Karnataka Bank Ltd. · NSE:KTKBANK
Karnataka Bank — FY2023 Earnings Presentation
66 slides from Karnataka Bank's earnings presentation, March 2023
Slide 1: Investor Presentation March 2023
Investor Presentation March 2023 99 years of consistent value creation 1
Slide 2: Contents and Disclaimer
Contents and Disclaimer Content Page Key Highlights 3-4 Financial Results FY23 6-40 Bank Overview 41-45 Business Strategy 46-49 Digital Banking 50-60 Annexures 61-66 • This presentation has been prepared by Karnataka Bank (the “Bank”) solely for providing information about the Bank. This presentatio
Slide 3: Key Highlights FY23
Key Highlights FY23 Operating Profit Deposit Growth Loan Growth Asset Quality • 35.14% YoY growth in operating • CASA deposits increased by • Advances grew by 5.58% YoY Improvement in 8.71%YoY profit to Rs. 2028.23crore • Yield on advances improved by Provision Coverage Ratio by 7.39% to • CASA prop
Slide 4: Key Strengths
Key Strengths Strong, diverse sources of income • Well balanced lending profile including Retail, Corporate Aggressive digital strategies to be and MSME future ready • Revenue diversity with a fee income ratio of 12.09% • Undergoing accelerated journey to become a highly and growing digitally focuse
Slide 5: Contents
Contents Financial Results Bank Business Digital Q4/ 12M FY23 Overview Strategy Banking 5
Slide 6: Financial Results FY2023
Financial Results FY2023 6
Slide 7: FY23: Brief
FY23: Brief I am pleased to share that for FY23, we've made significant progress in all fundamental KPIs, primarily in Loan Advances, expanding Net Interest Margin (NIM), and maintaining a steady CASA base. These highpoints, backed by leading productivity metrics, embody our optimistic outlook as we
Slide 8: Driving Growth & Profitability
Driving Growth &Profitability ₹ in Cr Deposits Advances (Net) March 23 March 22 March 23 March 22 87,368 80,387 8.68% 5.58% 59,952 56,783 58,561* 53,887* 30,862* 29,666* *Retail Deposits *Retail Advances Investments Balance Sheet Size March 23 March 22 5.83% 8.16% March 23 March 22 23,326 22,041 99,
Slide 9: Expanding Spreads, Returns & Strength
Expanding Spreads, Returns & Strength NIM CRAR 12M FY23 12M FY22 12 FY23 12 FY22 3.70% 3.18 % 52bps 179bps 17.45% 15.66 % ROE ROA 12 FY23 12 FY22 801 bps 65bps 12M FY23 12M FY22 15.42% 7.41 % 1.21% 0.56 % CASA 739bps PCR 12M FY23 12M FY22 12M FY23 12M FY22 32.97% 32.97 % 80.86% 73.47 % 9
Slide 10: Improving Quality of Assets
Improving Quality of Assets Gross NPA Net NPA 12M FY23 12M FY22 12M FY23 12M FY22 16bps 72bps 3.74% 3.90% 1.70% 2.42% ₹ in Cr ₹ in Cr Recovery from Written Off Accounts 15.34% 50.69% NPA Provision during the year 12M FY23 12 MFY23 12M FY23 12M FY23 283.41 245.72 889.95 590.61 10
Slide 11: Continuity of Sustained Growth
Continuity of Sustained Growth Business Turnover 1,60,000 1,47,320 1,40,000 1,37,170 1,27,171 1,20,000 1,00,000 80,000 87,368 80,387 75,655 60,000 56,783 59,952 40,000 51,516 20,000 - MAR-21 MAR-22 MAR-23 Turnover Advances deposit 11
