Investor Presentation 31.03.2017 Awards and Accolades IDRBT Award - - PowerPoint PPT Presentation

Investor Presentation 31.03.2017

 IDRBT Award for the Best Bank Among Small Banks for Digital Banking , 2015-16 on 18.07.2016  IDRBT Award for the Best Bank Among Small Banks for Managing IT Ecosystem, 2015-16 on 18.07.2016  Dun & Bradstreet Banking Awards 2016, Karur Vysya Bank has been awarded the Best Private Sector Bank – Priority Sector Lending on 31.08.2016  FE India’s Best Banks Award, KVB is the winner in Credit Quality category for the year 2013-14 received on 01.09.2016  Karur Vysya Bank has been selected as The Best Bank at National Level under Private Sector category for the year 2015- 2016 in the State Forum of Bankers’ Clubs Kerala (SFBCK) Banking Excellence Award 2016 on 11.12.2016  Karur Vysya Bank has received NSDL star performer award for the top performer in new accounts opened under Bank Category - 2nd position on 24.12.2016  Award for Solar irrigation pump scheme – Ministry of New & Renewable Energy, Government of India has selected Karur Vysya Bank for 1st prize for having achieved highest disbursement under the category Solar irrigation pumps – Off grid & decentralized solar applications programe for the FY 2015-16 on 24.01.2017.

 Business Today KPMG Award – Best Small Bank for FY 2015-16

Awards and Accolades

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About Us

• Banking tradition of 100 years
• Consistently earning profits since inception
• Uninterrupted dividend payment record
• 100% and above dividend for 13 years consecutively from 2004, out of which 120% or above for

ten years

• First bank to get permission from RBI to issue bonus shares
• 711 branches and 1747 ATMs as on 31st March 2017
• 6 million+ Customer Base
• 100% CBS since 2005 and all latest technology products are available
• Top Rating from CRISIL (A1+) and ICRA (A1+) for Short Term Borrowings

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Q4FY17 Results Snapshot

Operating Profit Rs.507 crore (↑ 57%)

Net Profit

Rs.218 crore (↑ 58%)

ROA

1.39% (Q4FY16 – 0.97%)

NIM 4.04% (Q4FY16 – 3.55%)

Net NPA

2.53 %

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FY17 Results Snapshot

Net Profit

• Rs. 606 crore

(↑ 7 % )

ROA

1.00%

(FY16 – 1.03%)

NII

Rs.2073 crore

(Rs.1781 crore)

ROE

12.03 %

(FY16 – 12.41%)

CRAR 12.54%

NIM 3.70%

(FY16 – 3.43%)

Deposits

• Rs. 53,700

crore (↑ 7.23 %)

Advances

• Rs. 41,435

crore (↑ 4.96 %)

CASA

• Rs. 14,889

crore (↑ 27.53 %) CASA Share 27.73%

Operating Profit

• Rs. 1,571 crore

(↑ 21%)

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Profit & Loss Account (Quarter)

Units: Rs crore

Particulars Q4FY 2016-17 Q4FY 2015-16 YoY% Net Interest Income 580 473 23% Other Income 232 166 40% Total Income 812 639 27% Operating Expenses 305 317

• 4%

Operating Profit 507 322 57% Provisions 217 50 334% Credit Related 198 89 122% Others 19

• 39
• 149%

Profit Before Tax 290 272 7% Tax 72 134

• 46%

Net Profit 218 138 58%

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Profit & Loss Account (FY)

Units: Rs crore

Particulars Mar-17 Mar-16 YoY% Net Interest Income 2074 1781 16% Other Income 782 707 11% Total Income 2856 2488 15% Operating Expenses 1285 1184 9% Operating Profit 1571 1304 20% Provisions 688 392 76% Credit Related 648 387 67% Others 40 5

• Profit Before Tax

883 912

• 3%

Tax 277 344

• 19%

Net Profit 606 568 7%

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Particulars Total Forex Commissions Other Q4 FY 16-17 233

11 127 17

Q4 FY 15-16 YoY % 40.36% 22.22% 18.69% (-)56.41%

Units: Rs crore

Profit on Sale

• f Investments

78 609.09%

Breakup of Other Income (Quarter)

Fee Income 155

• 166

9 107 39 11 155

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Particulars Total Forex

Commissions

Other FY 16-17 FY 15-16 YoY % 10.61% (-)30.91% 4.34% (-)39.80%

Units: Rs crore

118.09%

Breakup of Other Income (FY)

