Karnataka Bank Ltd. · NSE:KTKBANK
Karnataka Bank — The Karnataka Bank — Q2 FY2023 Earnings Presentation
65 slides from Karnataka Bank's earnings presentation, Nov 2, 2022
Slide 1: Karnataka Bank Ltd. Your Family Bank, Across India
Karnataka Bank Ltd. Your Family Bank, Across India Regd. & Head Office Phone : 0824-2228222 P. B. No.599, Mahaveera Circle E-Mail : investor.grievance@ktkbank.com Kankanady Website : www.karnatakabank.com Mangaluru – 575 002 CIN : L85110KA1924PLC001128 SECRETARIAL DEPARTMENT November 2, 2022 HO/SEC/
Slide 2: Investor Presentation Q2 FY23
Investor Presentation Q2 FY23 99 years of consistent value creation
Slide 3: Contents and Disclaimer
Contents and Disclaimer Content Page Key Strengths 4 Financial Results Q2 FY23 6-43 Bank Overview 44-48 Business Strategy 49-53 Digital Banking 54-65 • This presentation has been prepared by Karnataka Bank (the “Bank”) solely for providing information about the Bank. This presentation is confidentia
Slide 4: Key Highlights Q2 FY23
Key Highlights Q2 FY23 Operating Profit Deposit Growth Loan Growth Asset Quality • 10.37% YoY grow th in operating profit • CASA deposits increased by • Advances grew by 10.18% YoY • Provision Coverage Ratio increased to Rs. 990.60 crore 12.78% YoY further to 79.97% • NIM up by 41 bps YoY to 3.56% •
Slide 5: Key Strengths
Key Strengths Strong, diverse sources of income Aggressive digital strategies to be • Well balanced lending profile including Retail, Corporate future ready and MSME • Undergoing accelerated journey to become a highly • Revenue diversity with a fee income ratio of 14.25% digitally focused bank that
Slide 6: Contents
Contents Financial Results Bank Business Digital Q2 FY23 Overview Strategy Banking 5
Slide 7: Financial Results Q2 FY23
Financial Results Q2 FY23 6
Slide 8: Q2 FY23: Brief
Q2 FY23: Brief I am pleased with the second quarter results which exhibited strong earnings momentum and core fundamentals. The second quarter is a turning point for Karnataka Bank as our net interest income and margin expanded meaningfully and remain poised for future growth. Our all-time high Q2FY
Slide 9: Driving Growth & Profitability
Q2 FY23: Driving Growth & Profitability ₹ in Cr Deposits Advances (Net) Q2 FY23 Q2 FY22 Q2 FY23 Q2 FY22 81,634 76,922 6.13% 10.18% 59,872 54,342 Investments Balance Sheet Q2 FY23 Q2 FY22 3.97% 9.69% Size 23,758 22,851 Q2 FY23 vs. Q2 FY23 Q2 FY22 Q2 FY22 97,964 89,313 Net Profit 126.94% 10.37% Operat
Slide 10: Expanding Spreads, Returns & Strength
Q2 FY23: Expanding Spreads, Returns & Strength NIM CRAR Q2 FY23 Q2 FY22 Q2 FY23 Q2 FY22 3.56% 3.15% 41bps 80bps 15.28% 14.48% ROE ROA Q2 FY23 Q2 FY22 747bps 57bps Q2 FY23 Q2 FY22 14.36% 6.89% 1.10% 0.53% Q2 FY23 vs. Q2 FY22 CASA 194bps 830bps PCR Q2 FY23 Q2 FY22 Q2 FY23 Q2 FY22 32.82% 30.88% 79.97%
