Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q2 FY2017 Earnings Presentation
21 slides from Karur Vysya Bank's earnings presentation, Sep 30, 2016
Slide 1: Investor Presentation
Investor Presentation 30.09.2016
Slide 2: Q2FY17 Results Snapshot
Q2FY17 Results Snapshot Branches Deposits Advances CASA 688 Rs. 52,002 crore Rs. 39,537 crore Rs. 12,963 crore (↑ 11.3%) (↑ 5.4) (↑ 18.8%) ATMs 1,693 Net Profit ROA NIM Net NPA Rs. 126.31 crore 0.86% 3.61% 1.44% (↓ 11%) (Q2FY16 - 1.03%) (Q2FY16 - 3.39%) (Q2FY16 - 0.96%) 2
Slide 3: H1FY17 Results Snapshot
H1FY17 Results Snapshot Net Profit ROA Rs. 272.66 crore 0.93% (↓ 1.5%) (H1FY16 - 1.02%) NIM ROE 11.16% 3.60% (H1FY16 - 12.22%) (H1FY16 - 3.35%) 3
Slide 4: Profit & Loss Account
Profit & Loss Account Units: Rs crore Quarter Ended Particulars Q2FY17 Q2FY16 YoY% Net Interest Income 495 437 13% Other Income 217 206 6% Total Income 712 643 11% Operating Expenses 393 288 36% Operating Profit 319 355 (-)10% Provisions 119 126 (-)6% Credit Related 93 116 -- Others 26 10 -- Profit
Slide 5: Profit & Loss Account
Profit & Loss Account Units: Rs crore Half-Year Ended Particulars H1FY17 H1FY16 YoY% Net Interest Income 976 860 13% Other Income 380 368 3% Total Income 1356 1228 10% Operating Expenses 753 577 30% Operating Profit 603 651 (-)7% Provisions 186 244 (-)24% Credit Related 167 216 - Others 19 28 - Prof
Slide 6: Key Ratios (For the quarter ended)
Key Ratios (For the quarter ended) Net Interest Margin Cost to Income % 4.00% 65% 59.47% 3.80% 3.61% 3.55% 3.52% 60% 3.60% 3.39% 3.47% 56.01% 55.18% 3.40% 55% 3.20% 3.00% 50% 47.57% 2.80% 44.77% 45% 2.60% 2.40% 40% Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Return on Asset
Slide 7: Other Ratios
Other Ratios Particulars Q2FY17 Q2FY16 Yield on Advances 11.50% 11.88% Cost of Funds 6.89% 7.55% Yield on Invest. 7.27% 7.51% NIM 3.61% 3.39% Business/Emp. (Rs crore) 12.60 11.62 Profit/Emp. (Rs lakh) 6.95 7.87 No. of Employees 7,265 7,232 7
Slide 8: Other Ratios
Other Ratios Particulars H1FY17 H1FY16 Yield on Advances 11.41% 11.88% Cost of Funds 6.88% 7.58% Yield on Invest. 7.31% 7.46% NIM 3.60% 3.35% Business/Emp. (Rs crore) 12.60 11.62 Profit/Emp. (Rs lakh) 7.51 7.65 No. of Employees 7,265 7,232 8
Slide 9: Advances
Advances Units: Rs crore Particulars Q2FY17 Q2FY16 YoY % Advances 39,537 37,518 5% Corporate 13,114 13,518 (-)3% Commercial 13,303 12,155 9% Agriculture 6,950 6,304 10% Retail (Personal Banking) 6,170 5,541 11% Jewel Loan 6,356 6,405 (-)0.8% (included in other segments) 9
Slide 10: Break-up of Manufacturing Sector
Break-up of Manufacturing Sector Units: Rs crore Particulars Q2FY17 Q2FY16 YoY % Power 1,013 1,358 (-)25% Infra (Ex-Power) 1,844 1,863 (-)1% Textiles 3,313 3,089 7% Metals & Metal Products 1,358 1,571 (-)13% Chemicals 487 762 (-)36% Others 4,796 3,560 35% Total 12,811 13,223 (-)3% 10
Slide 11: NPA Details
NPA Details Units: Rs crore Gross and Net NPA 1,000 903 800 732 721 702 565 600 511 355 360 400 306 216 200 0 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Gross NPA Net NPA 3.0% 2.29% 1.96% 1.91% 1.79% 2.0% 1.44% 1.30% 0.96% 0.79% 0.96% 1.0% 0.55% Gross NPA % Net NPA % 0.0% Sep-15 Dec-15 Mar-16 Jun-16 Sep-16
Slide 12: Movement of Restructured Assets
Movement of Restructured Assets Units: Rs crore Jul 16 to Sep 16 6 8 34 1,281 1,245 Opening Balance Additions Reductions Slippage to NPA Closing Balance % of Advances 3.25% 0 0.02% 0.09% 3.15% 12
Slide 13: Deposits Breakup
Deposits Breakup Units: Rs crore Particulars Q2FY2017 Q2FY2016 YoY % Total Deposits 52,002 46,715 11% CASA 12,963 10,909 19% CASA Mix % 24.9% 23.4% Demand 4,524 4,032 12% Savings 8,439 6,877 23% Term Deposits 39,039 35,806 9% 13
Slide 14: Distribution Network
Distribution Network Statewise Branches Particulars Mar-15 Mar-16 Sep-16 Branches 629 667 688 1 7 14 4 ATMs 1,645 1,655 1,693 3 6 15 3 2 16 Regional Mix (Sep-16) 1 5 26 Rural, 17% Metro, 20% 49 1 49 99 6 16 365 Semi-Urban, Urban, 28% 36% 14
Slide 15: Breakup of Other Income (Quarter)
Breakup of Other Income (Quarter) Units: Rs crore Particulars Q2FY17 Q2FY16 YoY % Total 218 206 6% Fee Income 137 142 (-)3% Forex 8 11 (-)27% Commissions 116 116 -- Other 13 15 (-)13% Profit on Sale 81 64 26% of Investments 15
Slide 16: Breakup of Other Income (Half Year)
Breakup of Other Income (Half Year) Units: Rs crore Particulars H1FY17 H1FY16 YoY % Total 380 368 3% Fee Income 284 294 (-)3% Forex 18 20 (-)10% Commissions 240 243 (-)1% Other 26 31 (-)16% Profit on Sale of 96 74 30% Investments 16
Slide 17: Breakup of Provisions (Other than Tax)
Breakup of Provisions (Other than Tax) Units: Rs crore Particulars Q2FY17 Q2FY16 YoY % Total Provisions 119 126 (-)6% NPA 96 100 (-)4% Standard Assets -- 16 Restructured (-)3 0 Investment 18 0 Others 8 10 17
Slide 18: Breakup of Provisions (Other than Tax)
Breakup of Provisions (Other than Tax) Units: Rs crore Particulars H1FY17 H1FY16 YoY % Total Provisions 186 244 (-)24% NPA 190 224 (-)15% Standard Assets (-)4 20 Restructured (-)9 (-)29 Investment 11 19 Others (-)2 10 18
Slide 19: Capital Adequacy
Capital Adequacy Capital Adequacy Ratio (Basel III) 16% 14% 13.00% 12.90% 0.95% 12.17% 12% 0.94% 11.67% 11.44% 0.91% 0.81% 0.77% 10% 8% 6% 12.05% 11.96% 11.26% 10.86% 10.67% 4% 2% 0% Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Tier 1 Tier 2 19
Slide 20: 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 21: Smart
21 Smart