Investor Presentation
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1 Investor Presentation
2 Awards and Accolades IDRBT Award for the Best Bank Among Small Banks for Digital Banking, on IDRBT Award for the Best Bank Among Small Banks for Managing IT Ecosystem, on Dun & Bradstreet Banking Awards 2016, Karur Vysya Bank has been awarded the Best Private Sector Bank Priority Sector Lending on FE India s Best Banks Award, KVB is the winner in Credit Quality category for the year received on Karur Vysya Bank has been selected as The Best Bank at National Level under Private Sector category for the year in the State Forum of Bankers Clubs Kerala (SFBCK) Banking Excellence Award 2016 on Karur Vysya Bank has received NSDL star performer award for the top performer in new accounts opened under Bank Category - 2 nd position on Award for Solar irrigation pump scheme Ministry of New & Renewable Energy, Government of India has selected Karur Vysya Bank for 1 st prize for having achieved highest disbursement under the category Solar irrigation pumps Off grid & decentralized solar applications programe for the FY on Business Today KPMG Award Best Small Bank for FY announced in January
3 About Us Banking tradition of 100 years Earning profits since its inception Declaration of uninterrupted dividend 100% and above dividend for 15 years consecutively from 2004, out of which 120% for five years Dividend of 130% for two years and 140% for two years First bank to get permission from RBI to issue bonus shares 706 branches and 1711 ATMs as on 31 st December 2016 A Customer Base of 6.09 million Fully on CBS facility since 2005 and all latest technology products are available Top Rating from CRISIL (A1+) and ICRA (A1+) for Short Term Borrowings 3
4 Q3FY17 Results Snapshot Deposits Rs. 55,066 crore ( 16.33%) Advances Rs. 38,459 crore ( 1.54%) CASA Rs.16,973crore ( 53.26%) (30.80% as %of Total Deposits) Branches 706 ATMs 1711 Net Profit Rs. 116 crore ( 24.25%) ROA 0.74% (Q3FY %) NIM 3.68% (Q3FY %) Net NPA 1.68% (Q3FY %) 4
5 9Months FY17 Results Snapshot Net Profit Rs. 388 crore ( 10%) ROA 0.87% (9 month FY %) NIM 3.62% (9 month FY %) ROE 10.35% (9 month FY %) 5
6 Profit & Loss Account Units: Rs crore Particulars Quarter Ended Q3FY17 Q3FY16 YoY% Net Interest Income % Other Income (-)2% Total Income % Operating Expenses % Operating Profit (-)17% Operating Profit before amortisation of loss on sale of assets to ARC % Provisions % Credit Related Others Profit Before Tax (-)24% Tax (-)23% Net Profit (-)25% 6
7 Profit & Loss Account Particulars 9 months Ended FY 17 FY16 YoY% Units: Rs crore Net Interest Income % Other Income % Total Income % Operating Expenses % Operating Profit % Operating Profit before amortisation of loss on sale of assets to ARC % Provisions % Credit Related Others Profit Before Tax % Tax % Net Profit % 7
8 Breakup of Other Income (Quarter) Particulars Total Q3 FY Units: Rs crore Q3 FY YoY % 173 (-)1.73% Fee Income (-)15.85% Forex (-)61.53% Commissions % Other (-)42.85% Profit on Sale of Investments % 8
9 Breakup of Other Income (9 months) Particulars Total Fee Income Units: Rs crore 9M FY M FY YoY % % (-)7.43% Forex (-)39.13% Commissions % Other (-)28.81% Profit on Sale of Investments % 9
10 Healthy Other Income Profile Growth in other income Fee income consistently contributes ~ 60% of other income FY11 FY12 FY13 FY14 FY15 FY16 9MFY17 Fee Income (Rs. bn) Treasury (Rs. bn) Forex Gain (Rs. bn) Others (Rs. bn) 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 12% 17% 13% 16% 12% 7% 14% 5% 4% 4% 7% 15% 11% 7% 7% 20% 12% 20% 13% 8% 18% 69% 64% 62% 60% 69% 66% 68% FY11 FY12 FY13 FY14 FY15 FY16 9MFY17 Fee Income % Treasury % Forex Gain % Others % Diverse sources of non interest income Non interest income contribution to total income at 11.5% for FY 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 10
