Classification | INTERNAL

Investor Presentation

Q1 FY 2024
Classification | INTERNAL

Disclaimer

This presentation has been prepared by Karur Vysya Bank Limited (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete
description of the Bank and the information contained herein is only current as of its date and has not been verified by anyone else. All financial numbers are based on the
Audited Financials or the Reviewed Financial results or based on Management estimates. Figures for the previous period(s) have been regrouped wherever necessary; totals in
columns / rows may not agree due to rounding off. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material
information concerning the Bank.

This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person / entity based in India or
in any other country. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or
subscribe for any securities.

This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that
could cause actual results to differ materially from those contemplated. Factors that could cause actual results to differ materially include, inter-alia, changes or developments
in the Bank’s business, political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to
place undue reliance on these forward-looking statements. Except as otherwise stated, all of the information contained herein is indicative and is based on management
information, current plans and estimates / projections. Any opinion, estimate or projection in the presentation constitutes a judgment as of the date of this presentation and
there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.
No representation or warranty, express or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of the information or
opinions contained in this presentation. Further, past performance is not necessarily indicative of future results. Anyone placing reliance on the information contained in this
presentation or any other communication by the Bank does so at his / her / their own risk. Neither the Bank nor anyone else shall be liable for any loss or damage caused
pursuant to any act or omission based on or in reliance upon the information contained in the presentation.

The Bank may, at its sole discretion, alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify anyone of such change(s).
This presentation is not to be distributed, redistributed, copied or disseminated in any manner whatsoever, either directly or indirectly.

Forward-looking statements speak only as of the date they are made, and the Bank undertakes no obligation to update any forward-looking statement to reflect the impact of
circumstances or events that arise after the date the forward-looking statement was made.

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Classification | INTERNAL

Quarter

In focus
 Classification | INTERNAL

Strong presence in India’s fast growing hinterland

Category 30.06.23 31.03.23 31.03.22

Branches 808 799 789

ATM’s + Cash Recyclers 2,240 2,240 2,223 1

5
1
12
6
No. of
Category BBU* CBU* DBU* Other offices^
Branches 1 6
1
Metro 205 10 9 1 13
15 4 1 14
Urban 160 3 - - -
1
Semi Urban 315 1 - - - 5
25
Rural 128 - - - -
62
Total 808 14 9 1 13
BC Outlets 150 1
51 132
*BBU – Business Banking Unit No.of Branches
*CBU – Corporate Business Unit
Metro 7
*DBU – Digital Banking Unit
16% 436
^ Other offices - Asset Recovery Branches, NEO , PMD and 25% Urban 21
KVB Smart
Semi Urban

20% Rural
39%

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Classification | INTERNAL (Rs. crore)

Key Highlights

Business Advances Deposits CASA

1,47,671 68,636* 80,715 26,549

17 % YoY 4 % QoQ 14 % YoY 5 % QoQ 2 % YoY 4 % QoQ
14 % YoY 5% QoQ
* before Write Off

NIM PPOP Net Profit ROA

4.19 648 359 1.53%
34bps YOY 18bps QoQ 36% YoY 12 % QoQ 57% YoY 6% QoQ 44bps YoY 3 bps QoQ

ROE GNPA NNPA PCR

16.05 % 1.99 0.59 93.41
329 bps YoY 134 bps YoY 1067 bps YoY
436 bps YoY 1 bps QoQ 28 bps QoQ 15 bps QoQ 127 bps QoQ

Based on RBI Master Direction on financial statements – Presentation and Disclosures issued on August 30, 2021 (Updated as on February 20, 2023), Interest accrued but not due on
advances and deposits have been reclassified under Other Assets and Other Liabilities and Provisions . There is no change in the Net Profit / Loss for the previous periods, the figures have
been reclassified as appropriate to make them comparable with the figures of the current period.