Fee Income 707 55 460 98 94 613 782 38 480 59 205 577 (-)5.87% Profit on Sale of Investments

• Diverse sources of non – interest income
• Non – interest income contributed 13.91% to total income

for FY 2016-17 KVB’s Fee income streams :

• Banking charges (Corporate, Commercial & Retail)
• Bancassurance
• Third party product sales
• Trade Finance
• Retail Asset fees
• Card fees

―Credit Card ― Debit Card ― Travel Card ― Gift Card

Healthy Other Income Profile

Growth in other income Fee income consistently contributes ~ 74% of other income

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1.8 2.3 2.8 3.4 4 4.6 4.8 0.4 0.3 0.9 1 0.7 0.9 2.1 0.1 0.4 0.2 0.4 0.4 0.5 0.4 0.3 0.6 0.6 0.9 0.7 1 0.6 1 2 3 4 5 6 7 8 9 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Fee Income (Rs. bn) Treasury (Rs. bn) Forex Gain (Rs. bn) Others (Rs. bn) 69% 64% 62% 60% 69% 66% 61% 15% 8% 20% 18% 12% 13% 26% 4% 11% 4% 7% 7% 7% 5% 12% 17% 13% 16% 12% 14% 7% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% FY11 FY12 FY13 FY14 FY15 FY16 FY17 Fee Income % Treasury % Forex Gain % Others %

12.07% 12.34% 10.34% 9.47% 17.28% 5% 10% 15% 20% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Return on Equity

0.97% 1.00% 0.86% 0.74% 1.39% 0.70% 1.00% 1.30% 1.60% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Return on Assets

3.55% 3.52% 3.61% 3.68% 4.04% 3.00% 3.50% 4.00% 4.50% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Net Interest Margin

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49.58% 46.19% 46.31% 51.29% 37.55% 25% 30% 35% 40% 45% 50% 55% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Cost to Income %

Key Ratios (Q4 2016-17)

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Key Ratios (FY 2016-17)

12.03% 12.34% 11.16% 10.35% 12.03% 5% 10% 15% 20% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Return on Equity

1.03% 1.00% 0.93% 0.87% 1.00% 0.60% 0.80% 1.00% 1.20% 1.40% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Return on Assets

3.43% 3.52% 3.60% 3.68% 3.70% 2.40% 2.60% 2.80% 3.00% 3.20% 3.40% 3.60% 3.80% 4.00% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Net Interest Margin

47.63% 46.19% 46.31% 51.29% 44.99% 30% 40% 50% 60% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Cost to Income %

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Particulars

Key Ratios (Quarter)

Q4 FY 16-17 Q4 FY 15-16

Yield on Advances Yield on Funds NIM Business/Emp. (Rs crore) Profit/Emp. (Rs lakh) Cost of Funds

• No. of Employees

11.23% 9.52% 4.04% 12.85 11.73 6.03% 7,400 11.31% 9.87% 3.55% 12.41 7.65 6.88% 7,211 Cost of Deposits 6.15% 7.06% Spread 3.49% 2.99% Cost Income Ratio 37.55% 49.58%

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Particulars

Key Ratios (FY)

FY 16-17 FY 15-16

Yield on Advances Spread NIM Business/Emp. (Rs crore) Profit/Emp. (Rs lakh) Cost of Funds

• No. of Employees

11.34% 3.10% 3.70% 12.85 8.19 6.52% 7,400 11.67% 2.71% 3.43% 12.41 7.87 7.38% 7,211 Yield on Funds 9.62% 10.09% 6.60% 7.40% Cost of Deposits Cost Income Ratio 44.99% 47.63%

Consistency in spreads (Quarterly)

Profitability Metrics

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3.93% 4.23% 4.11% 4.29% 4.08% 4.24% 4.31% 4.25% 4.25% 4.39% 4.61% 4.86% 5.08% 2.67% 2.73% 2.67% 3.08% 3.15% 3.30% 3.39% 3.47% 3.55% 3.52% 3.61% 3.68% 4.04% 1.97% 2.18% 2.09% 2.40% 2.43% 2.57% 2.65% 2.76% 2.99% 2.90% 3.01% 3.17% 3.49% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Spread (Deposits and Advances) Net Interest Margin Spread on Funds