11 Key Ratios (For the quarter ended) Net Interest Margin Cost to Income % 4.00% 3.80% 3.60% 3.40% 3.20% 3.47% 3.55% 3.52% 3.61% 3.68% 65% 60% 55% 59.47% 56.01% 55.18% 60.48% 3.00% 2.80% 2.60% 50% 45% 47.57% 2.40% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 40% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Return on Assets Return on Equity 1.40% 20% 1.20% 1.00% 0.80% 1.10% 0.97% 1.00% 0.86% 0.74% 15% 10% 12.00% 12.07% 12.34% 10.34% 9.47% 0.60% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 5% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 11
12 Key Ratios (For the 9 months ended) Net Interest Margin Cost to Income % 4.00% 3.80% 3.60% 3.40% 3.20% 3.00% 2.80% 2.60% 2.40% 3.60% 3.62% 3.52% 3.39% 3.43% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 60% 56.01% 57.22% 55.57% 55% 50.35% 50% 47.20% 45% 40% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Return on Assets Return on Equity 1.40% 20% 1.20% 1.00% 0.80% 1.05% 1.03% 1.00% 0.93% 0.87% 15% 10% 12.23% 12.41% 12.34% 11.16% 10.60% 0.60% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 5% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 12
13 Key Ratios Particulars Q3 FY Q3 FY Cost of Deposits 6.44% 7.37% Yield on Advances 11.30% 11.62% Cost of Funds 6.34% 7.33% Yield on Funds 9.55% 10.09% Cost Income Ratio 60.48% 47.57% Cost Income Ratio(before amortisation) 51.29% 46.86% Spread 3.21% 2.76% NIM Business/Emp. (Rs crore) Profit/Emp. (Rs lakh) No. of Employees 3.68% %
14 Key Ratios Particulars Cost of Deposits 9M FY M FY % 7.52% Yield on Advances 11.38% 11.79% Cost of Funds 6.67% 7.50% Yield on Funds 9.75% 10.16% Cost Income Ratio 57.22% 47.20% Cost Income Ratio(before amortisation) Spread NIM 47.95% 46.96% 3.08% 2.66% 3.62% 3.39% Business/Emp. (Rs crore) Profit/Emp. (Rs lakh) No. of Employees , ,278 14
15 Cost and Yield on Funds (%) Profitability Metrics Consistency in spreads FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 9M FY17 Yield on funds Cost of funds Net Interest Margin (%) over the years Net Interest Margin FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 9 M FY17 Net Interest Margin 15
16 Deposits Particulars Q3 FY Q3 FY Units: Rs crore YoY % Total Deposits 55,066 47, % CASA 16,973 11, % CASA Mix % 30.82% 23.40% Demand 5,816 3, % Savings 11,157 7, % Term Deposits 38,093 36, % 16
17 Retail Liability Franchise Granular and Sticky Low dependence on wholesale deposits (FY17) Term deposits are primarily retail deposits. Only 6% of term deposits are > Rs.50 Mn < Rs. 1.5 Mn, 63% Rs. 1.5 Mn - Rs. 10 Mn., 23% Low concentration of deposits > Rs. 50 Mn, 8% Rs. 10 Mn - Rs. 50 Mn, 6% Breakup of deposits (9M FY17) 13% 13% 12% 11% 12% 9% 9% 5% FY10 FY11 FY12 FY13 FY14 FY15 FY16 9MFY17 Concentration of top 20 depositors % Term Deposits, 69% Savings Deposits, 20% Demand Deposits, 11% 17
18 Deposit Mix Break-up of deposit base (in %) 100% 80% 60% 40% 76% 77% 81% 81% 79% 78% 77% 69% 20% 0% 13% 13% 20% 11% 11% 13% 14% 15% 11% 10% 8% 8% 8% 8% 8% 11% FY10 FY11 FY12 FY13 FY14 FY15 FY16 9MFY17 Demand Deposits Savings Deposits Time Deposits Demand deposit balances since FY10 Savings deposit balances since FY Demand Deposits Balance (Rs. bn) Savings Deposits Balance (Rs. bn) 18
19 Advances Particulars Q3 FY Q3 FY YoY % Units: Rs crore Advances 38,459 37, % Corporate 12,890 13,772 (-)6.40% Commercial 13,035 12, % Agriculture 6,442 6, % Retail (Personal Banking) 6,093 5, % Jewel Loan (included in other segments) 6,094 6, (-)2.99%
