investor presentation 31.03 · sector lending on 31.08.2016 fe india’s best banks award, kvb is...

Investor Presentation

31.03.2017

IDRBT Award for the Best Bank Among Small Banks for Digital Banking , 2015-16 on 18.07.2016

IDRBT Award for the Best Bank Among Small Banks for Managing IT Ecosystem, 2015-16 on 18.07.2016

Dun & Bradstreet Banking Awards 2016, Karur Vysya Bank has been awarded the Best Private Sector Bank – Priority

Sector Lending on 31.08.2016

FE India’s Best Banks Award, KVB is the winner in Credit Quality category for the year 2013-14 received on 01.09.2016

Karur Vysya Bank has been selected as The Best Bank at National Level under Private Sector category for the year 2015-

2016 in the State Forum of Bankers’ Clubs Kerala (SFBCK) Banking Excellence Award 2016 on 11.12.2016

Karur Vysya Bank has received NSDL star performer award for the top performer in new accounts opened under Bank

Category - 2nd position on 24.12.2016

Award for Solar irrigation pump scheme – Ministry of New & Renewable Energy, Government of India has selected Karur

Vysya Bank for 1st prize for having achieved highest disbursement under the category Solar irrigation pumps – Off grid &

decentralized solar applications programe for the FY 2015-16 on 24.01.2017.

Business Today KPMG Award – Best Small Bank for FY 2015-16

Awards and Accolades

3

4

About Us

Banking tradition of 100 years Consistently earning profits since inception Uninterrupted dividend payment record 100% and above dividend for 13 years consecutively from 2004, out of which 120% or above for

ten years First bank to get permission from RBI to issue bonus shares

711 branches and 1747 ATMs as on 31st March 2017

6 million+ Customer Base

100% CBS since 2005 and all latest technology products are available Top Rating from CRISIL (A1+) and ICRA (A1+) for Short Term Borrowings

5

Q4FY17 Results Snapshot

Operating Profit

Rs.507 crore (↑ 57%)

Net Profit Rs.218 crore

(↑ 58%)

ROA 1.39%

(Q4FY16 – 0.97%)

NIM 4.04%

(Q4FY16 – 3.55%)

Net NPA 2.53 %

6

FY17 Results Snapshot

Net Profit Rs. 606 crore

(↑ 7 % )

ROA 1.00%

(FY16 – 1.03%)

NII Rs.2073 crore

(Rs.1781 crore)

ROE 12.03 %

(FY16 – 12.41%)

CRAR 12.54%

NIM 3.70%

(FY16 – 3.43%)

Deposits Rs. 53,700

crore (↑ 7.23 %)

Advances Rs. 41,435

crore (↑ 4.96 %)

CASA Rs. 14,889

crore (↑ 27.53 %)

CASA Share

27.73%

Operating Profit

Rs. 1,571 crore

(↑ 21%)

7

Profit & Loss Account (Quarter)

Units: Rs crore

Particulars Q4FY 2016-17 Q4FY 2015-16 YoY%

Net Interest Income 580 473 23%

Other Income 232 166 40%

Total Income 812 639 27%

Operating Expenses 305 317 -4%

Operating Profit 507 322 57%

Provisions 217 50 334%

Credit Related 198 89 122%

Others 19 -39 -149%

Profit Before Tax 290 272 7%

Tax 72 134 -46%

Net Profit 218 138 58%

8

Profit & Loss Account (FY)

Units: Rs crore

Particulars Mar-17 Mar-16 YoY%

Net Interest Income 2074 1781 16%

Other Income 782 707 11%

Total Income 2856 2488 15%

Operating Expenses 1285 1184 9%

Operating Profit 1571 1304 20%

Provisions 688 392 76%

Credit Related 648 387 67%

Others 40 5 -

Profit Before Tax 883 912 -3%

Tax 277 344 -19%

Net Profit 606 568 7%

9

Particulars

Total

Forex

Commissions

Other

Q4 FY 16-17

233

11

127

17

Q4 FY 15-16 YoY %

40.36%

22.22%

18.69%

(-)56.41%

Units: Rs crore

Profit on Sale of Investments

78 609.09%

Breakup of Other Income (Quarter)

