Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q1 FY2017 Earnings Presentation
16 slides from Karur Vysya Bank's earnings presentation, Jun 30, 2016
Slide 1: Investor Presentation
Investor Presentation 30.06.2016
Slide 2: Q1FY17 Results Snapshot
Q1FY17 Results Snapshot Branches Deposits Advances CASA 675 Rs. 50,715 crore Rs. 39,381 crore Rs. 12,317 crore (↑ 11.1%) (↑ 5.8) (↑ 15.7%) ATMs 1,674 Net Profit ROA NIM Net NPA Rs. 146.35 crore 1.00% 3.52% 0.79% (↑ 8.75%) (1.00%) (3.30%) (0.88%) 2
Slide 3: Profit & Loss Account
Profit & Loss Account Units: Rs crore Quarter Ended Particulars Q1FY17 Q1FY16 YoY% Net Interest Income 481 423 14% Other Income 162 162 0% Total Income 643 585 10% Operating Expenses 360 289 25% Operating Profit 283 296 (-)4% Provisions 67 118 (-)43% Credit Related 75 99 -- Others (8) 19 -- Profit B
Slide 4: Key Ratios (For the quarter ended)
Key Ratios (For the quarter ended) Net Interest Margin Cost to Income % 4.00% 65% 3.80% 59.47% 3.55% 3.52% 3.60% 3.47% 60% 3.39% 56.01% 3.30% 3.40% 55% 3.20% 49.47% 47.57% 3.00% 50% 2.80% 44.77% 2.60% 45% 2.40% Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 40% Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Return on Asset
Slide 5: Other Ratios
Other Ratios Particulars Q1FY17 Q1FY16 Yield on Advances 11.36% 11.88% Cost of Funds 6.96% 7.62% Yield on Invest. 7.34% 7.41% NIM 3.52% 3.30% Business/Emp. (Rs crore) 12.47 11.51 Profit/Emp. (Rs lakh) 8.11 7.48 No. of Employees 7,220 7,196 5
Slide 6: Advances
Advances Units: Rs crore Particulars Q1FY17 Q1FY16 YoY % Advances 39,381 37,220 6% Corporate 13,202 13,557 (-)3% Commercial 12,905 11,786 9% Agriculture 7,265 6,486 12% Retail (Personal Banking) 6,009 5,391 11% Jewel Loan 6,363 6,695 (-)5% (included in other segments) 6
Slide 7: Break-up of Manufacturing Sector
Break-up of Manufacturing Sector Units: Rs crore Particulars Q1FY17 Q1FY16 YoY % Power 1,056 1,379 (-)23% Infra (Ex-Power) 2,085 1,813 15% Textiles 3,535 2,974 19% Metals & Metal Products 1,284 1,578 (-)19% Chemicals 545 833 (-)35% Others 4,495 4,698 (-)4% Total 13,000 13,275 (-)2% 7
Slide 8: NPA Details
NPA Details Units: Rs crore Gross and Net NPA 800 713 732 721 702 600 511 400 323 355 360 306 216 200 0 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Gross NPA Net NPA 1.91% 1.96% 1.91% 2.0% 1.79% 1.30% 0.96% 0.96% 1.0% 0.88% 0.79% 0.55% Gross NPA % Net NPA % 0.0% Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Provision C
Slide 9: Movement of Restructured Assets
Movement of Restructured Assets Units: Rs crore Apr 16 to Jun 16 2 21 55 1,355 1,281 Opening Balance Additions Reductions Slippage to NPA Closing Balance % of Advances 3.44% 0 0.05% 0.14% 3.25% 9
Slide 10: Deposits Breakup
Deposits Breakup Units: Rs crore Particulars Q1FY2017 Q1FY2016 YoY % Total Deposits 50,715 45,659 11% CASA 12,318 10,650 16% CASA Mix % 24.3% 23.3% Demand 4,249 4,038 5% Savings 8,069 6,612 22% Term Deposits 38,397 35,009 10% 10
Slide 11: Distribution Network
Distribution Network Statewise Branches Particulars Mar-15 Mar-16 Jun-16 Branches 629 667 675 1 7 14 4 ATMs 1,645 1,655 1,673 3 6 15 3 2 16 Regional Mix (Mar-16) 1 5 26 Rural, 16% Metro, 20% 48 1 46 96 6 16 359 Semi-Urban, 36% Urban, 28% 11
Slide 12: Breakup of Other Income (Quarter)
Breakup of Other Income (Quarter) Units: Rs crore Particulars Q1FY17 Q1FY16 YoY % Total 162 162 0% Fee Income 147 151 (-)3% Forex 10 9 11% Commissions 124 127 (-)2% Other 13 15 (-)13% Profit on Sale 15 11 36% of Investments 12
Slide 13: Breakup of Provisions (Other than Tax)
Breakup of Provisions (Other than Tax) Units: Rs crore Particulars Q1FY17 Q1FY16 YoY % Total Provisions 67 118 (-)43.2% NPA 94 124 (-)24.2% Standard Assets (-)4 4 Restructured (-)6 (-)29 Investment (-)7 19 Others (-)10 -- 13
Slide 14: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio (Basel III) 16% 14% 13.19% 13.00% 12.90% 0.94% 0.95% 12.17% 12% 0.94% 11.67% 0.91% 0.81% 10% 8% 6% 12.25% 12.05% 11.96% 11.26% 10.86% 4% 2% 0% Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Tier 1 Tier 2 14
Slide 15: A Decade of Progress
A Decade of Progress Units: Rs crore Year 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 Paid up Capital 49.49 53.94 53.95 54.44 94.49 107.18 107.18 107.18 121.63 121.86 Reserves 1013.67 1136.06 1296.21 1565.54 2020.05 2601.04 2978.01 3219.16 4124.40 4451.09 Owned fu
Slide 16: Smart
16 Smart