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Classification | INTERNAL

Key Ratios (Quarter)

Particulars Jun 23 Jun 22 Mar 23

Cost of Deposits (%) 4.96 4.10 4.61
Yield on Advances (%) 9.69 8.35 9.55
Cost of Funds (%) 4.99 4.13 4.64
Yield on Funds (%) 8.45 7.33 8.32
Net Interest Margin (%) 4.19 3.85 4.37
Spread (%) 3.46 3.20 3.67
Cost to income (%) 47.29 49.68 42.86
Return on Equity (%) 16.05 11.69 16.04
Return on Asset (%) 1.53 1.09 1.50
EPS (Rs.) * 4.47 2.86 4.21

* Not annualized
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Classification | INTERNAL

Key Ratios (Quarter)

ROA ROE
1.50 1.53
1.32 16.04 16.05
1.09 1.16 14.04
11.69 12.59

Jun-22 Sep-22 Dec-22 Mar-23 Jun-23

Jun-22 Sep-22 Dec-22 Mar-23 Jun-23
NIM
4.36 4.37 Cost to Income
49.68
4.19 47.29
4.10 46.16

3.85 42.90 42.86

Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23
* Not annualized
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Classification | INTERNAL (Rs. crore)

Profit & Loss Statement

Particulars Jun 23 Jun 22 Growth % (YoY) Mar 23

Net Interest Income 897 746 18 893

Other Income 333 199 67 401
- Fee income 204 187 9 202
- Others 129 12 975 199
Total Income 1,230 945 30 1,294
Operating Expenses 581 470 24 555
- Employee expense 319 236 35 280
- Other operating expense 262 234 12 275
Operating Profit 648 475 36 739
Provisions 159 154 3 293
- Credit Related 137 162 (15) 287
- Others 22 (8) 375 6
Profit Before Tax 489 321 52 446
Tax (net of DTA/DTL) 130 92 41 108
Net Profit 359 229 57 338

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 (Rs. crore)
Classification | INTERNAL

Balance Sheet

Particulars Jun 23 Jun 22 YoY (%)

Capital & Liabilities
Capital 160 160 -
Reserves and Surplus 8,784 7,665 15
Deposits 80,715 70,961 14
Borrowings 1,555 2,611 (41)
Other Liabilities and Provisions 3,393 2,450 39
Total 94,607 83,847 13

Cash and Balances with RBI 5,198 4,252 22

Balances with Banks 271 1,673 (84)
Investments (Net) 20,054 18,386 9
Advances (Net) 65,973 56,837 16
Fixed Assets 426 456 (7)
Other Assets 2,685 2,243 20
Total 94,607 83,847 13

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 (Rs. crore)
Classification | INTERNAL

Capital to Risk Weighted Assets Ratio – Basel III

Particulars Jun 23 Jun 22 Mar 23

CRAR % 17.67 18.95 18.56
Total capital 9,126 8,128 9,110
Tier I capital 8,244 7,299 8,242
Tier II capital 882 829 868
RWA 51,643 42,884 49,084
Credit risk 42,437 34,626 41,173
Operational risk 6,937 6,288 6,287
Market risk 2,269 1,970 1,624

18.78 19.21 18.56

17.12 17.67
2.01% 1.94% 1.77%
1.71%
RWA/total asset
1.90%

62%
54% 53% 54% 55%
16.77% 17.27% 16.79% 15.96%
15.22%

Mar 20 Mar 21 Mar 22 Mar 23 Jun 23

Mar 20 Mar 21 Mar 22 Mar 23 Jun 23

Tier I Tier II
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Classification | INTERNAL

Driving growth

across verticals
 (Rs. crore)
Classification | INTERNAL

Total Business

Parameter Jun 23 Jun 22 YoY % Mar 23 QoQ %

Deposits 80,715 70,961 14 76,638 5
Gross Advances 66,956 58,890 14 64,168 4
Advances (before write off) 68,638 58,890 17 66,031 4
Total Business 1,47,671 1,29,851 14 1,40,806 5