Profitability Metrics

Net Interest Margin (%) over the years

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4.08% 3.99% 4.05% 4.11% 4.11% 4.30% 4.55% 4.60% 4.47% 4.04% 4.18% 4.26% 4.74% 3.62% 3.48% 3.45% 3.06% 2.95% 3.23% 3.39% 3.08% 3.03% 2.64% 2.91% 3.43% 3.70% 3.32% 3.24% 3.04% 2.17% 2.02% 2.42% 2.74% 2.33% 2.41% 2.09% 2.27% 2.71% 3.10% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Spread (Deposits and Advances) Net Interest Margin Spread on Funds

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Particulars Total Deposits Term Deposits 53,700 38,811 50,079 38,404 YoY % 7.23% 1.06%

Units: Rs crore

CASA Mix % 27.73% 23.30%

Deposits

Demand 4,921 4,027 22.20% Savings 9,968 7,648 30.33% CASA 14,889 11,675 27.53% FY 16 -17 FY 15-16

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Retail Liability Franchise – Granular and Sticky

Low dependence on wholesale deposits (FY 2016-17)

Term deposits are primarily retail deposits. Only 9% of term deposits are > Rs.50 Mn

Low concentration of deposits Breakup of deposits (FY17)

< Rs. 1.5 Mn, 62%

• Rs. 1.5 Mn - Rs.

10 Mn., 23%

• Rs. 10 Mn - Rs.

50 Mn, 6% > Rs. 50 Mn, 9% 11% 13% 12% 13% 12% 9% 9% 7% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY 17 Concentration of top 20 depositors % Term Deposits, 72% Savings Deposits, 19% Demand Deposits, 9%

Consistent growth in Savings Deposits since FY10 Growth in demand deposits since 2010 Break-up of deposit base (in %)

Deposit Mix

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13% 13% 11% 11% 13% 14% 15% 19% 11% 10% 8% 8% 8% 14% 8% 9% 76% 77% 81% 81% 79% 78% 77% 72% 0% 20% 40% 60% 80% 100% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Savings Deposits Demand Deposits Time Deposits 21 25 25 31 36 35 40 49 10 20 30 40 50 60 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Demand Deposits Balance (Rs. bn) 25 33 38 44 54 63 76 100 20 40 60 80 100 120 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Savings Deposits Balance (Rs. bn)

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Particulars

YoY %

Units: Rs crore

Advances

Jewel Loan

(included in other segments)

6,159 6,359 Advances 41,435 39,476

4.96%

Corporate 13,612 13,763

(-)1.09%

Commercial 14,504 12,763

13.64%

Agriculture 6,979 7,032

(-)0.75% (-)3.14%

Retail (Personal Banking) 6,340 5,918

7.13%

FY 16-17 FY 15-16

• Average ticket size of Rs 4.67 Mn
• 78% of commercial loans are less than
• Rs. 50 Mn
• Average ticket size of Rs. 351.79 Mn
• 68% of corporate exposure less than
• Rs. 1 Bn

Commercial book break-up* Corporate book break-up*

• Commercial Loans : Exposures upto Rs. 250 Mn
• Corporate Loans : Exposures above Rs. 250 Mn

Loan book break up in FY16-17

Granular Loan Portfolio

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Agriculture, 17% Commercial, 35% Corporate, 33% Retail, 15% < 50 mn, 78% >= 50 mn < 100 mn, 11% >= 100 mn < 250 mn, 10% > 250 mn, 1% < Rs. 250 mn, 17% Rs.250mn

• 500 mn,

26%

• Rs. 500

mn - 1000 mn, 25% > Rs. 1000 mn, 32%

Rs.281 Bn

Sub-sectoral exposures well spread out; diversified industrial exposures (FY16-17)

• Rs. 414 Bn

Breakup of industry exposure (Rs. 127 Bn) Working capital focus enables quicker repricing of loans Low concentration: Top 20 borrowers (% of overall loans)

Breakup of Advances

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68% 83% 79% 79% 32% 17% 21% 21% 0% 20% 40% 60% 80% 100% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Working Capital Loans Term Loans 26% 20% 17% 12% 12% 11% 10% 10% 0% 5% 10% 15% 20% 25% 30% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 INFRASTRUCTUR E 25% POWER 6% TEXTILES 30% IRON & STEEL 9% FOOD PROCESSING 5% CHEMICALS AND CHEMICALS PRODUCTS 4% ALL ENGINEERING 4% CEMENT 3% TRANSPORT EQUIPMENTS 3% GEMS & JEWELLERY 4% OTHERS 15% MANUFACT URING SECTOR 31% JEWEL LOAN 15% Personal Segment Loans 12% TRADING 16% BILLS 4% NBFC 2% OTHER EXPOSURES* 20%

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Advances – Category wise

@ Vehicle, Housing, Deposit loans * includes Commercial Real estate, Capital Market and exposure to other service sectors, etc.