Slide 12: Headline Numbers on Standalone basis
Headline Numbers on Standalone basis ₹ in Cr 3 Months 12 Months Particulars Q4 FY 23 Q4 FY 22 Y-o-Y Q3 FY 23 31-03-2023 31-03-2022 Y-o-Y Turnover 1,47,320 1,37,170 7.40% 1,47,129 1,47,320 1,37,170 7.40% Asset size 99,058 91,584 8.16% 1,00,246 99,058 91,584 8.16% Operating profit 685.76 380.12 80.41%
Slide 13: Summary Financial Statement
Summary Financial Statement on Standalone basis ₹ in Cr Noteworthy items impacting profitability for FY23: Particulars 3 Months 12 Months Q4 FY 23 Q4 FY 22 Y-o-Y Q3 FY 23 31-03-2023 31-03-2022 Y-o-Y • Increased accelerated provisioning Interest Income 1,969.30 1,578.78 24.74% 1,850.80 7,220.23 6,221
Slide 14: Summary Consolidated Financial Statement
Summary Consolidated Financial Statement ₹ in Cr 3 Months 12 Months Particulars Q4 FY 23 Q4 FY 22 Y-o-Y Q3 FY 23 31-03-2023 31-03-2022 Y-o-Y Turnover (₹ in Cr) 1,47,320 1,37,170 7.40% 1,47,128 1,47,320 1,37,170 7.40% Asset size (₹ in Cr) 99,057 92,040 7.62% 1,00,245 99,057 91,584 8.16% Operating pro
Slide 15: Shareholder Value
Shareholder Value Book Value (Rs per share) & EPS (Rs per share) Annualized Shareholding Pattern 270.00 251.89 262.96 40.00 242.64 228.01 231.64 219.32 223.95 37.88 213.67 217.08 35.00 220.00 30.00 Foreign 170.00 Portfolio 25.00 Indian Public Investors 26.54 67% (FPIs) 20% 120.00 20.00 16.23 16.36 1
Slide 16: Yields, Rates & Margins
Yields, Rates & Margins ₹ in Cr 3 Months 12 Months Particulars Q4 FY 23 Q4 FY 22 Y-o-Y Q3 FY 23 31-03-2023 31-03-2022 Y-o-Y Interest Income Interest Income 1,969.30 1,578.78 24.74% 1,850.80 7,220.23 6,221.66 16.05% Interest on Advances 1,507.25 1,211.50 24.41% 1,447.13 5,584.91 4,737.88 17.88% Inter
Slide 17: Yields, Rates & Margins
Yields, Rates & Margins Net Interest Income: • Net Interest Income grew to Rs. 3,185.10Cr in FY23 as against Rs. 2,491.03Cr in FY22 with Y-o-Y growth of 27.86% Net Interest Margin: • Net interest Margin grew by 62bps in FY23 to 3.87% Cost to Income (%) & NIM (%) 60.00 4.10 3.90 55.00 56.50 3.87 3.70
Slide 18: Income & Profit (quarterly)
Income & Profit (quarterly) OPERATING REVENUE (Rs in Cr) OPERATING & NET PROFIT (Rs. In Cr) 9,000 8,213 9,000 2,500 2,371 7,637 2,208 8,000 7,176 8,000 1,908 2,000 1,634 1,684 7,000 7,000 6,000 6,000 1,500 1,283 1,180 5,000 5,000 4,000 1,000 993 4,000 3,000 1,404 954 483 509 2,000 3,000 500 3,185 1,
Slide 19: Other Income & Expenses
Other Income & Expenses Other Income ₹ in Cr 3 Months 12 Months Particulars Q4 FY 23 Q4 FY 22 Y-o-Y Q3 FY 23 31-03-2023 31-03-2022 Y-o-Y Locker Rent 0.65 0.85 -23.53% 1.18 40.84 37.94 7.64% Debit Card Charges 54.71 37.75 44.93% 2.20 64.27 43.74 46.94% Commission on Insurance 16.32 12.84 27.10% 15.40
Slide 20: Productivity Ratios Trends
Productivity Ratios Trends OPERATING PROFIT PER EMPLOYEE (RS IN CR) OPERATING PROFIT PER BRANCH 0.26 (RS IN CR) 0.24 0.26 0.23 0.24 0.24 0.24 0.21 0.23 0.21 0.19 0.20 0.19 0.19 0.19 0.20 0.19 0.19 MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-2
Slide 21: Loan Growth momentum