Fee Income 155 --

166

9

107

39

11

155

10

Particulars

Total

Forex

Commissions

Other

FY 16-17 FY 15-16 YoY %

10.61%

(-)30.91%

4.34%

(-)39.80%

Units: Rs crore

118.09%

Breakup of Other Income (FY)

Fee Income

707

55

460

98

94

613

782

38

480

59

205

577 (-)5.87%

Profit on Sale of Investments

Diverse sources of non – interest income

Non – interest income contributed 13.91% to total income for FY 2016-17

KVB’s Fee income streams :

Banking charges (Corporate, Commercial & Retail)

Bancassurance

Third party product sales

Trade Finance

Retail Asset fees

Card fees

―Credit Card

― Debit Card

― Travel Card

― Gift Card

Healthy Other Income Profile

Growth in other income Fee income consistently contributes ~ 74% of other income

11

1.8 2.3 2.8 3.4 4 4.6 4.8 0.4

0.3 0.9

1 0.7

0.9 2.1

0.1 0.4

0.2 0.4 0.4

0.5

0.4

0.3

0.6

0.6

0.9 0.7

1

0.6

0

1

2

3

4

5

6

7

8

9

FY11 FY12 FY13 FY14 FY15 FY16 FY17

Fee Income (Rs. bn) Treasury (Rs. bn) Forex Gain (Rs. bn) Others (Rs. bn)

69% 64% 62% 60% 69% 66% 61%

15%

8% 20%

18% 12% 13% 26%

4% 11%

4% 7%

7% 7% 5%

12% 17% 13% 16% 12% 14% 7%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

FY11 FY12 FY13 FY14 FY15 FY16 FY17

Fee Income % Treasury % Forex Gain % Others %

12.07% 12.34%

10.34%9.47%

17.28%

5%

10%

15%

20%

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Return on Equity

0.97% 1.00%

0.86%

0.74%

1.39%

0.70%

1.00%

1.30%

1.60%


Return on Assets

3.55% 3.52%3.61%

3.68%

4.04%

3.00%

3.50%

4.00%

4.50%


Net Interest Margin

12

49.58%

46.19%46.31%

51.29%

37.55%

25%

30%

35%

40%

45%

50%

55%


Cost to Income %

Key Ratios (Q4 2016-17)

13

Key Ratios (FY 2016-17)

12.03% 12.34%11.16%

10.35%

12.03%

5%

10%

15%

20%


Return on Equity

1.03%1.00%

0.93%0.87%

1.00%

0.60%

0.80%

1.00%

1.20%

1.40%


Return on Assets

3.43%3.52%

3.60%3.68% 3.70%

2.40%

2.60%

2.80%

3.00%

3.20%

3.40%

3.60%

3.80%

4.00%


Net Interest Margin

47.63%46.19%

46.31%51.29%

44.99%

30%

40%

50%

60%


Cost to Income %

14

Particulars

Key Ratios (Quarter) Q4 FY 16-17 Q4 FY 15-16

Yield on Advances

Yield on Funds

NIM

Business/Emp. (Rs crore)

Profit/Emp. (Rs lakh)

Cost of Funds

No. of Employees

11.23%

9.52%

4.04%

12.85

11.73

6.03%

7,400

11.31%

9.87%

3.55%

12.41

7.65

6.88%

7,211

Cost of Deposits 6.15% 7.06%

Spread 3.49% 2.99%

Cost Income Ratio 37.55% 49.58%

15

Particulars Key Ratios (FY)

FY 16-17 FY 15-16

Yield on Advances

Spread

NIM

Business/Emp. (Rs crore)

Profit/Emp. (Rs lakh)

Cost of Funds

No. of Employees

11.34%

3.10%

3.70%

12.85

8.19

6.52%

7,400

11.67%

2.71%

3.43%

12.41

7.87

7.38%

7,211

Yield on Funds 9.62% 10.09%

6.60% 7.40% Cost of Deposits

Cost Income Ratio 44.99% 47.63%

Consistency in spreads (Quarterly)