Slide 11: Improving Quality of Assets
Q2 FY23: Improving Quality of Assets Gross NPA Net NPA Q2 FY23 Q2 FY22 Q2 FY23 Q2 FY22 116bps 113bps 3.36% 4.52% 1.72% 2.85% Gross NPA Net NPA (Sequential) (Sequential) Q2 FY23 Q1 FY23 67bps 44bps Q2 FY23 Q1 FY23 1.72% 2.16% 3.36% 4.03% 10
Slide 12: Continuity of Sustained Growth
Q2 FY23: Continuity of Sustained Growth BUSINESS T URNO VER 1,38,936 1,41,506 1,37,170 1,33,918 1,28,749 1,31,264 1,26,267 1,26,063 1,27,028 1,27,014 1,27,171 1,27,846 1,23,280 1,21,340 1,23,658 Q4FY 19 Q1FY 20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY 22 Q4FY 22 Q1FY 23 Q2
Slide 13: Headline Numbers on Standalone basis
Q2 FY23: Headline Numbers on Standalone basis ₹ in Cr 3 Months 6 Months 12 Months Particulars Q2 FY 23 Q2 FY 22 Y-o-Y Q1 FY 23 H1 FY 23 H1 FY 22 Y-o-Y FY 22 Turnover 1,41,506 1,31,264 7.80% 1,38,936 1,41,506 1,31,264 7.80% 1,37,170 Asset size 97,964 89,313 9.69% 94,541 97,964 89,313 9.69% 92,041 Ope
Slide 14: Summary Financial Statement
Q2 FY23: Summary Financial Statement ₹ in Cr on Standalone basis Noteworthy items impacting 3 Months 6 Months 12 Months profitability for H1FY23: Particulars Q2 FY 23 Q2 FY 22 Y-o-Y Q1 FY 23 H1 FY 23 H1 FY 22 Y-o-Y FY 22 Loan growth accelerated from the Interest Income 1,771.05 1,554.24 13.95% 1,6
Slide 15: Summary Consolidated Financial Statement
Q2 FY23: Summary Consolidated Financial Statement ₹ in Cr 3 Months 6 Months 12 Months Particulars Q2 FY 23 Q2 FY 22 Y-o-Y Q1 FY 23 H1 FY 23 H1 FY 22 Y-o-Y FY 22 Turnover (₹ in Cr) 1,41,506 1,31,263 7.80% 1,38,936 1,41,506 1,31,263 7.80% 1,37,170 Asset size (₹ in Cr) 97,963 89,312 9.69% 94,539 97,963
Slide 16: Shareholder Value
Q2 FY23: Shareholder Value 262.64 28 Shareholding Pattern Book Value (Rs per share) & EPS (Rs per share) Annualized 250 33.78 25.28 223.95 228.01 231.64 26 217.00 213.67 217.08 219.32 Foreign 204.71 210.91 210.45 208.31 212.66 198.37 24 Portfolio 200 22.56 192.06 Investors (FPIs) 22 18% 20.32 150 19
Slide 17: Yields, Rates & Margins
Q2 FY23: Yields, Rates & Margins ₹ in Cr 3 Months 6 Months 12 Months Particulars Q2 FY 23 Q2 FY 22 Y-o-Y Q1 FY 23 H1 FY 23 H1 FY 22 Y-o-Y FY 22 Interest Income Interest Income 1,771.05 1,554.28 13.95% 1,629.08 3,400.13 3,077.78 10.47% 6,221.66 Interest on Advances 1,383.79 1,169.77 18.30% 1,246.74 2
Slide 18: Yields, Rates & Margins
Q2 FY23: Yields, Rates & Margins Net Interest Income: • Net Interest Income grew to Rs. 1,771.05 Cr in Q2FY23 as against Rs. 1,554.28 Cr In Q2FY22 with Y-o-Y growth of 13.95% Net Interest Margin: • Net interest Margin grew by 47bps in Q2FY23 to 3.78% Cost to Income (%) & NIM (%) 55.00 3.70 52.66 52.