Loan Growth momentum ADVANCES (NET) (RS IN CR) 62,532 TOTAL LOAN GROWTH % (Y -O-Y) 59,952 59,872 58,359 56,783 55,578 13.03 12.51 54,342 51,631 51,516 10.22 10.18 4.49 5.58 0.45 MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-22 DEC-22 MAR-23 -4.76 -9.56 MAR-21 JUN-21 SEP-21 DEC-21 MAR-22 JUN-22 SEP-2
Slide 22: Trends: Loans - Deposit Ratio, Yield & Sectors
Trends: Loans - Deposit Ratio, Yield (cumulative) & Sectors YIELDS CREDIT TO DEPOSIT RATIO (%) TERMINAL 10.00 9.24 9.41 6.00 9.05 8.93 8.92 9.15 8.89 8.84 8.81 73.92 9.00 73.34 5.50 72.43 8.00 4.75 4.79 70.86 4.68 5.00 70.65 70.64 7.00 4.34 4.19 4.18 4.18 4.50 68.62 4.11 68.09 67.74 6.00 3.76 4.00 5
Slide 23: Retailisation Begins
Retailisation Begins We have embarked on a "Retailisation” strategy, aimed at judiciously growing our Retail assets portfolio and changing the mix of Gross Advances, while gradually reducing the share of Large Corporate Loans. By placing strategic emphasis on key sectors specifically Home Loans and
Slide 24: Loan portfolio: Geographical credit concentration
Loan portfolio: Geographical credit concentration GBC NPA Restructured Portfolio State Balance Balance Balance % to GBC % to GBC State wise % % to GBC State wise % Outstanding Outstanding Outstanding 28,101.63 45.84 1,031.12 1.68 3.67 1,966.94 3.21 7.00 Karnataka (26,361.60) (45.63) (1,043.00) (1.81
Slide 25: Trends: Improving Recoveries & Provision Coverage
Trends: Improving Recoveries & Provision Coverage Gross and Net NPA Recovery in Written Off A/Cs (Rs in Cr) 300.00 283.41 4.91 4.84 4.52 245.72 4.11 250.00 3.90 4.03 3.74 3.36 3.28 200.00 171.56 174.32 178.17 3.19 3.02 2.85 150.00 123.14 121.56 2.48 2.42 2.16 100.00 65.09 1.72 1.66 1.70 50.00 MAR-21
Slide 26: FY23: NPA break-up
FY23: NPA break-up Composition of GNPA Size wise NPA Doubtful Rs 7.5 Cr to 60.23% Rs 50 Cr Loss Assets 31.40% 10.06% Rs 1 Cr to 719.99 cr 1381.03 cr 230.73 cr Rs 7.5 Cr 33.76% Above Rs 774.13 cr 69.47 cr 50 Cr 681.15 cr 3.03% 729.32 cr Upto Rs 1 Sub Cr Standard 31.81% 29.71% Credit Portfolio wise NP
Slide 27: NPA movement
NPA movement Movement in NPA during 12M FY23 MSME Particulars Amount 49.53% Opening GNPA 2,250.82 Additions 1,836.64 Agriculture 24.19% Sub Total ( A ) 4,087.46 Reduction Up-gradation 401.70 Recoveries (excluding 886.59 upgraded accts) Others Large Ent. 4.53% 7.51% Technical Write Offs 491.15 NBFC 0
Slide 28: NPA Provisioning Breakup
NPA Provisioning Breakup Top 25 NPA accounts and provisions held (₹ crs) No. of NPA Classification Net Balance Provision held Provision % Borrowers Sub Standard 11(10) 241.83(172.57) 70.32(26.29) 29.08(15.23) Doubtful 1 7(5) 177.16(74.24) 137.64(55.09) 77.69(74.20) Doubtful 2 1(9) 15.67(188.61) 15.6
Slide 29: Asset Quality – Restructured Portfolio
Asset Quality – Restructured Portfolio (₹ crs) Restructured Portfolio –Details Q4 FY 23 Particulars FY 22 Standard NPA Total Restructured Amount 2,570.88 630.51 3,201.39 4,478.27 Provision made thereon 265.03 364.7 629.73 735.11 % Provision 10.31% 57.84% 19.67% 16.42% Q4 FY 23 Particulars SMA -2 NPA
