INVESTOR PRESENTATION Q1 – FY 2019-20 Business Performance 31.12.2018 1
DISCLAIMER This presentation has been prepared by Karur Vysya Bank Limited (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank and the information contained herein is only current as of its date and has not been verified by anyone else. All financial numbers are based on the Audited Financials or the Reviewed Financial results or based on Management estimates. Figures for the previous period(s) have been regrouped wherever necessary; totals in columns / rows may not agree due to rounding off. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person / entity based in India or in any other country. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated. Factors that could cause actual results to differ materially include, inter-alia, changes or developments in the Bank’s business, political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates / projections. Any opinion, estimate or projection in the presentation constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. No representation or warranty, express or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Further, past performance is not necessarily indicative of future results. Anyone placing reliance on the information contained in this presentation or any other communication by the Bank does so at his / her / their own risk. Neither the Bank nor anyone else shall be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained in the presentation. The Bank may, at its sole discretion, alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify anyone of such change(s). This presentation is not to be distributed, redistributed, copied or disseminated in any manner whatsoever, either directly or indirectly. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events that arise after the date the forward-looking statement was made. 2
The Bank of choice - trusted by all Over Over Over 7 million 450000 700000 individuals businesses agri customers 3
KVB – a unique franchise! Bank of Choice, trusted by : Over 7 million individuals Over 450000 businesses Over 700000 customers involved in agriculture 1 6 1 Unmatched presence in India’s fast growing hinterland 12 6 1 Category No. of Branches 6 1 Metro 200 4 1 14 15 Urban 155 1 5 Semi Urban 297 25 59 Rural 126 51 1 Total 778 121 7 419 21 Category 30.06.19 31.03.19 31.03.18 Rural 16% Metro Branches 778 778 790 26% Customer service ATM's + Cash 2177 2179 2328 excellence the Recyclers Semi differentiator Urban Urban 20% 38% 4
Highlights BUSINESS CRAR Total Business CRAR at 15.99% Up by 5% CET 1 at 14.27% @ Rs. 1,10,893 crore 06 01 PAT CREDIT Operating Profit Rs. 445 crore Gross Advances grew Y-o-Y 05 02 Net Profit Rs. 73 crore by Rs. 1,296 crore to Rs. 49,182 crore NIM CASA 04 03 3.49% CASA share @ 30% Total Deposits up by 7% @ Rs. 61,711 crore 5
KVB DLite App • Instant account opening • Multiple fund transfer modes • Debit Card Management • KVB Shoppy - Online Shopping • QR Code based payment • Cheque Management • Locker Management • Demat Accounts • Savings Accounts • Mobile Recharge • FASTag • UPI • E-ASBA • Insurance 6
Blending Tradition with Modernity Business model transformation progressing well - Digital product suites well received • KVB DLite banking application has over 1.1 million downloads – Over 1.91 lakh average transactions per day @ INR 90 crore per day – Increasing account engagement through embedded shopping & universal bill payment functionality • Retail & Commercial Asset momentum increasing – Retail loans digital origination increases - 37% (numbers) & 30% (value)on a sequential basis – Commercial loans digital origination increases 109% (numbers) and (2%) (value) on a sequential basis » Mid Market (INR 2 - 15 crore) origination on digital platform scheduled to go live in August • Digital ‘Gold Loan’ test launched – Focus on enhancing speed (Reducing TAT) and reducing operational errors • Outbound telephony engagement to client base initiated — Leveraging analytics to make offers to existing client base 7