Profitability Metrics

16

11.4% 11.2%

12.7% 12.8%

12.3% 12.1%

11.7% 11.4%

7.1% 6.7%

8.1% 8.3% 8.2%

8.0%

7.4%

6.9%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

FY10 FY11 FY12 FY13 FY14 FY15 FY16 H1FY17

Yield on Advances (%) Cost of Deposits (%)

3.2%

3.4%

3.1%

3.0%

2.6%

2.9%

3.4%

3.6%

2.0%

2.5%

3.0%

3.5%

4.0%


Net Interest Margin (%)

3.93% 4.23%

4.11% 4.29%

4.08% 4.24% 4.31% 4.25% 4.25%

4.39% 4.61%

4.86% 5.08%

2.67% 2.73% 2.67%

3.08% 3.15% 3.30% 3.39% 3.47% 3.55% 3.52% 3.61% 3.68%

4.04%

1.97%

2.18% 2.09%

2.40% 2.43% 2.57% 2.65% 2.76%

2.99% 2.90% 3.01% 3.17%

3.49%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Spread (Deposits and Advances) Net Interest Margin Spread on Funds

Profitability Metrics

Net Interest Margin (%) over the years

17

11.4% 11.2%

12.7% 12.8%

12.3% 12.1%

11.7% 11.4%

7.1% 6.7%

8.1% 8.3% 8.2%

8.0%

7.4%

6.9%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%


Yield on Advances (%) Cost of Deposits (%)

3.2%

3.4%

3.1%

3.0%

2.6%

2.9%

3.4%

3.6%

2.0%

2.5%

3.0%

3.5%

4.0%


Net Interest Margin (%)

4.08% 3.99% 4.05% 4.11% 4.11%

4.30% 4.55% 4.60%

4.47%

4.04% 4.18% 4.26%

4.74%

3.62% 3.48% 3.45%

3.06% 2.95%

3.23% 3.39%

3.08% 3.03%

2.64%

2.91%

3.43%

3.70%

3.32% 3.24% 3.04%

2.17% 2.02%

2.42%

2.74%

2.33% 2.41%

2.09% 2.27%

2.71%

3.10%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

5.00%

5.50%

Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Spread (Deposits and Advances) Net Interest Margin Spread on Funds

18

Particulars

Total Deposits

Term Deposits

53,700

38,811

50,079

38,404

YoY %

7.23%

1.06%

Units: Rs crore

CASA Mix % 27.73% 23.30%

Deposits

Demand 4,921 4,027 22.20%

Savings 9,968 7,648 30.33%

CASA 14,889 11,675 27.53%

FY 16 -17 FY 15-16

19

Retail Liability Franchise – Granular and Sticky

Low dependence on wholesale deposits (FY 2016-17)

Term deposits are primarily retail deposits. Only 9% of term deposits are > Rs.50 Mn

Low concentration of deposits Breakup of deposits (FY17)

< Rs. 1.5 Mn, 62%

Rs. 1.5 Mn - Rs. 10 Mn., 23%

Rs. 10 Mn - Rs. 50 Mn, 6%

> Rs. 50 Mn, 9%

11% 13%

12% 13%

12%

9% 9% 7%

FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY 17

Concentration of top 20 depositors %

Term Deposits,

72%

Savings Deposits,

19%

Demand Deposits, 9%

Consistent growth in Savings Deposits since FY10 Growth in demand deposits since 2010

Break-up of deposit base (in %)

Deposit Mix

20

13% 13% 11% 11% 13% 14% 15% 19% 11% 10% 8% 8% 8% 14% 8% 9%

76% 77% 81% 81% 79% 78% 77% 72%

0%

20%

40%

60%

80%

100%

FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17

Savings Deposits Demand Deposits Time Deposits

21 25 25

31 36 35

40

49

0

10

20

30

40

50

60


Demand Deposits Balance (Rs. bn)

25 33 38

44 54

63 76

100

0

20

40

60

80

100

120


Savings Deposits Balance (Rs. bn)

21

Particulars YoY % Units: Rs crore

Advances

Jewel Loan (included in other segments)