Slide 19: Income & Profit (quarterly)
Q2 FY23: Income & Profit (quarterly) OPERATING REVENUE (Rs in Cr) OPERATING & NET PROFIT 1,200 2,200 700 2,031 569 578 569 600 1,000 1,829 1,762 494 486 260 1,900 500 413 412 800 275 400 133 600 1,600 300 200 126 114 400 803 637 688 1,300 100 200 - Q2FY22 Q1FY23 Q2FY23 - 1,000 Q2FY22 Q1FY23 Q2FY23 N
Slide 20: Other Income and Expenses
Q2 FY23: Other Income and Expenses Other Income 3 Months 6 Months 12 months Particulars Q2 FY 23 Q2 FY 22 Y-o-Y Q1 FY 23 H1 FY 23 H1 FY 22 Y-o-Y FY 22 Locker Rent 2.38 2.76 -13.77% 36.63 39.01 35.90 8.66% 37.94 Debit Card Charges 3.16 2.40 31.67% 4.20 7.36 4.50 63.56% 43.74 Commission on Insurance 1
Slide 21: Productivity Ratios Trends
Q2 FY23: Productivity Ratios Trends OPERATING PROFIT PER EMPLOY EE OPERATING PROFIT PER BRANCH (RS IN CR) (RS IN CR) ANNUALISED 0.32 3.16 0.28 2.74 0.26 2.51 0.23 0.24 0.21 2.22 2.25 0.20 0.19 0.19 0.20 0.19 0.19 2.00 1.95 2.09 1.88 1.95 1.86 1.88 0.18 0.17 0.18 1.73 1.67 1.82 BUSINESS PER EMPLOY EE
Slide 22: Loan Growth momentum
Q2 FY23: Loan Growth momentum TOTAL LOAN GROWTH % (Y-O-Y ) ADVANCES (NET) (RS IN CR) 59,872 16.03 58,359 13.03 56,964 56,783 10.66 10.22 10.18 54,099 55,489 54,828 54,911 53,468 54,210 54,342 7.00 53,187 5.68 52,819 3.90 4.33 51,516 51,631 2.63 1.18 0.45 -3.14 -4.76 -9.56 Advances (Net) (Rs. In Cr)
Slide 23: Trends: Loans - Deposit Ratio, Yield & Sectors
Trends: Loans - Deposit Ratio, Yield (cumulative) & Sectors CREDIT TO DEPOSIT RATIO (% ) TERMINAL YIELDS 10.00 9.33 9.32 9.50 9.49 9.47 9.33 9.36 9.38 9.05 6.00 80.10 79.35 8.93 8.92 8.89 8.84 8.81 9.15 77.08 9.00 5.50 76.18 76.95 75.44 8.00 4.68 74.18 73.34 5.00 72.04 72.43 7.00 4.34 70.65 70.75 70
Slide 24: Loan portfolio: Geographical credit concentration
Loan portfolio: Geographical credit concentration GBC NPA Restructured Portfolio State Balance Balance State w ise Balance State w ise % to GBC % to GBC % to GBC Outstanding Outstanding % Outstanding % 27163.08 44.53 935.49 1.53 3.44 2243.81 3.68 8.26 Karnataka (25778.25) (46.55) (1109.14) (2.00) (4
Slide 25: Asset Quality – NPA & Slippage
Q2 FY23: Asset Quality – NPA & Slippage Gross NPAs (Rs. In Crs) Net NPAs (Rs. In Crs) 3,000 5.00% 1,800 3.00% 2.85% 4.52% 4.50% 1,600 2,500 2.42% 2.50% 3.90% 4.00% 1,400 3.50% 1,200 2.00% 2,000 3.36% 3.00% 1,000 1.72% 1,500 2.50% 1.50% 800 1,551 2,501 2.00% 1,377 1,000 2,251 2,052 600 1.00% 1.50% 1,
Slide 26: Trends: Improving Recoveries & Provision Coverage
Trends: Improving Recoveries & Provision Coverage Gross and Ne t NPA Re cov e ry in Writte n Off A/Cs (Rs in Cr) 4.99 4.82 4.91 4.84 245.72 4.78 4.64 250.00 4.41 4.55 4.52 4.11 3.75 3.97 3.90 4.03 200.00 174.32 171.56 3.48 3.33 3.36 3.08 3.01 3.16 3.19 2.95 3.02 2.85 150.00 123.14 121.56 2.48 2.42 9
Slide 27: NPA break-up
Q2 FY23: NPA break-up Composition of GNPA Size wise NPA Doubtful Rs 5 Cr to Rs 1 Cr to 64.27% Rs 50 Cr Rs 5 Cr 26.33% 29.90% Loss Assets Above Rs 7.18% 50 Cr 3.39% Upto Rs 1 Sub Cr Standard 40.38% 28.55% Credit portfolio wise NPA Retail (upto Mid 7.5 Cr) Corporate 74.22% (> 7.5 Cr to upto 100 Cr) 25