Deposits Portfolio
Parameter Jun 23 Jun 22 YoY % Mar 23 QoQ %
Demand Deposit 8,117 7,978 2 7,454 9
Saving Deposit 18,432 17,938 3 17,995 2
CASA 26,549 25,916 2 25,449 4
CASA (%) 33 37 (4) 33 -
Term Deposit 54,166 45,045 20 51,189 6
Total Deposit 80,715 70,961 14 76,638 5

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Classification | INTERNAL (Rs. crore)

Growing our books responsibly

Particulars Jun 23* Jun 22 YoY % Jun 23* Mar 23* QoQ %
Commercial 22,677 18,633 22 22,295 21,193 5
Retail (Personal Banking) 15,644 13,277 18 15,634 15,023 4
Agriculture 15,646 13,264 18 15,623 14,857 5
Corporate 14,671 13,716 7 13,554 13,347 2
Advances 68,638 58,890 17 67,106 64,420 4
Gross Advances (after t.w off) 66,956 58,890 14 66,956 64,168 4
* Technical W/O made during the year/quarter is not considered for growth comparison for both YoY &QoQ
32% 32% 32% 33% 33% Segments
27%
ABG – Agri
23% 23% 24% 23% 22% 23% 23% 23% 23% 23%
21% 21% 21%
CBG CBG – Commercial (<= Rs. 25 crore)
18% PBG CIG – Corporate (> Rs. 25 crore)
ABG PBG – Personal
CIG

FY20 FY21 FY22 FY22 JUN 23

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 (Rs. crore)
Classification | INTERNAL

Retail Portfolio

Particulars Jun 23 Jun 22 YoY % Mar 23 QoQ %

Housing loan 6,981 6,006 16 6,717 4
Jewel loans 2,183 1,852 18 2,106 4
Mortgage (LAP) loans 3,198 2,448 31 3,048 5
Vehicle loans 1,126 1,097 26 1,109 2
Personal loans 686 606 13 642 7
Educational loans 141 150 (6) 145 (3)
Others loans 1,295 1,118 16 1,245 4
Total 15,610 13,277 18 15,012 4

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Classification | INTERNAL (Rs. crore)

Driving growth across verticals

Gold Loan portfolio

Ticket size of Commercial Book
50 18000
45 16000
40
14000
17% 35
14% 12000
30 25 25 25 25 25
69% 25 10000
20 8000
15
6000

15333
14462

15030

16107

16997
10
5 4000
< 5 crore >= 5 crore < 10 crore >= 10 crore
0 2000
Jun 22 Sep 22 Dec 22 Mar 23 Jun 23
Gold loan % of advance

(Rs. crore)
Gold Loan portfolio
• Average ticket size – Rs 37.7lakh Category Amount
SMA 30+
LTV
30.06.2023 31.03.2023
• ~ 69 % of commercial loans are Agriculture 14,565 35 36 69
less than Rs. 5 crore Others 2,432 11 6 63
Total 16,997 46 42 68
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 (Rs. crore)
Classification | INTERNAL

Corporate Loan Book

Standard Corporate advances > 125 crore
Improving Risk Profile
3,000 7% 7% 6% 5% 5%
7.0 22%
28% 24% 24% 23%

3.6 3.6 4.0 5.0

2,000 3.4 3.2 31% 29% 33% 33%
29%
2,247 2,180 3.0
1,744 1,852 2,132
36% 38% 41% 39% 40%
1,000 1.0
Mar 20 Mar 21 Mar 22 Mar 23 Jun 23
Jun-22 Sep-22 Dec-22 Mar-23 Jun-23
Amount > 125cr % on advance
A & above BBB BB <BB
*Internal Rating approach based on CRISIL Rating Assessment Model

Breakup of Corporate Book

6%
17% 15%
30%
Consortium
24%
< 25 cr • ~ 70 % of corporate loans
MBA >= 25 cr < 50 cr
27%
Sole Banking
are less than Rs. 100 crore
>= 50 cr < 100 cr
Govt/PSU
31%
>= 100 cr
• Average ticket size Rs.
38.86 crore