Particulars Amount (Rs. in crore) % to Total Advance Growth Mar-17 Mar-16 Mar-17 Mar-16 Amount % MANUFACTURING SECTOR 12,688 12,707 30.6 32.2 (19) (0.1) JEWEL LOAN 6,159 6,359 14.9 16.1 (200) (3.1) Personal Segment Loans @ 4,847 5,310 11.7 13.5 (463) (8.7) TRADING 6,889 5,771 16.6 14.6 1118 19.4 BILLS 1,592 1,352 3.8 3.4 240 17.8 NBFC 1,159 975 2.8 2.5 184 18.9 OTHER EXPOSURES* 8,101 7,002 19.6 17.7 1099 15.7 TOTAL ADVANCES 41,435 39,476 100.0 100.0 1959 4.96

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Manufacturing Sector - Breakup

INDUSTRY Amount (Rs. in crore) % to Total Advance Growth Mar-17 Mar-16 Mar-17 Mar-16 Amount % INFRASTRUCTURE 2,964 3,354 7.2 8.5 (390) (11.63) TEXTILES 3,769 3,515 9.1 8.9 254 7.23 BASIC METAL & METAL PRODUCTS 1,194 1,225 2.9 3.1 (31) (2.53) FOOD PROCESSING 536 356 1.3 0.9 180 50.56 CHEMICALS & CHEMICALS PRODUCTS 522 720 1.3 1.8 (198) (27.50) ALL ENGINEERING 513 433 1.2 1.1 80 18.48 GEMS & JEWELLERY 445 342 1.1 0.9 103 30.12 TRANSPORT EQUPMENTS 397 368 1.0 0.9 29 7.88 RUBBER & PLASTIC PRODUCTS 355 166 0.9 0.4 189 113.86 MINING & QUARRYING 304 523 0.7 1.3 (219) (41.87) WOOD & WOOD PRODUCTS 268 253 0.6 0.6 15 5.93 CONSTRUCTION 371 406 0.9 1.0 (35) (8.62) PAPER & PAPER PRODUCTS 195 266 0.5 0.7 (71) (26.69) CEMENT & CEMENT PRODUCTS 385 375 0.9 0.9 10 2.67 BEVERAGES & TOBACCO 112 122 0.3 0.3 (10) (8.20) PETROLEUM 34 9 0.1 0.0 25 277.78 GLASS & GLASSWARE 40 56 0.1 0.1 (16) (28.57) LEATHER & LEATHER PRODUCTS 37 19 0.1 0.0 18 94.74 OTHER INDUSTRIES 247 199 0.6 0.5 48 24.12 Total INDUSTRY EXPOSURE 12,688 12,707 30.6 32.2 (19.0) (0.15)

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Retail Advances

Segment Amount (Rs. in crore) Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Housing Loan 436 611 971 1,387 1,757 2,094 2,330 Mortgage Loan (LAP)

• 381

568 787 965 Vehicle Loan 387 492 677 735 782 831 921 Jewel Loan 481 584 832 802 793 703 596 Personal Loan 257 319 341 353 356 354 316 Educational Loan 78 104 133 169 207 245 266 Retail (Others) 413 428 591 464 779 904 946 Total 2,052 2,538 3,545 4,291 5,242 5,918 6,340

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Advances Mix

Advances in Value (Rs.in crore) Advances Mix (in %) ABG- Agri Banking , CBG – Commercial Banking, CIG – Corporate Banking, PBG – Personal Banking Increased focus on Commercial, SME & Retail Advances over the period

2000 4000 6000 8000 10000 12000 14000 16000 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 ABG CBG CIG PBG 16% 18% 18% 17% 18% 16% 31% 32% 33% 32% 33% 33% 43% 38% 37% 37% 34% 35% 10% 12% 13% 14% 15% 16% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 ABG CBG CIG PBG

Investment Portfolio

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Investments Outstanding (Rs. In crore) Portfolio wise Investment Investment Portfolio Modified Duration

HTM AFS HFT Total 4.53 2.20 0.00 3.86

Yield on Investment

14502 14955 14000 14500 15000 Mar'16 Mar'17 HTM 69.83% AFS 30.17% HFT 0.00% 86.23% 0.83% 12.94% SLR Shares Debentures/CD/MF/CP

Investments in shares includes SRs of Rs.504 crore (3.37%)

