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THE KARUR VYSYA BANK LIMITED

OUR VISION:

DELIGHT THE CUSTOMERS CONTINUALLY BY BLENDING

TRADITION WITH TECHNOLOGY TO DELIVER INNOVATIVE

PRODUCTS AND SERVICES AT AFFORDABLE RATES THROUGH A

PAN INDIA BRANCH NETWORK

Welcome to Karur Vysya Bank the bank that carries with it a tradition of 96

years and yet is young enough to adapt itself to the rapidly changing scenario in thebanking industry.

Origins:

Karur Vysya Bank was started in the year 1916 in Karur, then a small textile town

with a vast agricultural background, by two illustrious sons of the soil Sri M.A.

Venkatarama Chettiar and Sri Athi Krishna Chettiar. What started as a venture

with a seed capital of Rs. 1.00 lakh has grown into a leading financial institution

that offers the wide gamut of financial services to millions of its customers under

one roof.

Financial landmarks of the bank as of 31.03.2012:

Total business of the bank was at Rs. 56316 cr. with total deposits at Rs. 32111 cr.and total advances at Rs. 24205 cr.

The net profit of the bank for fiscal 2011-12 was Rs. 501.72 cr. The net owned funds of the bank are Rs. 2708.22 cr. The bank has a Capital Adequacy Raito of 14.33% (Basel II) as against the RBI

stipulated norm of 9%.

The Net NPA was at 0.33%.


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The bank has been earning profits since inception and has been declaring dividenduninterruptedly.

The bank has declared 100% dividend since 2003-04. Since 2007-08, the dividendwas 120%. It has been proposed to declare a dividend of 140% for 2011-12.

A snapshot of the Banks performance under various parameters for the past

three is as follows:

(Rs. In crores)

Particulars 2009-10 2010-11 2011-12

Deposits 19272 24722 32111

Advances 13675 18052 24205

Net Profit 336.03 415.59 501.72

Capital Funds 1619.98 2136.98 2708.22

Capital Adequacy 14.49% 14.41% 14.33%

Net NPA 0.23% 0.07% 0.33%

Branch and ATM network:

The bank had a branch network of 451 and an ATM network of 825 as on

31.03.2012. The bank plans to improve the branch network to 570 by the end of

the financial year 2012 -13.

(For the latest network details, please see "KVB improves its network" under

Latest News in the home page).

Technological accomplishments:


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KVB is one of the earliest banks in the country to achieve full networking of its

branches under Core Banking Solutions, offering services through alternate

delivery channels.

Any Branch Banking Multicity Account facilities for both current and savings bank customers. Internet Banking On line utility bill payments and shopping facilities On line payment of electricity bill in Tamilnadu through Net Banking e-commerce facilities Mobile Banking with Interbank Mobile Payment Services enabled by NPCI Point of sale machines Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer

(NEFT) facilities at all branches

VISA and MasterCard Debit card facility with a card base of over 2 million Anmol Rewards for use of KVB Debit card for POS and e-POS transactions On-line rail and air ticket booking using KVB VISA Debit card VISA enabled Gift and Travel Cards Access to over 850 KVB ATMs and over 13000 domestic ATMs and over 1

million VISA ATMs worldwide

Card to Card and Card to account transfer of funds through KVB ATMs Payment of institutional fees through ATMs 24 X 7 toll free professional help desk services for all ATM, Internet Banking,

Mobile Banking and e-commerce transactions

Top

Banking and Para banking services:
http://www.kvb.co.in/global/bank_profile.html#tophttp://www.kvb.co.in/global/bank_profile.html#top


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KVB offers several deposit and loan products, tailormade to cater to the specificneeds of customers

The bank offers NRE / FCNR deposits and remittance services to NRIs The bank offers all types of general insurance policies through a tie-up with M/s

Bajaj Allianz General Insurance Company

The bank offers life insurance policies through a tie-up with M/s Birla Sun LifeInsurance Company

The Bank distributes the Mutual Fund products of UTI, SBI MF, Reliance MF,Sundaram BNP Paribas MF, Birla Sunlife MF, Franklin Templeton MF and LIC

MF

The Bank is a Depository Participant through NSDL and opens demat accounts ASBA facility is available Off-line and on-line trading facility is available to the demat customers enabled

through a tie-up with M/s Religare Securities Ltd and M/s IDBI Caps respectively

KVB is one of the authorized banks to open accounts under the New PensionScheme.

KVB POS terminal facility is available at merchant establishments. KVB sells pure 24 carat Assay certified Gold Coins and bars and silver coins and

bars.

Accolades:

The performance of the bank has been consistently recognized by leading

publications and other organizations.

Bloomberg UTV Financial Leadership Awards, 2012 has conferred the Best

Private Sector Bank on KVB

Other accolades showered on the bank are:


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supermarket. KVB will continue its endeavours to bring the best of products and

services to its customers to emerge as the techie bank that provides the gateway to

Smart Way to bank.

For more information about the bank, its products and also to record your

feedback, please log on towww.kvb.co.in

WHAT THEY SAID ABOUT KVB:

Dr. Manmohan Singh on the occasion of KVBs Platinum Jubilee celebrations in

1991, -The performance of KVB in the matter of productivity is to be

emulated by public sector banks.

Sri P. Chidambaram during the 80th Anniversary celebrations of KVB in 1996 -

KVB is to be congratulated for its standing as one of the leading Banks in

the private sector. KVB is one of the safest banks.

Dr. C. Rangarajan, while inaugurating KVB Towers at Chennai in 2001 - KVB

can be regarded as a fine example of how a medium sized bank can effectively

play its part in promoting the regional development and attending to the

needs of small and medium entrepreneurs.

Smt. Shyamala Gopinath, Deputy Governor, Reserve Bank of India on the

occasion of the 90th Anniversary celebrations of KVB in 2006 KVB is almost

on par with new generation private banks in technology. It has implemented
http://www.kvb.co.in/http://www.kvb.co.in/http://www.kvb.co.in/http://www.kvb.co.in/


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Core Banking Solution across the bank including rural branches. Using this

technology platform, it has enabled multiple delivery channels viz., ATM

network, VISA Debit Cards, Mobile Banking and Internet Banking. All these

initiatives are indeed a fitting tribute to the visionary founders of KVB.

Dr. A P J Abdul Kalam, Chief Guest at the Founders Day celebration in 2007 - I

would like to quote Mahatma Gandhi who had said The difference between

what we do and what we are capable of doing would suffice to solve more of

worlds problems. This has been proved by the Karur Vysya Bank by rising

to the occasion, facing challenges and coming out gloriously from every

situation.

Smt. Sheila Dikshit, Chief Guest at the Founders Day Celebrations in 2008

KVB being a small bank is not only a beautiful bank but also a special

bank. The bank has maintained its standards over the years, helping various

types of entrepreneursbig, small and micro and thereby created a niche for

itself amongst the customers.

Sri S.S. Tarapore, Economist, Chief Guest at the Founders Day Celebrations in

2010I salute the Founders for their vision and spirit of service which led to

the setting up of the bank as also succeeding generations of the bank

leadership who upheld the basic values instilled by the Founding Fathers and

made this bank a role model for others to emulate.


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Sri K. Rosaiah, H.E. the Governor of Tamil nadu at the Founders Day

Celebrations in 2011 Karur Vysya Bank is a doyen in the banking sector

built on the edifice of trust, faith and efficient and quick service. Efficient

functioning of the bank and sustained efforts of each and every officer and

staff has placed the bank in a high pedestal in the banking sector. Services of

Karur Vysya Bank are appreciated by the customers and that is the real

strength of the bank.

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