50%
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Classification | INTERNAL (Rs. crore)

ECLGS (Emergency Credit Line Guarantee Scheme) Portfolio

Vertical wise
Vertical Jun 23 Jun 22 Mar 23
Commercial 1,002 1,412 1,103
Agriculture 2 4 3
Corporate 714 942 764
TOTAL 1,718 2,358 1,870
Scheme wise
Jun 23 Mar 23
Particulars
Outstanding NPA Outstanding NPA

ECLGS 1.0 1,320 79 1,452 77

ECLGS 2.0 349 9 367 10
ECLGS 3.0 48 - 50 -
ECLGS 4.0 1 0 1 -
TOTAL 1,718 88 1,870 87

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Classification | INTERNAL

Sectoral composition

Rs. 66,956 Crore Break of Manufacturing Sector (Rs. 16,558 Crore)

OTHER OTHERS
EXPOSURES 6%
Agri GEMS & JEWELLERY
NBFC 8% 8% INFRASTRUCTURE
2% BILLS
4% 16%
2% MINING AND
QUARRYING
MANUFACTURING 4%
CRE SECTOR CONSTRUCTION
6% 25% 5%
CEMENT
1%
ALL ENGINEERING
5%
PAPER AND PAPER
TRADING
PRODUCTS
13% TEXTILES
3%
29%
JEWEL LOAN WOOD AND ITS
25% PRODUCTS
PERSONAL 2%
SEGMENT LOANS RUBBER AND RUBBER FOOD PROCESSING
15% PRODUCTS 11% IRON & STEEL
2% 7%
CHEMICALS AND
CHEMICAL PRODUCTS
3%
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Classification | INTERNAL

Liability Franchise : Predominantly Retail

Low dependence on wholesale deposits

12%

23%
12%

Term Deposits
10%
67% Demand Deposits
Savings Deposits 56%

20%

< Rs.15 Lakhs Rs.15 Lakhs-Rs.1 Cr Rs.1 Cr-Rs.5 Cr > Rs.5 Cr

Term deposits are primarily retail deposits ~88% of term deposits are < Rs.5 Cr

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Classification | INTERNAL

Investment Portfolio

Gross Investments (Rs. crore)

Investment Category
20640

19411
23%
17755
HTM
AFS
77%
Mar'22 Mar'23 Jun'23

Investment Composition
2.42%
14.04% Duration
0.87%
AFS HFT HTM Total
1.44 0.00 3.24 2.86
82.67%
Yield on Investments

6.05%
5.97%
5.85%
SLR Shares SR Debentures/CD/MF/CP
Dec 22 Mar 23 Jun 23
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Classification | INTERNAL

Disciplined
approach to

reduce stressed assets

 (Rs. crore)
Classification | INTERNAL

Movement of NPA for the quarter

Particulars Apr 23 – Jun 23 Apr 22 – Jun22

Gross NPAs
Opening Balance 1,458 3,431
Additions during the period 150 139
Reductions during the period 278 463
-Of which Recoveries/Upgradation 127 160
Tech Write offs 151 303
Closing Balance 1,330 3,107
Provisions
Opening Balance 957 2,132
Provision made during the period 166 (+) 217
Write off/Write back of excess provision 216 (-) 381
-Of which Recoveries/Upgradation 65 78
Tech Write offs 151 303
Closing Balance 907 1,968
Net NPAs 390 1,098

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 (Rs. crore)
Classification | INTERNAL

Vertical wise NPA

Advances O/s. NPA as on NPA Additions NPA Reduction Q1 NPA as on Provisions

VERTICAL Recoveries /
Jun 23 Mar 23 Q1 Tech W/off Jun 23 Jun 23
upgradation
Commercial 22,171 848 97 85 124 736 441
Retail (Personal Banking) 15,610 350 42 31 24 337 233
Agriculture 15,621 96 5 9 3 89 70
Corporate 13,554 164 6 2 - 168 163
TOTAL 66,956 1,458 150 127 151 1,330 907