Slide 28: NPA movement
Q2 FY23: NPA movement Movement in NPA during Q2 FY 23 MSME Particulars Amount 48.72% Opening GNPA 2,401.39 Additions 302.70 Agriculture 22.61% Sub Total ( A ) 2,704.09 Reduction Up-gradation 115.72 Recoveries (excluding 427.33 upgraded accts) Technical Write Offs 104.52 Large Ent. 6.29% Other Write
Slide 29: NPA Provisioning Breakup
Q2 FY23: NPA Provisioning Breakup Top 25 NPA accounts and provisions held (₹ crs) NPA Classification No. of Borrowers Net Balance Provision held Provision % SS 7 (5) 119.34 (97.06) 19.22 (14.56) 16.11 (15.00) DS 1 3 (9) 49.13 (156.37) 49.13 (70.47) 100 (45.07) DS 2 8 (10) 90.03 (250.67) 90.03 (165.4
Slide 30: Asset Quality – Restructured Portfolio
Q2 FY23: Asset Quality – Restructured Portfolio Restructured Portfolio –Details Standard Restructured Portfolio –Movement (₹ crs) Q2 FY 23 Particulars Q2 FY 23 Particulars FY 22 Standard NPA Total Opening balance 3,652.64 Restructured Amount 3,328.78 388.11 3,716.89 4,478.27 Fresh restructuring duri
Slide 31: Asset Quality – SMA
Q2 FY23: Asset Quality – NPA & Slippage SMA 2 (₹ crs) SMA 1 (₹ crs) 1400 2.34% 2.50% 1200 2.00% 1.78% 1.69% 1.80% 1200 1.62% 1000 2.00% 1.46% 1.60% 1.75% 1000 1.64% 1.40% 800 1.36% 1.50% 1.05% 1.20% 800 600 1.00% 600 1240.36 0.89% 1.00% 967.83 997.91 0.80% 1002.22 898.72 890.83 400 777.42 400 798.66
Slide 32: Asset Quality - Borrowers under external rating
Q2 FY23: Asset Quality - Borrowers under external rating Of which, NPA SMA2 Restructured book No of Balance O/s Rating % to GBC No. of No. of Bal o/s No. of Bal o/s % share to Borrowers (in cr) Bal o/s (cr) borrowers borrowers (cr) borrowers (cr) Std. Adv. @ AAA 18 (15) 5,564 (4,291) 9.12 (7.72) - -
Slide 33: Asset Quality - Top 50 Borrowers
Q2 FY23: Asset Quality-Top 50 Borrowers under external rating Of which, NPA SMA2 Restructured book No of Balance O/s Rating % to GBC no. of no. of no. of % share to Borrowers (in cr) Bal o/s (cr) Bal o/s (cr) Bal o/s (cr) borrowers borrowers borrowers Std. Adv. @ AAA 14 (7) 5,222 (2,386) 8.56 (4.29)
Slide 34: Asset Quality - External rating of NBFC portfolio
Q2 FY23: Asset Quality - External rating of NBFC portfolio Of which, NPA SMA2 Restructured book No of Balance O/s Rating % to GBC Borrowers (in cr) no. of no. of no. of % share to Bal o/s (cr) Bal o/s (cr) Bal o/s (cr) borrowers borrowers borrowers Std. Adv. @ AAA 16 (14) 4,814 (3,791) 7.89 (6.82) -
Slide 35: 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 36: Sustained CASA Growth
Q2 FY23: Sustained CASA Growth Healthy Share of CASA & Strong Liquidity Profile Diversified Deposit Mix 120.00% Deposits (₹ crs) 76922 80387 Growth rate (y-o-y) 12.78% 100.00% 81634 11.65% 11.23% 12.00% 80.00% 69.12% 67.03% 66.57% 10.00% 60.00% 8.00% 40.00% 6.13% 6.07% 6.25% 20.00% 6.00% 30.88% 32.9
Slide 37: Strong Core Deposit Franchise
Strong Core Deposit Franchise CASA - AMOUNT (RS IN CR) CASA - % 26,790 34.00 26,500 26,429 33.00 24,549 23,823 32.00 23,755 23,490 22,199 31.00 21,275 20,752 20,594 30.00 19,546 19,243 19,208 29.00 18,775 28.00 27.00 26.00 25.00 36
Slide 38: Capital Management - Returns & Adequacy