6,159 6,359

Advances 41,435 39,476 4.96%

Corporate 13,612 13,763 (-)1.09%

Commercial 14,504 12,763 13.64%

Agriculture 6,979 7,032 (-)0.75%

(-)3.14%

Retail (Personal Banking) 6,340 5,918 7.13%

FY 16-17 FY 15-16

• Average ticket size of Rs 4.67 Mn

• 78% of commercial loans are less than

Rs. 50 Mn

• Average ticket size of Rs. 351.79 Mn

• 68% of corporate exposure less than

Rs. 1 Bn

Commercial book break-up*

Corporate book break-up*

Commercial Loans : Exposures upto Rs. 250 Mn

Corporate Loans : Exposures above Rs. 250 Mn

Loan book break up in FY16-17

Granular Loan Portfolio

22

Agriculture, 17%

Commercial, 35%

Corporate, 33%

Retail, 15%

< 50 mn, 78%

>= 50 mn < 100 mn,

11%

>= 100 mn < 250 mn,

10%

> 250 mn, 1%

< Rs. 250 mn, 17%

Rs.250mn - 500 mn,

26%

Rs. 500 mn - 1000 mn, 25%

> Rs. 1000 mn, 32%

Rs.281 Bn

Sub-sectoral exposures well spread out; diversified industrial exposures (FY16-17)

Rs. 414 Bn Breakup of industry exposure (Rs. 127 Bn)

Working capital focus enables quicker repricing of loans Low concentration: Top 20 borrowers (% of overall loans)

Breakup of Advances

23

68% 83% 79% 79%

32% 17% 21% 21%

0%

20%

40%

60%

80%

100%


Working Capital Loans Term Loans

26%

20% 17%

12% 12% 11% 10% 10%

0%

5%

10%

15%

20%

25%

30%


INFRASTRUCTURE 25%

POWER 6%

TEXTILES 30%

IRON & STEEL 9%

FOOD PROCESSING 5%

CHEMICALS AND CHEMICALS

PRODUCTS 4%

ALL ENGINEERING 4%

CEMENT 3%

TRANSPORT EQUIPMENTS 3%

GEMS & JEWELLERY 4%

OTHERS 15%

MANUFACTURING

SECTOR 31%

JEWEL LOAN 15%

Personal Segment

Loans 12%

TRADING 16%

BILLS 4%

NBFC 2%

OTHER EXPOSURES*

20%

24

Advances – Category wise

@ Vehicle, Housing, Deposit loans * includes Commercial Real estate, Capital Market and exposure to other service sectors, etc.

Particulars Amount (Rs. in crore)

% to Total Advance

Growth

Mar-17 Mar-16 Mar-17 Mar-16 Amount %

MANUFACTURING SECTOR 12,688 12,707 30.6 32.2 (19) (0.1)

JEWEL LOAN 6,159 6,359 14.9 16.1 (200) (3.1) Personal Segment Loans @ 4,847 5,310 11.7 13.5 (463) (8.7)

TRADING 6,889 5,771 16.6 14.6 1118 19.4

BILLS 1,592 1,352 3.8 3.4 240 17.8

NBFC 1,159 975 2.8 2.5 184 18.9

OTHER EXPOSURES* 8,101 7,002 19.6 17.7 1099 15.7

TOTAL ADVANCES 41,435 39,476 100.0 100.0 1959 4.96

25

Manufacturing Sector - Breakup

INDUSTRY Amount (Rs. in crore) % to Total Advance Growth

Mar-17 Mar-16 Mar-17 Mar-16 Amount % INFRASTRUCTURE 2,964 3,354 7.2 8.5 (390) (11.63) TEXTILES 3,769 3,515 9.1 8.9 254 7.23

BASIC METAL & METAL PRODUCTS 1,194 1,225 2.9 3.1 (31) (2.53)

FOOD PROCESSING 536 356 1.3 0.9 180 50.56

CHEMICALS & CHEMICALS PRODUCTS 522 720 1.3 1.8 (198) (27.50)

