Priority 0 Non Priority Sector 41.04 Non-Priority 0	Priority vs Non-Priority Sector Priority Sector 0 Priority Sector 26.09 Non Priority Sector 0 Non Priority Sector 73.91

Karur Vysya Bank Ltd.

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