Collection efficiency
Particulars Jun 23 May 23 Apr 23
Term Loan (%) 99 99 98
Working Capital (%) 99 99 94

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 (Rs. crore)
Classification | INTERNAL

Improving Asset Quality

4213 4143 8.78

7.94 Net NPA%
3431 Gross NPA%
6.03
2351 2366
2132
1809 1719
1261 1458 1330
957 2.27 1.99
907 3.96
468 390 3.45
0.74
2.3 0.59

Mar 20 Mar 21 Mar 22 Mar 23 Jun 23 `Mar 20 Mar 21 Mar 22 Mar 23 Jun 23
Gross NPA Net NPA NPA Provision

Slippage Ratio
Jun 23 Jun 22
3.34%
Particulars % of % of
Amt Amt
1.84% Adv Adv
1.48%
0.75% 0.90%
SMA 1 369 0.55 301 0.51

* SMA 2 231 0.35 276 0.46

Mar-20 Mar-21 Mar-22 Mar-23 Jun-23
SMA 30+ 600 0.90 577 0.97
* annualized
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Classification | INTERNAL

Provisions Coverage

92.14% 93.41% 4.00%

80.27%
0.8 93.41
72.70% 92.14
68.90%
80.27
72.70
2.93%

68.90

68.20
2.00% 65.62
63.25
0.4
55.80 57.11
1.47%

1.45%
1.26%

0.82%
0 0.00%
Mar 20 Mar 21 Mar 22 Mar 23 Jun 23
PCR Credit costs Mar 20 Mar 21 Mar 22 Mar 23 Jun 23

Market PCR (excl technical write off) Provision Coverage Ratio %

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 (Rs. crore)
Classification | INTERNAL

Provisions and Contingencies

Provision for Jun 23 Jun 22 Mar 23

NPA 101 140 120

Standard Assets 13 9 7

Restructured advance & Other credit related items 23 13 160

Sub-total – Credit Provisions 137 162 287

Floating provisions 25 - -

NPI (2) (8) 6

Total Provisions (excl. Tax) 160 154 293

Tax Expense 130 92 108

Total Provisions 290 246 401

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 (Rs. crore)
Classification | INTERNAL

Restructured Accounts

Jun 23 Jun 22 Mar 23

Particulars
Standard NPA Standard NPA Standard NPA
Resolution Framework - 2.0 536 101 718 52 579 85
COVID 19 - Resolution Framework 230 127 405 47 256 125
MSME 127 118 202 221 140 130
CDR - - - - -
Others* - 26 193 43 1 26
Total 893 372 1,518 363 976 366
* Others include restructured accounts due to stress, natural calamities and extension of DCCO.

Jun 23 Jun 22 Mar 23

Vertical wise
Standard NPA Standard NPA Standard NPA
Commercial 303 169 472 199 349 172
Retail (Personal Banking) 404 94 556 70 439 85
Agriculture - - - 12 - -
Corporate 186 109 490 82 188 109
Total 893 372 1,518 363 976 366

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 (Rs. crore)
Classification | INTERNAL

Movement of Standard Restructured Advances for the quarter

Apr 23 to Jun 23 Apr 22 to Jun 22

Particulars
A/c’s Amt. A/c’s Amt.

A. Position at the beginning of the period 2,478 976 3,222 1,640

B. Addition during the period - -

C. Additions in existing A/c’s 9 - 14

D. Addition through upgradation from NPA 20 2 16 2

E. Accounts closed during the period 103 30 98 26

F. Accounts upgraded - - - -
G. Recoveries during the period 34 - 51
H. Slippages during the period 77 30 153 61
Position at the end of the period A+B+C+D-
2,318 893 2,987 1,518
(E+F+G+H)
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 (Rs. crore)
Classification | INTERNAL