ALL ENGINEERING 513 433 1.2 1.1 80 18.48

GEMS & JEWELLERY 445 342 1.1 0.9 103 30.12

TRANSPORT EQUPMENTS 397 368 1.0 0.9 29 7.88

RUBBER & PLASTIC PRODUCTS 355 166 0.9 0.4 189 113.86

MINING & QUARRYING 304 523 0.7 1.3 (219) (41.87)

WOOD & WOOD PRODUCTS 268 253 0.6 0.6 15 5.93 CONSTRUCTION 371 406 0.9 1.0 (35) (8.62) PAPER & PAPER PRODUCTS 195 266 0.5 0.7 (71) (26.69)

CEMENT & CEMENT PRODUCTS 385 375 0.9 0.9 10 2.67

BEVERAGES & TOBACCO 112 122 0.3 0.3 (10) (8.20) PETROLEUM 34 9 0.1 0.0 25 277.78 GLASS & GLASSWARE 40 56 0.1 0.1 (16) (28.57) LEATHER & LEATHER PRODUCTS 37 19 0.1 0.0 18 94.74 OTHER INDUSTRIES 247 199 0.6 0.5 48 24.12 Total INDUSTRY EXPOSURE 12,688 12,707 30.6 32.2 (19.0) (0.15)

26

Retail Advances

Segment Amount (Rs. in crore)

Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Housing Loan 436 611 971 1,387 1,757 2,094 2,330 Mortgage Loan (LAP) - - - 381 568 787 965

Vehicle Loan 387 492 677 735 782 831 921

Jewel Loan 481 584 832 802 793 703 596

Personal Loan 257 319 341 353 356 354 316

Educational Loan 78 104 133 169 207 245 266

Retail (Others) 413 428 591 464 779 904 946

Total 2,052 2,538 3,545 4,291 5,242 5,918 6,340

27

Advances Mix

Advances in Value (Rs.in crore) Advances Mix (in %)

ABG- Agri Banking , CBG – Commercial Banking, CIG – Corporate Banking, PBG – Personal Banking

Increased focus on Commercial, SME & Retail Advances over the period

0

2000

4000

6000

8000

10000

12000

14000

16000

Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

ABG

CBG

CIG

PBG16%

18% 18% 17% 18% 16%

31% 32% 33% 32% 33%

33%

43%

38% 37% 37% 34%

35%

10% 12% 13% 14% 15% 16%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

ABG

CBG

CIG

PBG

Investment Portfolio

28

Investments Outstanding (Rs. In crore) Portfolio wise Investment

Investment Portfolio

Modified Duration

HTM AFS HFT Total

4.53 2.20 0.00 3.86

Yield on Investment

14502

14955

14000

14500

15000

Mar'16 Mar'17

HTM 69.83%

AFS 30.17%

HFT 0.00%

86.23%

0.83% 12.94%

SLR Shares Debentures/CD/MF/CP

Investments in shares includes SRs of Rs.504 crore (3.37%)

7.54% 7.22%

1.00%

Mar'16 Mar'17

Yield on Investments

29

Stress Accounts

Rs. in Crore

SDR Outstanding (3 accounts) 104.64

5/25 ( 1 Account ) 76.78

S4A Accounts (1 Account) 54.10

Sale to ARC in FY 16-17 Nil

Sector Wise Restructured Advances

30

S.NO SECTOR

AMOUNT (%) to Total Restructured Advances (Rs. in crore)

Mar-17 Mar-16 Mar-17 Mar-16

1 AGRICULTURE 7.63 15.82 0.91 1.17

2 INFRASTRUCTURE 416.36 807.02 49.46 59.56

3 TEXTILES 119.88 205.01 14.24 15.13

4 AUTO LOANS 32.47 0.73 3.86 0.06

5 EDUCATIONAL LOANS 0.15

0.97 0.02

0.07

6 FOOD PROCESSING 236.94

224.66 28.15

16.58

7 OTHERS 28.38 100.69 3.37 7.43

TOTAL 841.81 1354.90 100 100

% to Total Advance 2.03% 3.43%

31

Movement of Restructured Assets Units: Rs crore

Particulars

Apr-16 to Mar-17 Jan-17 to Mar-17

No. of

A/cs

Amount (Rs. in crore)