Slide 30: Asset Quality – Restructured Portfolio
Asset Quality – Restructured Portfolio Standard Restructured Portfolio –Movement Standard Restructured Portfolio –Break-up (₹ crs) Particulars FY 23 Others Personal Loans Agriculture Opening balance 4,115.18 0.48% 3.07% 3.98% CRE MSME Fresh restructuring during the period 31.22 35.75% 5.59% Increase
Slide 31: Asset Quality: Effective Risk Management
Asset Quality:Effective Risk Management Bank’s Risk Management practices and processes have been accredited ISO 9001: 2015 with the ISO 9001: 2015 standard on Quality Management Systems Dedicated Market Internal Credit Rating for Intelligence Unit borrowers above ₹ 25 lakh and (MIU) for ‘Pool based
Slide 32: Sustained Deposit Franchise
Sustained Deposit Franchise Healthy Share of CASA & Strong Liquidity Profile Diversified Deposit Mix 120.00% Deposits (₹ crs) 80387 87368 14.00% Growth rate (y-o-y) 75654.86 100.00% 12.00% 80.00% 10.00% 8.68% 8.68% 68.50% 67.03% 67.03% 8.00% 6.23% 6.25% 60.00% 6.00% 3.98% 40.00% 4.00% 1.65% 2.00% 20
Slide 33: Strong Core Deposit Franchise
Strong Core Deposit Franchise CASA - % 28,807.07 CASA - Amount (Rs in Cr) 34.00 26,991.76 26,790.39 26,499.59 26,429.34 33.00 24,549.42 23,823.32 23,752.38 23,490.00 32.00 31.00 30.00 29.00 28.00 27.00 26.00 25.00 33
Slide 34: Capital Management - Returns & Adequacy
Capital Management - Returns & Adequacy Return on Assets (%) Return on Equity (%) 1.21% 18.00% 1.20% 15.42% 16.00% 1.00% 14.00% 12.00% 0.80% 10.00% 0.57% 0.56% 7.65% 7.41% 0.60% 8.00% 6.00% 0.40% 4.00% 0.20% 2.00% 0.00% 0.00% Mar-2021 Mar-2022 Mar-2023 Mar-2021 Mar-2022 Mar-2023 Capital Adequacy (%)
Slide 35: Guiding Returns Towards Higher Levels
Guiding Returns Towards Higher Levels R. O. E. (%) R. O. A. (%) 15.42 1.21 14.74 14.36 1.14 1.10 7.65 7.41 7.41 6.89 6.34 6.39 0.57 0.57 0.56 0.53 0.49 0.49 MA R - 2 1 JUN-21 SEP-21 DEC-21 MA R - 2 2 JUN-22 SEP-22 DEC-22 MA R - 2 3 MA R - 2 1 JUN-21 SEP-21 DEC-21 MA R - 2 2 JUN-22 SEP-22 DEC-22 MA R
Slide 36: Capital Management - Capital Adequacy
Capital Management - Capital Adequacy Risk Weighted Assets 82.78% 83.36% 83.76% Particulars 31-03-2021 31-03-2022 31-03-2023 80.50% Risk Weighted Assets- Total 49,759.61 51,855.44 53,378.41 60.50% Total Capital Fund (Basel III) 7,387.05 8,118.55 9,312.53 40.50% Total Tier I Capital 6,140.39 6,558.19
Slide 37: FY23: Provisions
FY23: Provisions Provision Provision PCR 80.86% Category during during FY 23 FY 22 Non performing Assets 889.95 590.61 Standard advances -39.3 278.97 73.47% Non- performing Investments 0 10.00 69.99% Fair Value -82.19 48.11 Tax 260.8 185.94 Others -1.28 11.75 Mar-21 Mar-22 Mar-23 Total 1,027.98 1,12
Slide 38: FY23: Provisions
FY23: Provisions Sector-wise PCR % 100.00% 80.00% 60.00% 40.00% 20.00% 0.00% NBFC* CRE Agri MSME Housing Personal Loans Vehicle Loans Others Total PCR %(incl TW) 100.00% 96.28% 74.72% 72.54% 62.64% 61.60% 90.82% 97.47% 80.86% PCR % (excl TW) 0.00% 88.20% 52.07% 52.74% 44.47% 35.41% 85.13% 83.78% 55.