7.54% 7.22% 1.00% Mar'16 Mar'17

Yield on Investments

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Stress Accounts

• Rs. in Crore

SDR Outstanding (3 accounts)

104.64

5/25 ( 1 Account )

76.78

S4A Accounts (1 Account)

54.10

Sale to ARC in FY 16-17

Nil

Sector Wise Restructured Advances

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S.NO SECTOR AMOUNT (%) to Total Restructured Advances (Rs. in crore) Mar-17 Mar-16 Mar-17 Mar-16 1 AGRICULTURE 7.63 15.82 0.91 1.17 2 INFRASTRUCTURE 416.36 807.02 49.46 59.56 3 TEXTILES 119.88 205.01 14.24 15.13 4 AUTO LOANS 32.47 0.73 3.86 0.06 5 EDUCATIONAL LOANS 0.15 0.97 0.02 0.07 6 FOOD PROCESSING 236.94 224.66 28.15 16.58 7 OTHERS 28.38 100.69 3.37 7.43 TOTAL 841.81 1354.90 100 100 % to Total Advance 2.03% 3.43%

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Movement of Restructured Assets

Units: Rs crore

Particulars Apr-16 to Mar-17 Jan-17 to Mar-17 No.

• f

A/cs Amount (Rs. in crore) No.

• f

A/cs Amount (Rs. in crore) Restructured accounts at the beginning of the period - [A] 117 1354.90 76 1279.10 Fresh Restructuring - [B] 2 1.75 0.00 Addition of facilities in existing restructured A/Cs - [C] 107.20 20.39 Addition through upgradation from NPA – [D] 1 0.02 Accounts closed during the period - [E] 34 380.53 10 344.39

Accounts ceasing to attract higher provision (upgradation)– [F]

28 78.35 26 68.08 Recoveries – [G] 82.40 21.58 Slippages (into NPA )- [H] 25 80.78 7 23.63 Restructured accounts as on 31.03.2017 A+B+C+D-(E+F+G+H) 33 841.81 33 841.81

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Units: Rs crore

NPA Position

Provision Coverage Ratio 82.46% 78.49% 68.26% 67.06 % 57.83 %

511 702 903 1,022 1,484 216 306 565 638 1,033

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Gross NPA Net NPA

1.30 1.79 2.29 2.66 3.58 0.55 0.79 1.44 1.68 2.53 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Net NPA % Gross NPA %

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Movement of NPA

(Rs. in crore)

Particulars Apr 16 –Mar 17 Apr 15 –Mar 16 Movement of Gross NPAs Opening Balance 511.18 677.78 Additions during the period 1,330.83 1,133.41 Reductions during the period 358.20 1,300.01 Closing Balance 1,483.81 511.18 Movement of Net NPAs Opening Balance 216.17 280.97 Additions during the period 940.83 877.26 Reductions during the period 123.54 942.06 Closing Balance 1,033.46 216.17 Movement of Provision for NPA Opening Balance 285.00 380.00 Provn made during the period 484.17 350.12 Write off/Write back of excess provn 340.43 445.12 Closing Balance 428.74 285.00

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Q4 FY 16-17 Q4 FY 15-16

Units: Rs crore

Breakup of Provisions (Other than Tax)

Particulars Total Provisions Standard Assets Restructured Investment 217 (-)2 (-)4 19 Others

• NPA

204 50 5 (-)32 (-)20 (-)19 116

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Particulars Total Provisions Standard Assets Restructured Investment

12M FY 16-17 12M FY 15-16

Units: Rs crore

Others

Breakup of Provisions (Other than Tax)

NPA 392 30 (-)61 (-)1 6 418 688 (-)11 (-)12 30 10 671

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Branch network & ATM network

Growth in Branch & ATM Network

335 369 451 551 572 629 667 711 375 488 825 1276 1616 1645 1655 1747

• 300

200 700 1200 1700 2200 100 200 300 400 500 600 700 800 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 Branch ATM

Number of customers (Millions) Geographical spread of branches (FY 2016-17) Dominant presence (52%) in semi-urban and rural locations State /UT Mar -17 - Branches (Nos) TAMILNADU 377 ANDHRA PRADESH 105 TELANGANA 51 KARNATAKA 49 MAHARASHTRA 27 GUJARAT 15 WEST BENGAL 16 KERALA 17 DELHI 14 PUNJAB 7 UTTARPRADESH 6 ORISSA 5 HARYANA 4 PONDICHERY 6 M.P. 4 RAJASTHAN 3 JHARKHAND 2 CHANDIGARH 1 CHATTISGARH 1 GOA 1 Total 711