No. of

A/cs

Amount (Rs. in crore)

Restructured accounts at the beginning of the period - [A] 117 1354.90 76 1279.10

Fresh Restructuring - [B] 2 1.75 0 0.00

Addition of facilities in existing restructured A/Cs - [C] 107.20 20.39

Addition through upgradation from NPA – [D] 1 0.02

Accounts closed during the period - [E] 34 380.53 10 344.39

Accounts ceasing to attract higher provision (upgradation)– [F] 28 78.35 26 68.08

Recoveries – [G] 82.40 21.58

Slippages (into NPA )- [H] 25 80.78 7 23.63 Restructured accounts as on 31.03.2017 A+B+C+D-(E+F+G+H) 33 841.81 33 841.81

32

Units: Rs crore

NPA Position

Provision Coverage Ratio

82.46% 78.49% 68.26% 67.06 % 57.83 %

511

702

903 1,022

1,484

216 306 565 638 1,033


Gross NPA

Net NPA

1.30 1.79

2.29 2.66

3.58 0.55

0.79

1.44 1.68

2.53


Net NPA %

Gross NPA %

33

Movement of NPA (Rs. in crore)

Particulars Apr 16 –Mar 17 Apr 15 –Mar 16

Movement of Gross NPAs

Opening Balance 511.18 677.78

Additions during the period 1,330.83 1,133.41

Reductions during the period 358.20 1,300.01

Closing Balance 1,483.81 511.18

Movement of Net NPAs


Additions during the period 940.83 877.26

Reductions during the period 123.54 942.06

Closing Balance 1,033.46 216.17

Movement of Provision for NPA


Provn made during the period 484.17 350.12

Write off/Write back of excess provn 340.43 445.12

Closing Balance 428.74 285.00

34

Q4 FY 16-17 Q4 FY 15-16 Units: Rs crore

Breakup of Provisions (Other than Tax)

Particulars

Total Provisions

Standard Assets

Restructured

Investment

217

(-)2

(-)4

19

Others --

NPA 204

50

5

(-)32

(-)20

(-)19

116

35

Particulars

Total Provisions

Standard Assets

Restructured

Investment

12M FY 16-17 12M FY 15-16

Units: Rs crore

Others

Breakup of Provisions (Other than Tax)

NPA

392

30

(-)61

(-)1

6

418

688

(-)11

(-)12

30

10

671

36

Branch network & ATM network

Growth in Branch & ATM Network

335 369 451 551 572 629 667 711

375 488

825

1276

1616 1645 1655 1747

-300

200

700

1200

1700

2200

0

100

200

300

400

500

600

700

800


Branch ATM

Number of customers (Millions)

Geographical spread of branches (FY 2016-17)

Dominant presence (52%) in semi-urban and rural locations

State /UT Mar -17 - Branches (Nos)

TAMILNADU 377

ANDHRA PRADESH 105

TELANGANA 51

KARNATAKA 49

MAHARASHTRA 27

GUJARAT 15

WEST BENGAL 16

KERALA 17

DELHI 14

PUNJAB 7

UTTARPRADESH 6

ORISSA 5

HARYANA 4

PONDICHERY 6

M.P. 4

RAJASTHAN 3

JHARKHAND 2

CHANDIGARH 1

CHATTISGARH 1

GOA 1

Total 711

Region, Number of branches 18 Divisional Offices spread across the country

Branch Network - Diversified Across the Country

37

South 606 North 39

East 24

West 42

Metro, 27%

Urban, 21%

Semi-urban, 37%

Rural, 15%

Branch Distribution in FY17 (711 branches)

2.6 2.9 3.3 3.8 4.5 5.2 5.6 6.29


Exponential growth in Mobile transactions

Leveraging Technology – Alternate Banking Channels

Rising market share in RTGS transactions POS Terminals

38

Cash Deposit Machines

143 154 205

307 338 341 352 352 353 354

389

0

100

200

300

400

500

Mar

-14

Jun

-14

Sep

-14

De

c-1

4

Mar

-15

Jun

-15

Sep

-15

De

c-1

5

Mar

-16

Jun

-16

Sep

-16

Cash Deposit Machines (Nos.)