Sector-wise Standard Restructured Advances

S. Amount Stressed Book Analysis

SECTOR 5.00
N. Jun 23 Mar 23 3500
1 Housing 239 258 2746
2 Real Estate 146 149 3000
3 Trade 85 87 130 2163
4 Textile 49 58 2500 3.28
5 Personal 40 45 119 1705
6 Infrastructure 43 48 2000 1098
2.50 1444 1283 2.50
7 Hotels and restaurants 42 58 0
819
8 All Engineering 36 37 1500 1.92 0 0
9 Food & Food Processing 15 19 550 1.60
1.36
10 Auto 33 37 1000 468 390
11 Transportation 13 16 1518
1225 1155
12 Wood & Wood Products 22 23 500 976 893
13 Education Loan 7 8
0 0.00
14 Gems and Jewelry 4 4
Jun 22 Sep 22 Dec 22 Mar 23 Jun 23
15 Construction 7 13 Std Restructured Assets Net NPA Net SR % of Total Assets
17 Others 112 116 SR Book
TOTAL 893 976
Amount
% to Total Advances 1.33 1.52 Particulars
Jun 23 Jun 22
Gross SR 459 520
Less : Provisions 459 390
Net SR - 130
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Classification | INTERNAL

Building a

strong digital ecosystem

Classification | INTERNAL

Digital Banking
DLite APP

Registrations Accounts
4.48 MILLION Opened
21.71 L
DLITE APP users 3.57L
DOWNLOADS

Avg Daily Txns

74.6 K

UPI Transactions (in lakhs)

2095
1966
18% 95% 1758
1875
1618

Share of digital
Growth in digital transactions
transaction

Jun-22 Sep-22 Dec-22 Mar-23 Jun-23

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 Classification | INTERNAL

Digital Partnerships
ASSETS LIABILITIES

NOCPL

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Classification | INTERNAL

Environmental

Social Governance
Classification | INTERNAL

Environment

Progressing towards achieving the Indian Green Building Council (IGBC)

certification

Initiated energy conservation process by supporting the branch/offices

with energy efficient light bulbs and green refrigerant ACs

Electric powered buggies, RO plants provided for promoting environmental

sustainability and safe drinking water.

Provided Garbage vehicles to Gobichettipalayam Municipality

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Classification | INTERNAL

Social

Supported construction of an Supported 1219 women dairy

Integrated Facility for Palliative and farmers in bettering their
Geriatric Care. livelihoods.

Donated 33 battery operated pushcarts

Integrated for building and reskilling a
valued at Rs.40.00 lakhs to women from
future-ready, diverse workforce
underprivileged sections to market ice
cream and other dairy products of Aavin
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Classification | INTERNAL

Governance

The Board approved Environment, Social and Governance Policy disclosed on Bank’s Website

CSR&ESG Committee of the Board to exercise oversight on ESG implementation related aspects in
the Bank.

Evaluating opportunities for raising Green deposits and Green lending within the regulatory
framework

Creating awareness programme on ESG aspects across the bank.

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Classification | INTERNAL

CSR Initiatives

As a part of Green & Climate Resilient Village Project, Second Tranche of Fund handed over to Sneha Sandhiya Age
Pond Excavation and strengthening of Bunds at Care Foundation by MD & CEO for establishing Integrated
Manavadi Village is in progress. facility for patients of Palliative and Geriatric care.

Four class room block constructed in Government High Mr. Dhanush supported by KVB, won Gold Medal in
School, Somur in association with Round Table, Karur - Commonwealth Games Weightlifting held at Delhi. He lifted
138 192 Kg in Snatch and Clean & Jerk Category.
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 Classification | INTERNAL

Awards and Accolades for the Quarter

14TH EDITION
DATA CENTER INDIA
SUMMIT AND KAMIKAZE BANKING
AWARDS 2023 B2B MEDIA SUMMIT AND
AWARDS
2023
WINNER

UBS FORUMS BEST BNPL COMPANY/PLATFORM OF THE MOST INNOVATION MOBILE BANKING APP OF
INFRASTRCUTURE MANAGEMENT YEAR THE YEAR (KVB DLITE APP)

