Karur Vysya Bank Ltd. · NSE:KARURVYSYA

Karur Vysya Bank — Investor Presentation (December 2013)

21 slides from Karur Vysya Bank's investor presentation, December 2013

  1. Slide 1: Investor Presentation December 2013

    Investor Presentation December 2013

  2. Slide 2: Business Performance

    Business Performance (`. in crore) Nine months ended Year Growth Growth (%) Particulars ended (Annualised) (%) Dec 13 Dec 12 Mar 13 Business 76,833 62,811 22.32 68,359 16.53 Gross Deposits 43,727 35,494 23.20 38,653 17.51 Gross Advances 33,106 27,317 21.19 29,706 15.25 Average Deposits 41,609 33,262

  3. Slide 3: Operating Profit & Net Profit – 9M (YoY)

    Operating Profit & Net Profit – 9M (YoY) Operating Profit •Operating Profit increased by 628.50 608.97 3.21% from ` 608.97 crore to ` 391.74 628.50 crore Net Profit 310.01 • Net Profit decreased by 20.86% from ` 391.74 crore Operating to ` 310.01 Crore . Profit Net Profit Dec-12 Dec-13 3

  4. Slide 4: Performance Highlights

    Performance Highlights (` in crore) Nine months ended Year Growth Particulars ended Dec 13 Dec 12 (%) Mar 13 Net Interest Income 935.37 848.15 10.28 1,158.47 Non-interest Income 418.74 294.76 42.06 452.56 Operating Revenue 1,354.11 1,142.91 18.48 1,611.03 Operating Profit 628.50 608.97 3.21 848.83 N

  5. Slide 5: Performance Highlights

    Performance Highlights (` in crore) Quarter ended Quarter Quarter Growth Particulars Ended Ended Dec 13 Dec 12 (%) Sep 13 Mar 13 Net Interest Income 305.11 308.44 (1.08) 298.38 310.32 Non-interest Income 105.61 105.49 0.12 106.20 157.80 Operating Revenue 410.72 413.93 (0.77) 404.58 468.12 Operating

  6. Slide 6: Key Ratios - I

    Key Ratios - I Nine Month Year Quarter Ended Particulars Ended ended Dec-13 Dec-12 Dec-13 Dec-12 Sep-13 Mar-13 Cost of Deposits (%) 8.28 8.37 8.42 8.21 8.22 8.30 Yield on Advances (%) 12.35 12.83 12.53 12.81 12.29 12.77 Cost of Funds (%) 8.30 8.28 8.44 8.11 8.33 8.24 Yield on Funds (%) 10.36 10.66 1

  7. Slide 7: Key Ratios - II

    Key Ratios - II Nine Month Quarter Ended Year Ended Particulars ended Dec-13 Dec-12 Dec-13 Dec-12 Sep-13 Mar-13 Cost to Income (%) 53.59 46.72 62.76 48.79 61.24 47.31 Business per employee (`. in crore) 10.71 10.03 10.71 10.03 10.94 10.14 Profit per employee (`. in lakh) 5.77 8.35 5.77 7.22 5.94 8.1

  8. Slide 8: Spread & NIM (Quarterly)

    Spread & NIM (Quarterly) 5.0% 4.61% 4.57% 4.60% 4.51% 4.5% 4.26% 4.08% 4.11% 4.00% 4.0% 3.5% 3.20% 3.04% 3.06% 3.06% 3.0% 2.82% 2.77% 2.57% 2.56% 2.43% 2.48% 2.49% 2.5% 2.28% 2.15% 2.16% 2.0% 2.34% 2.05% 1.5% 1.0% Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Spread (Deposits and Advances)

  9. Slide 9: Income & Expenses Analysis – 9M (YoY)

    Income & Expenses Analysis – 9M (YoY) (` in crore) Nine Month ended Growth Year ended Particulars Dec-13 Dec-12 (%) March 13 Interest earned 3,793.22 3,116.28 21.72 4242.43 Interest expended 2,857.85 2,268.13 26.00 3083.96 Net Interest Income 935.37 848.15 10.28 1158.47 Non-interest Income 315.27 25

  10. Slide 10: Income & Expenses Analysis (QoQ)

    Income & Expenses Analysis (QoQ) (` in crore) Quarter Ended Quarter Seq. Growth Particulars Ended Growth Dec-13 Dec-12 (%) Sep 13 (ann. %) Interest earned 1,298.00 1,072.10 21.07 1272.70 7.95 Interest expended 992.89 763.66 30.02 974.31 7.62 Net Interest Income 305.11 308.44 (1.08) 298.39 9.01 Non-i