3399 5844

8434 9234 10157 10428 10797

13937

22068

1000

6000

11000

16000

21000

POS Terminals

143 154

205

307 338 341 352 352 353 354

389 403 444

50

100

150

200

250

300

350

400

450

Mar

-14

Jun

-14

Sep

-14

De

c-1

4

Mar

-15

Jun

-15

Sep

-15

De

c-1

5

Mar

-16

Jun

-16

Sep

-16

De

c-1

6

Mar

-17

Cash Deposit Machines (Nos.)

0.79% 0.84%

0.91% 0.94% 0.99%

1.14%

0.60%

0.70%

0.80%

0.90%

1.00%

1.10%

1.20%

FY12 FY13 FY14 FY15 FY16 FY17

Series1

6 15 40

168

722

0

200

400

600

800

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Mobile Banking (Nos in '000)

Mobile Banking (Nos in '000)

38

39

Capital Adequacy Ratio (FY 12 to FY 14 Basel II and FY 15 onwards Basel III)

Capital Adequacy

13.12% 13.10% 11.62%

13.56%

11.26% 11.85%

1.21% 1.31%

1.15%

1.05%

0.91% 0.69%

14.33% 14.41%

12.77%

14.61%

12.17% 12.54%

0%

2%

4%

6%

8%

10%

12%

14%

16%

Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17Tier 1 Tier 2

Young workforce ( average 33 years)….. … and well qualified work force… …with lower attrition …

…leading to improving productivity

37% below 30 yrs of age out of 7,400 employees

Human Resources

40

34 34

32 32 32

33 33 33

30

31

32

33

34

35


PG 50%

Graduate 38%

Others 12%

2.9%

4.4% 5.4%

8.4%

6.2%

4.5%

2.7% 2.2%


983

1159 1249 1241

1363 1294 1343 1338


0

200

400

600

800

1000

1200

1400

1600

Business per branch (Rs. million)

78

93 99 101 106 112 124 129


0

20

40

60

80

100

120

140

Business per employee (Rs. million)

8.05 9.09 8.84

8.18

5.85 6.45

7.87 8.19


0

2

4

6

8

10

Profit per employee (Rs. lacs)

A Decade of Progress Units: Rs crore

41

Year 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17

Paid up Capital 53.94 53.95 54.44 94.49 107.18 107.18 107.18 121.63 121.86 121.86

Reserves 1136.06 1296.21 1565.54 2020.05 2601.04 2978.01 3219.16 4124.4 4451.09 4723.16

Owned funds 1190 1350.16 1619.98 2114.54 2708.22 3085.19 3326.34 4246.03 4572.95 4845.02

CRAR - Basel II - 14.92% 14.49% 14.41% 14.33% 14.41% 12.77% 14.63% 12.26 -

Basel III - - - - - - 12.60% 14.62% 12.17 12.54

Deposits 12550 15101 19272 24722 32112 38653 43758 44690 50079 53700

Advances 9569 10563 13675 18052 24205 29706 34226 36691 39476 41435

Total Income 1289 1711 2005 2482 3621 4695 5680 5977 6150 6405

Operating Profit 308 418 463 600 726 849 838 943 1303 1571

Net Profit 208 236 336 416 502 550 430 464 568 606

Dividend (%) 120 120 120 120 140 140 130 130 140 130 (@)

Branches (No.) 288 312 335 369 451 551 572 629 667 711

EPS (Rs.) 38.62 43.71 62.23 44.9 46.81 51.35 40.08 39.86 46.59 9.95 (*)

Return on Assets 1.63% 1.49% 1.76% 1.71% 1.56% 1.35% 0.86% 0.88% 1.03% 1.00%

Book Value(Rs.) 220.61 250.25 297.6 193.04 252.68 287.85 308.91 348.42 375.25 79.51 (*)

No of Employees 3580 3941 4175 4574 5673 6730 7339 7197 7211 7400 (@) Proposed

(*) During the Financial Year 2016-17, one Equity Share face value of Rs.10/- each was subdivided into five Equity Shares face value of

Rs.2/- each

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