Q2 FY23: Capital Management - Returns & Adequacy Return on Equity (%) (after tax) Return on Assets (%) (after tax) 14.36% 1.20% 1.10% 14.00% 12.00% 1.00% 10.00% 0.80% 8.00% 6.89% 7.41% 0.56% 0.60% 0.53% 6.00% 0.40% 4.00% 2.00% 0.20% 0.00% 0.00% Sept '21 Mar '22 Sept '22 Sept '21 Mar '22 Sept '22 Cap
Slide 39: Guiding Returns Towards Higher Levels
Q2 FY23: Guiding Returns Towards Higher Levels RETURN ON ASSETS (ROA % ) RETURN ON EQUITY (ROE % ) 1.10 14.36 12.75 0.93 11.95 0.88 0.75 10.15 0.70 0.71 9.59 9.56 0.67 9.05 0.64 8.53 0.57 0.57 0.56 7.65 7.41 7.41 0.53 6.89 0.49 0.49 7.35 6.34 6.39 0.53 38
Slide 40: Capital Management - Capital Adequacy
Q2 FY23: Capital Management - Capital Adequacy Particulars 30.09.2021 31.03.2022 30.09.2022 Risk Weighted Assets 90.50% 83.23% 83.36% 82.57% 80.50% Risk Weighted Assets- Total 51,099.27 51,855.44 53,491.44 70.50% 60.50% Total Capital Fund (Basel III) 7,400.67 8,118.55 8,171.90 50.50% 40.50% Total Ti
Slide 41: Provisions
Q2 FY23: Provisions Provision Coverage Ratio Category Provision Provision 79.97% during during Q2 FY 23 Q2 FY 22 NPA -3.67 130.73 Standard advances -3.26 165.18 73.47% Fair Value -11.38 41.40 71.67% Tax 180.03 20.79 Others 4.47 9.89 Total 166.19 367.99 Sept '21 Mar '22 Sept '22 40
Slide 42: Provisions
Q2 FY23: Provisions Sector-wise PCR % 100.00% 80.00% 60.00% 40.00% 20.00% 0.00% Staff Housing Personal Vehicle NBFC Large Entp Infra CRE Agri MSME Housing LRD Housing Others Total (CRE) Loans Loans Loan PCR %(incl TW) 100.00% 99.08% 98.01% 92.73% 69.23% 72.28% 49.10% 66.61% 25.99% 58.57% 56.66% 40.0
Slide 43: Investments
Q2 FY23: Investments AFS 25% Investments [excl. RIDF] (Rs in crs) 23758.21 24000 22851.29 22041.40 22000 20000 HFT 0% 18000 HTM 16000 75% 14000 Duration 12000 AFS HFT HTM TOTAL 10000 Sept '21 Mar '22 Sept '22 3.16 0.00 5.3 4.78 Yield on Investment (%) Liquidity Coverage ratio (%) 5.87% 293.53% 5.84%
Slide 44: Financial Strength
Q2 FY23: Financial Strength Capital and Reserves* (₹ crs) Business Turnover (₹ crs) 8000 7,553 1,60,000 7,095 1,37,170 1,41,506 6,818 1,31,264 7000 1,40,000 6000 1,20,000 56,783 59,872 1,00,000 54,342 5000 4000 7242 80,000 6784 6507 3000 60,000 2000 40,000 76,922 80,387 81,634 1000 20,000 0 311 311
Slide 45: Bank Overview
Bank Overview 44
Slide 46: Overview: Serving India since 1924
Overview: Serving India since 1924 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 mi
Slide 47: 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 23% 2 1 26% 7 3 16 20 5 8 Branches ATM & Recyclers Top 5 States 52 1600 1,445 1,456 1,431 Karnataka 559 25 1400 1200 Maharashtra 52 7 41 857 877 880 559 1000 Tamilnadu 50 1 800 Andhra Pradesh 41 50 600 21 400 T
Slide 48: Overview: The First 50 Years
Overview: The First 50 Years 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 Cr
Slide 49: Overview: The next 48 years
Overview: The next 48 years and heading towards Centenary year in 2023-24 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’
Slide 50: Business Strategy
Business Strategy 49
Slide 51: 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 50