  11. Slide 11: Provisions & Contingencies

    Provisions & Contingencies (` in crore) Nine Month Ended Quarter Ended Particulars Dec-13 Dec-12 Dec-13 Dec-12 Sep-13 NPA 157.37 69.21 (3.89) 67.35 27.30 Standard Assets 19.91 20.00 (3.70) 14.91 16.52 Restructured Advances 26.43 1.62 (19.04) (9.06) 37.38 Others (1.43) 5.70 (2.00) 5.54 0.88 Investmen

  12. Slide 12: Capital to Risk Weighted Assets Ratio

    Capital to Risk Weighted Assets Ratio (` in crore) Particulars Dec-13 Dec-12 Sep-13 Mar-13 Tier I Capital 3,035 2,677 3030 3,017 Tier II Capital 323 271 327 303 Tier (I + II) 3,358 2,948 3357 3,320 Total Risk Weighted Assets 26,384 22,073 25662 23,035 Tier I – CRAR 11.50% 12.13% 11.81% 13.10% Tier I

  13. Slide 13: Deposits & Advances

    Deposits & Advances (` in crore) 43,727 33,106 38,653 35,494 29,706 27,317 Dec-12 Mar 13 Dec-13 Dec-12 Mar 13 Dec-13 Deposits Advances 13

  14. Slide 14: Gross NPA & Net NPA

    Gross NPA & Net NPA (` in crore) 466 495 485 377 321 323 353 Gross NPA 286 Net NPA 155 161 158 79 92 80 102 109 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 1.53 1.51 1.55 1.47 1.33 1.29 1.26 0.96 Gross NPA % 0.50 0.51 0.48 0.38 0.38 0.37 Net NPA % 0.33 0.32 Mar-12 Jun-12 Sep-12 Dec-12 Ma

  15. Slide 15: Provision Coverage Ratio (%)

    Provision Coverage Ratio (%) 100 90 80 75.46 75.51 75.16 75.02 75.20 75.03 75.07 75.14 70 60 50 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 15

  16. Slide 16: Movement of Restructured Advances

    Movement of Restructured Advances Apr-13 to Dec-13 Sep-13 to Dec-13 Particulars No. Amount No. Amount of (`. in of (`. in A/cs crore) A/cs crore) Restructured accounts at the beginning of the period - [A] 118 1,088 151 1566 Addition during the period - [B] 78 739 34 38 Addition through upgradation f

  17. Slide 17: Network and Human Resources

    Network and Human Resources Particulars Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Jun-13 Sep-13 Dec-13 No of Branches 312 335 369 451 551 554 562 565 No of ATMs 324 376 488 825 1,276 1,357 1,468 1,557 No of Employees 3,941 4,175 4,574 5,673 6,730 6,717 6,842 7,167 17

  18. Slide 18: Network of 565 Branches

    Network of 565 Branches STATE Dec-12 (%) Dec-13 (%) Category of Branches (nos) TAMILNADU 261 50.68% 290 51.33% ANDHRA PRADESH 108 20.97% 120 21.24% KARNATAKA 35 6.80% 38 6.73% Urban 152 MAHARASHTRA 24 4.66% 26 4.60% GUJARAT 15 2.91% 15 2.65% WEST BENGAL 14 2.72% 14 2.48% KERALA 12 2.33% 14 2.48% DEL

  19. Slide 19: Business Per Employee Profit Per Employee

    Business Per Employee Profit Per Employee 10.71 10.14 9.84 9.26 9.09 8.84 8.05 8.18 7.89 6.38 5.98 5.77 FY 09 FY 10 FY 11 FY 12 FY 13 Dec-13 FY09 FY10 FY11 FY12 FY13 Dec-13 (`. in crore) (`. in Lakhs) 19

  20. Slide 20: A Decade of Progress

    A Decade of Progress (` in crore) Year 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 Paid up Capital 17.98 17.98 17.98 49.49 53.94 53.95 54.44 94.49 107.18 107.18 Reserves 694.05 742.90 853.65 1013.67 1136.06 1296.21 1565.54 2020.05 2601.04 2978.01 Owned funds 712.0

  21. Slide 21: Karur Vysya Bank

    Karur Vysya Bank art way to bank

Karur Vysya Bank — Investor Presentation (December 2013) on 6ix