Slide 39: Investments
Investments Investments [excl. RIDF] (Rs in crs) Investment AFS 24000 23,325.60 24% 21,635.18 22,041.00 22000 20000 18000 HTM 16000 76% 14000 Duration (%) 12000 AFS HFT HTM TOTAL 10000 Mar-2021 Mar-2022 Mar-2023 3.47 0.00 5.28 4.88 Yield on Investment (%) 6.02% Liquidity Coverage Ratio (%) 5.96% 317
Slide 40: Financial Strength
Financial Strength Capital and Reserves* (₹ crs) Business Turnover (₹ crs) 7857 1,60,000 1,47,320 8000 6642 7095 1,37,170 7000 1,40,000 1,21,171 6000 1,20,000 59,952 56,783 5000 1,00,000 51,516 7901 4000 6784 80,000 6331 3000 60,000 2000 40,000 80,387 87,368 75,655 1000 20,000 0 311 311 312 - Mar-21
Slide 41: Bank Overview
(ee Yoars of Trust S24 ie Family Bonk, Across Inala. Bank Overview
Slide 42: Overview: Serving India since 1924
Overview: Serving India since1924 Our MISSION is to be a technology Our VISION is to be savvy, customer centric progressive progressive, bank with a national presence, prosperous and well driven by the highest standards of governed Bank corporate governance and guided by sound ethical values. 12 mil
Slide 43: Overview: Serving India since 1924
Overview: Serving India since 1924 Metro Urban Semi Urban Rural 23% 28% 7 4 2 8 21 1 9 10 2 23% 1 26% 7 3 16 20 5 8 Branches ATM & Recyclers Top 5 States 53 1600 1,463 1,474 1,445 Karnataka 575 26 1400 Maharashtra 53 7 43 1200 877 885 901 575 1000 Tamilnadu 51 1 800 Andhra Pradesh 43 51 600 21 400 T
Slide 44: 100 Years of Trust and Resilience
100Years of Trust and Resilience 1924 1949 1960-66 1972 1974 Incorporation Silver Jubilee Takeover Own Head Office Golden Jubilee Incorporated on 18th of Year Sringeri Sharada Bank in building Year February with an initial paid 1960 Turnover: Rs 94.98 lakhs Bank's own multistoried Turnover: Rs 55.23
Slide 45: 100 Years of Trust and Resilience
100Years of Trust and Resilience 1984 1991-99 2000-17 2017-20 2020-22 Diamond Jubilee Growth Technology Transformation KBL –NxT Year Business Turnover crossed adoption & branding Transformation Project ‘KBL Operationalized wholly Rs 1000 Cr in 1991 – VIKAAS’ launched owned non-financial Turnover: Rs
Slide 46: Business Strategy
Business Strategy 46
Slide 47: Core Strategy: Transformative Digitalisation
Core Strategy: Transformative Digitalisation KBL Digital Vikaas Bank of the 2.0 Future New transformation End to end digital journey solutions under KBL-NxT 47
Slide 48: Strategic Road Map
Strategic Road Map • Clients‟ first choice for banking • Meaningful impact on our • Great place to work communities Responsible risk Extraordinary client Profitable revenue First class management experience growth workplace • Embrace Risk Management. • Delight the client • Acquire, Grow and retain c
Slide 49: Core Strategy: 5 Pillars for FY2022-23
Core Strategy: 5 Pillars for FY2022-23 Implementation Integrated Opening of Growth ESG of KBL-NxT Management of DBUs Management Asset Quality KBL- VIKAAS 2.0 and Cyber Fraud Management SMA, NPA, Restructured Portfolio, - Technical written-off (Digital Banking Units) as per RBI Guidelines 04 04 Credi
Slide 50: Digital Banking
Digital Banking 50
Slide 51: Digital initiatives FY23
Digital initiatives FY23 Banking services Launching of „KBL Under NPCI Projects gone through Whatsapp SAMRIDDHI‟ – Wealth live with UPI Mapper and Introduction of „eTHIC‟ a Channel management product UPI GST enhancements. new tool for Automation of Audit Functions 01 02 03 04 VDEFEND-A Digital tool
Slide 52: KBL @ Banking Digital: Projects in pipeline
KBL @Banking Digital 99 : Projects in pipeline for Impact NxT Account Aggregator Comprehensive Financial Data @ One Place 01 S.E.E.D Secure & Compliant KYC Automation Onboarding & Compliance @ One Place 04 Ease & Experience Efficient & Empowered 02 MSME Banking Platform Comprehensive Financial servi
Slide 53: Digital Banking: Robust technology and digital platforms
Digital Banking: Robust technology and digital platforms EnabledPlatform Enabled Platformfor forDigital Digitalsanction sanctionOfOfHome State-of-art IT setITup State-of-art setwhich has enabled up which Anytime has enabled Home loans, Personal loans, loans, Personal loans, Car loans,Car2-wheeler lo