Blending Tradition with Modernity Digital suite extension to ‘self service’ mode underway Non-branch Distribution Operations Commenced Risk based pricing implemented Through the door booking yield (Weighted Average) in Q1 – Retail @ 11.77% Commercial @ 12.03% Risk & Compliance Architecture continues to be strengthened New Retail Credit Head Inducted New Compliance Head Inducted 8
(Rs. crore) Results Snapshot* Financial Indicators – 30.06.2019 Other Business Parameters Gross NPA 4,511 YoY Growth Parameter Amount % Net NPA 2,322 Total 61,711 7 Gross NPA % 9.17 Deposits Net NPA % 4.94 Gross 49,182 3 PCR % 59.05 Advances Total 1,10,893 5 Business Basel III Capital 6,991 CRAR % 15.99 Total Tier I % 14.27 854 2 Operating Income Tier II % 1.72 Operating 445 (3) Profit NIM % 3.49 73 59 Net Profit RoA % 0.40 * End of Period 9
Business Profile (Rs. crore) Q1 Q1 Y-o-Y Particulars FY 19-20 FY 18-19 % 61,711 57,554 7 Total Deposits 6,241 5,874 6 Demand 12,099 11,370 6 Savings 18,340 17,244 6 CASA Term Deposits 43,371 40,310 8 30 30 CASA % 49,182 47,886 3 Gross Advances 46,982 46,406 1 Net Advances Total Business 1,10,893 1,05,440 5 10
Business Profile (Averages) (Rs. crore) Y-o-Y Growth Q1 Q1 Particulars FY 19-20 FY 18-19 Amount % 60,429 56,851 3,578 6 Avg. Deposits 5,934 5,467 467 9 Avg. Demand Deposit % to Total 10 10 12,016 10,952 1,064 10 Avg. Savings Deposit 20 19 % to Total Avg. Time Deposit 42,478 40,432 2,046 5 70 71 % to Total 17,950 16,419 1,531 9 CASA 30 29 % to average deposit 49,065 46,080 2,985 6 Avg. Advances 81.19 81.05 Avg. CD Ratio (%) 11
Balance Sheet (Rs. crore) Q1 Q1 Particulars Y-o-Y (%) FY 19-20 FY 18-19 Capital & Liabilities 160 145 10 Capital 6,336 6,165 3 Reserves and Surplus 61,711 57,554 7 Deposits 2,705 3,083 (12) Borrowings 13 1,503 1,336 Other Liabilities and Provisions 6 72,415 68,283 Total Assets 3,278 3,002 9 Cash and Balances with RBI 2,865 845 - Balances with Banks 5 16,983 16,108 Investments 46,982 46,406 1 Advances 4 571 550 Fixed Assets 1,736 1,372 27 Other Assets 72,415 68,283 6 Total 12
(Rs. crore) Income v/s Expenses (Qtr) Net Interest Income Non Interest Income 650 300 618 584 581 584 579 273 270 260 255 325 150 175 0 0 June 18 Sep 18 Dec 18 Mar 19 June 19 June 18 Sep 18 Dec 18 Mar 19 June 19 Total Operating Income Operating Expenses 900 450 891 854 841 839 215 218 205 221 754 200 225 450 212 204 198 179 172 0 June 18 Sep 18 Dec 18 Mar 19 June 19 0 Staff Cost Other Op.Exp June 18 Sep 18 Dec 18 Mar 19 June 19 13
(Rs. crore) Operating Profit (Qtr) 7 510 27 57 67 453 407 398 382 378 240 -21 -30 June 18 Sep 18 Dec 18 Mar 19 June 19 Core Operating Profit Investment Trading Profit 500 3.0 2.7 2.7 2.5 2.4 2.1 250 2.0 464 460 445 425 361 0 1.0 June 18 Sep 18 Dec 18 Mar 19 June 19 Operating Profit Operating Profit Margin% on Avg. Assets 14
(Rs. crore) Profit and Loss A/c Q1 Q1 YoY Particulars FY 19-20 FY 18-19 (%) Net Interest Income 584 584 - Other Income 270 255 6 Total Income 854 839 2 Operating Expenses 409 379 8 Operating Profit 445 460 (3) Provisions 330 423 (22) Credit Related 319 378 (16) Others 11 45 - Profit Before Tax 115 37 211 Tax 42 (9) - Net Profit 73 46 59 15
(Rs. crore) Break Up of Other Income Q1 Q1 Particulars YoY (%) FY 19-20 FY 18-19 270 255 6 TOTAL NON-INT. INCOME 168 175 (4) 1) Fee Income 67 7 - 2) Investment trading profit 9 13 (31) 3) Forex Income 26 60 - 4) Others * *Includes recoveries from Written Off A/c’s – Rs. 1 crore (Q1 FY 19-20) & Rs. 22 crore (Q1 FY 18-19) 16
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