CIO POWER Indian Chamber of 15TH EDITION

LIST 2023- Commerce DATA CENTER
CORE MEDIA SUMMIT AND
2nd Runner up AWARDS

CIO POWER LIST 2023 The Best Performance of CASA CIO OF THE YEAR

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 Classification | INTERNAL

Shareholding pattern External Ratings

Rating Agency Instrument Ratings

Promoter, 2.24

Resident Mutual Fund,

Individual, 42.54 26.83 Certificate of
A1+
Deposits
Insurance
Companies, 2.62 Tier II Bonds A+ (stable)

Tier II Bonds A+
Foreign Portfolio
Investors
others, 7.88 Category , 17. 89

Certificate of
A1+
Deposits

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Classification | INTERNAL

Dynamic workforce

Leading to improved Efficiency

17.35
14.25
18 18
17
15
14
9.20

4.60
3.00

FY 20 FY 21 FY 22 FY 23 Jun'23
FY 20 FY 21 FY 22 FY 23 Jun'23 *
Business per employee (Rs. Crore)
Profit per empolyee (Rs.Lakhs))

176 183
160
149
138

* annualized FY 20 FY 21 FY 22 FY 23 Jun'23
Business per branch (Rs. Crore)
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 (Rs. crore)
Classification | INTERNAL

Decade of Sustained Growth

Year 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23
Paid up Capital 107 107 122 122 122 145 160 160 160 160 160
Reserves 2,978 3,219 4,124 4,451 4,723 6,066 6,205 6,440 6,760 7,436^ 8,424^
Owned funds 3,085 3,326 4,246 4,573 4,845 6,211 6,365 6,600 6,920 7,596 8,584
Basel III (%) 14.41$ 12.60 14.62 12.17 12.54 14.43 16.00 17.17 18.98 19.46 18.56
Deposits 38,653 43,758 44,690 50,079 53,700 56,890 59,868 59,075 63,278 68,676 76,638
Advances 29,706 34,226 36,691 39,476 41,435 45,973 50,616 48,516 52,820 57,550 64,168
Total Business 68,359 77,984 81,381 89,555 95,135 1,02,863 1,10,484 1,07,591 1,16,098 1,26,226 1,40,806
Total Income 4,695 5,680 5,977 6,150 6,405 6,600 6,779 7,145 6,389** 6,357 7,675
Operating Profit 849 838 943 1,303 1,571 1,777 1,711 1,761 1,291** 1,630 2,476
Net Profit 550 430 464 568 606 346 211 235 359 673 1,106
Return on Assets (%) 1.35 0.86 0.88 1.03 1.00 0.53 0.31 0.32 0.49 0.86 1.27
Cost of Deposit 8.30 8.24 7.96 7.40 6.60 5.99 5.80 5.76 4.96 4.30 4.27
Yield on Advance 12.77 12.28 12.14 11.67 11.34 10.30 9.75 9.63 8.93 8.47 8.93
EPS (Rs.) 51.35 40.08 39.86 46.59 9.95 4.78 2.64 2.94 4.50 8.42 13.81
Book Value(Rs.) 287.85 308.91 348.42 375.25 79.51 85.49 79.63 82.57 86.57 94.95 105.03
Dividend (%) 140 130 130 140 130 30 30 - 25 80 100 #
No of Employees 6,730 7,339 7,197 7,211 7,400 7,956 7,663 7,935 7,746 7,306 7,764
Business per employee 10.16 10.63 11.31 12.42 12.86 12.93 14.42 13.56 14.99 17.28 18.14
Branches (No.) 551 572 629 667 711 790 778 779 780 789 799
* During the Financial Year 2016-17, one Equity Share face value of Rs.10/- each was subdivided into five Equity Shares of face value Rs.2/- each
^Includes proposed dividend ;$ Basel II CRAR; # proposed subject to approval at AGM
**After reclassification of depreciation on investments as an item of other income.
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