Slide 54: Digital Banking: Digital Centre of Excellence (DCoE)
Digital Banking: Digital Centre of Excellence (DCoE) Accelerating Digital Transformation Catalyst Digital Leads Enabling reach digitally 30,000+ customer queries addressed 2500+ as a Xpress Loan assistance. 04 02 Risk Reduction Improving Asset Quality ( Cibil V3 >701 Score Portfolio) 03 >79.4% 24000
Slide 55: Digital Banking: Strong foundation of digital capabilities and enablers
Digital Banking:Strong foundation of digital capabilities and enablers Digital Mobile Banking Internet Banking KBL BHIM UPI KBL -mPassBook Channels KBL Xpress Home KBL Xpress Car KBL Xpress Cash KBL Xpress Mortgage Loan Loan Loan Loan KBL Xpress Journeys 04 KBL Xpress Term Loan CV Loan KBL Xpress SB
Slide 56: Digital adoption and underwriting
Digitaladoption Digital adoption & and underwriting underwriting 93.37% of 93.04% of customer customer transactions transactions are are through through Digital means Digital means KBL Xpress Home Loans 4.56 Customer Rating 93.04% of customer transactions are through 5 PointDigital Scale means KBL X
Slide 57: Digital Adoption: Mobile Banking
Digital Adoption: Mobile Banking No.of Regd Users(Actuals) 26,04,944 27,25,658 28,35,163 29,50,015 23,85,999 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 No. of Transactions (in 000’s) Avg. Transactions per day (in 000’s) 156 148 134 135 125 71 68 67 69 58 13599 14067 11508 12186 12401 5936 6057 6322 6506 616
Slide 58: Digital Channel: Debit Cards
Digital Channel: Debit Cards Debit cards Penetration Total cards issued (Lakhs) Penetration (%) 87.01 86.83 86.51 86.29 85.82 51.13 51.85 51.85 51.37 51.81 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Total ATM transactions by our Debit Card holders(lakhs) Shared Network (VISA/NFS) (lakhs) KBL ATM (lakhs) 186
Slide 59: Digital Channel: UPI Transactions
Digital Channel: UPI Transactions No. of Transactions (in 000's) Avg. Transactions per day (in 000's) UPI Txns count 3200 2908 2550 2616 2263 267559 288040 232094 240643 208231 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Value of Transactions (in Crore) Avg. value of Transactions per day (in Crore) UPI Txn V
Slide 60: Analytical Centre of Excellence
Analytical Centre of Excellence Karnataka Bank’s vision… … Objectives of ACoE Robust, cloud enabled, P Predict & Prioritise To emerge as the scalable data infrastructure Develop Predictive, “Digital Bank of Business/Strategy & Descriptive analytics use-cases the Future” by A Analyse & Automate embed
Slide 61: Annexures
Annexures 61
Slide 62: FY23: Asset Quality - Top Borrowers under external rating
FY23: Asset Quality-Top 50 Borrowers under external rating Of Which, NPA Of Which, SMA-2 Of Which, Restructure Balance O/s Rating No of Borrowers % to GBC No of Balance O/s No of Balance O/s No of Balance O/s % to Std (in cr) Borrowers (in cr) Borrowers (in cr) Borrowers (in cr) Advances AAA 16 5831
Slide 63: FY23: Asset Quality - External rating of NBFC portfolio
FY23: Asset Quality - External rating of NBFC portfolio Of Which, NPA Of Which, SMA-2 Of Which, Restructure Balance O/s Rating No of Borrowers % to GBC No of Balance O/s No of Balance O/s No of Balance O/s % to Std (in cr) Borrowers (in cr) Borrowers (in cr) Borrowers (in cr) Advances AAA 16 5831.57
Slide 64: FY23: Asset Quality - Borrowers under external rating
FY23: Asset Quality - Borrowers under external rating Funded O/s Of Which, NPA Of Which, SMA-2 Of Which, Restructure Rating No of Borrowers Bal % to GBC No of Funded O/s Bal No of Funded O/s Bal No of Funded O/s Bal % to Std (in cr) Borrowers (in cr) Borrowers (in cr) Borrowers (in cr) Advances AAA
Slide 65: Asset Quality – NPA & Slippage
Asset Quality – NPA & Slippage SMA 2 (₹ crs) SMA 1 (₹ crs) 1200 2.00% 1200 2.00% 1.75% 1.75% 1.80% 1.80% 1000 1000 1.41% 1.60% 1.41% 1.60% 1.35% 1.35% 1.40% 1.40% 800 800 1.02% 1.20% 1.02% 1.20% 600 0.89% 1.00% 600 0.89% 1.00% 1002.22 0.80% 1002.22 0.80% 400 795.82 869.46 869.46 0.60% 400 795.82 0.6
Slide 66: Thank You
Thank You 66