Slide 52: 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 53: 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 Re-aligning KBL- VIKAAS 2.0 and Cyber Fraud Management SMA, NPA, Restructured Portfolio, Technical written-off- (Digital Banking Units) as per RBI Guidelines
Slide 54: Digital Banking
Digital Banking 53
Slide 55: Digital initiatives Q2 FY23
Digital initiatives Q2 FY23 Establishment of Implementation of Centralized KBL Xpress SB – an online Analytical Centre of „Customer Complaints & facility to open Reference Excellence [ACOE] Grievance Redressal‟ System Number Based saving Account 01 02 03 New enhancements in Khajane-II (K2) online Di
Slide 56: Digital Banking: 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 57: Digital Banking: Robust technology and digital platforms
Digital Banking: Robust technology and digital platforms EnabledPlatform Enabled Platformfor forDigital Digitalsanction sanctionOf OfHome State-of-art IT setITup State-of-art setwhich has enabled up which Anytime has enabled Home loans, Personal loans, Car loans, loans, Personal loans, Car loans, 2-
Slide 58: 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 >77% 24000+
Slide 59: 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 S
Slide 60: Digital adoption and underwriting
Digital Digital adoption adoptionand andunderwriting underwriting 93.17% of 93.04% of customer customer transactions transactions are are through through Digital means Digital means KBL Xpress Home Loans 4.48 Customer Rating 93.04% of customer transactions are through 5 PointDigital Scale means KBL
Slide 61: Digital Adoption: Mobile Banking
Digital Adoption: Mobile Banking No. of Regd Users (Actuals) 27,25,658 23,85,999 26,04,944 19,62,138 16,11,054 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Value of Transactions (in Cr) No. of Transactions (in 000‟s) Avg. Transactions per day (in 000‟s) Avg. value of Transactions per day (in Cr) 134 135 125 1
Slide 62: Digital Channel: Debit Cards
Digital Channel: Debit Cards 89.4 Debit cards Penetration 87.21 87.01 86.51 85.82 51.55 51.68 51.13 51.85 51.85 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Total cards issued (Lakhs) Penetration (%) 186 191 155 157 161 Cards Usage 97 101 83 86 85 72 71 89 90 76 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Total ATM tr
Slide 63: Digital Channel: POS & ECOM Transactions
Digital Channel: POS & ECOM Transactions No. of Machines Installed New Machines Added 850 784 709 POS Installations 657 610 9994 9724 9535 9732 9312 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Txn ('000s) Per day ('000s) Amt (Crore) Per day (Crore) 3 3 ECOM Transactions 24 19 2 16 2 2 14 11 2165 1747 1438 12
Slide 64: Digital Channel: UPI Transactions
Digital Channel: UPI Transactions No. of Transactions (in 000's) Avg. Transactions per day (in 000's) 2550 2616 UPI Txns count 2263 1811 232094 240643 208231 807 164850 74,280 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Value of Transactions (in Crore) Avg. value of Transactions per day (in Crore) UPI Txn Va
Slide 65: Thank You
Karnataka Bank