Region, Number of branches 18 Divisional Offices spread across the country

Branch Network - Diversified Across the Country

37

South 606 North 39 East 24 West 42 Metro, 27% Urban, 21% Semi-urban, 37% Rural, 15% Branch Distribution in FY17 (711 branches) 2.6 2.9 3.3 3.8 4.5 5.2 5.6 6.29 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17

Exponential growth in Mobile transactions

Leveraging Technology – Alternate Banking Channels

Rising market share in RTGS transactions POS Terminals 38 Cash Deposit Machines

3399 5844 8434 9234 10157 10428 10797 13937 22068 1000 6000 11000 16000 21000 POS Terminals 143 154 205 307 338 341 352 352 353 354 389 403 444 50 100 150 200 250 300 350 400 450 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Cash Deposit Machines (Nos.) 0.79% 0.84% 0.91% 0.94% 0.99% 1.14% 0.60% 0.70% 0.80% 0.90% 1.00% 1.10% 1.20% FY12 FY13 FY14 FY15 FY16 FY17 Series1 6 15 40 168 722 200 400 600 800 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Mobile Banking (Nos in '000)

Mobile Banking (Nos in '000)

38

39

Capital Adequacy Ratio (FY 12 to FY 14 Basel II and FY 15 onwards Basel III)

Capital Adequacy

13.12% 13.10% 11.62% 13.56% 11.26% 11.85% 1.21% 1.31% 1.15% 1.05% 0.91% 0.69% 14.33% 14.41% 12.77% 14.61% 12.17% 12.54%

0% 2% 4% 6% 8% 10% 12% 14% 16%

Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17

Tier 1 Tier 2

Young workforce ( average 33 years)….. … and well qualified work force… …with lower attrition … …leading to improving productivity

37% below 30 yrs of age out of 7,400 employees

Human Resources

40

34 34 32 32 32 33 33 33 30 31 32 33 34 35

FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17

PG 50% Graduat e 38% Others 12% 2.9% 4.4% 5.4% 8.4% 6.2% 4.5% 2.7% 2.2% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 983 1159 1249 1241 1363 1294 1343 1338 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 200 400 600 800 1000 1200 1400 1600 Business per branch (Rs. million) 78 93 99 101 106 112 124 129 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 20 40 60 80 100 120 140 Business per employee (Rs. million) 8.05 9.09 8.84 8.18 5.85 6.45 7.87 8.19 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 2 4 6 8 10 Profit per employee (Rs. lacs)

A Decade of Progress

Units: Rs crore

41

Year 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 Paid up Capital 53.94 53.95 54.44 94.49 107.18 107.18 107.18 121.63 121.86 121.86 Reserves 1136.06 1296.21 1565.54 2020.05 2601.04 2978.01 3219.16 4124.4 4451.09 4723.16 Owned funds 1190 1350.16 1619.98 2114.54 2708.22 3085.19 3326.34 4246.03 4572.95 4845.02 CRAR - Basel II

• 14.92%

14.49% 14.41% 14.33% 14.41% 12.77% 14.63% 12.26

• Basel III
• 12.60% 14.62%

12.17 12.54 Deposits 12550 15101 19272 24722 32112 38653 43758 44690 50079 53700 Advances 9569 10563 13675 18052 24205 29706 34226 36691 39476 41435 Total Income 1289 1711 2005 2482 3621 4695 5680 5977 6150 6405 Operating Profit 308 418 463 600 726 849 838 943 1303 1571 Net Profit 208 236 336 416 502 550 430 464 568 606 Dividend (%) 120 120 120 120 140 140 130 130 140 130 (@) Branches (No.) 288 312 335 369 451 551 572 629 667 711 EPS (Rs.) 38.62 43.71 62.23 44.9 46.81 51.35 40.08 39.86 46.59 9.95 (*) Return on Assets 1.63% 1.49% 1.76% 1.71% 1.56% 1.35% 0.86% 0.88% 1.03% 1.00% Book Value(Rs.) 220.61 250.25 297.6 193.04 252.68 287.85 308.91 348.42 375.25 79.51 (*) No of Employees 3580 3941 4175 4574 5673 6730 7339 7197 7211 7400 (@) Proposed (*) During the Financial Year 2016-17, one Equity Share face value of Rs.10/- each was subdivided into five Equity Shares face value of Rs.2/- each

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