20 Advances Category wise Particulars Amount (Rs. in crore) % to Total Advance Growth Over Dec-15 Dec-16 Dec-15 Mar-16 Dec-16 Dec-15 Mar-16 Quantum % MANUFACTURING SECTOR 12,627 13,688 13, (1061) (7.8) JEWEL LOAN 6,094 6,282 6, (188) (3.0) Personal Segment 5,364 5,031 5, TRADING 5,783 5,845 5, (62) (1.1) BILLS 1,118 1,347 1, (229) (17.0) NBFC 1, OTHER EXPOSURES* 6,432 4,882 6, TOTAL ADVANCES 38,459 37,872 39, Vehicle, Housing, Deposit loans **includes Commercial Real estate, Capital Market and exposure to other service sectors, etc. 20
21 Manufacturing Sector - Breakup INDUSTRY Amount (Rs. in crore) % to Total Advance Growth Dec-16 Dec-15 Mar-16 Dec-16 Dec-15 Mar-16 Amount % TEXTILES 3,423 3,278 3, INFRASTRUCTURE (Ex - (233) (11.06) Power) 1,874 2,107 2, POWER 877 1,257 1, (380) (30.23) FOOD PROCESSING 1,302 1,281 1, BASIC METAL & METAL (306) (19.70) PRODUCTS 1,247 1,553 1, (338) CHEMICALS & (40.92) CHEMICALS PRODUCTS ALL ENGINEERING (158) (26.38) TRANSPORT EQUPMENTS CEMENT & CEMENT (3) PRODUCTS (0.79) GEMS & JEWELLERY OTHER INDUSTRIES 1,832 1,710 2, Total INDUSTRY EXPOSURE 12,627 13,688 13, (1061) (7.78) 21
22 Retail Advances Segment Amount (Rs. in crore) Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Dec-16 Housing Loan ,387 1,757 2,094 2,264 Vehicle Loan Educational Loan Personal Loan Jewel Loan Mortgage Loan (LAP) Retail (Others) Total 2,538 3,545 4,291 5,242 5,878 6,093 22
23 Advances Mix Advance in Value (Rs.in crore) Advance Mix (in %) Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Dec-16 ABG CBG CIG PBG 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 43% 38% 37% 35% 34% 34% 32% 32% 33% 34% 31% 30% 18% 16% 17% 17% 18% 17% 14% 15% 16% 10% 12% 12% Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Dec-16 ABG CBG CIG PBG ABG- Agri Banking, CBG Commercial Banking, CIG Corporate Banking, PBG Personal Banking Increased focus on Commercial, SME & Retail Advances over the period 23
24 Investment Portfolio Investment Outstanding (Rs. In crore) Portfolio wise Investment HFT, 0.12% AFS, 36.79% HTM, 63.09% Dec'15 Mar'16 Dec'16 Investment Portfolio SLR Shares Debentures/CD/MF/CP Modified Duration HTM AFS HFT Total % 8.66% Yield on Investment Yield on Investments 7.54% 7.54% 7.27% 90.58% 6.00% 1.00% Dec'15 Mar'16 Dec'16 out of 8.66% Security Receipts constitutes 2.66%(Rs Crores) 24
25 Sector Wise Restructured Advances S.NO SECTOR AMOUNT (Rs. in crore) (%) to total Rest. Adv Dec-16 Mar-16 Dec-16 Mar-16 1 AGRICULTURE IRON AND STEEL Nil Nil Nil 3 INFRASTRUCTURE TEXTILES HOUSING LOANS AUTO LOANS EDUCATIONAL LOANS REAL ESTATE FOOD PROCESSING OTHERS TOTAL 1, % to Total Advance 3.32% 3.43%
26 Movement of Restructured Assets Units: Rs crore Oct 16 to Dec ,245 1,279 Opening Balance Additions Reductions Slippage to NPA Closing Balance % of Advances 3.25% % 0.09% 3.15% 26
27 Stress Accounts Rs. in Crore SDR Outstanding (4 accounts) /25 ( 1 Account ) S4A Accounts Nil Sale to ARC in 9 months of FY Nil 27
28 NPA Details 1,200 1, Gross and Net NPA Units: Rs crore Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Gross NPA Net NPA 1, % 2.0% 1.0% 1.91% 0.96% 1.30% 0.55% 1.79% 0.79% 2.29% 1.44% 2.66% 1.68% 0.0% Gross NPA % Net NPA % Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Provision Coverage Ratio 75.20% 82.46% 78.49% 68.26% 67.06% 28
29 Movement of NPA (Rs. in crore) Particulars Apr 16 Sep 16 Oct 16 Dec 16 Apr-16 Dec 16 Apr 15 - Dec 15 Movement of Gross NPAs Opening Balance Additions during the period Reductions during the period Closing Balance Movement of Net NPAs Opening Balance Additions during the period Reductions during the period Closing Balance Movement of Provision for NPA Opening Balance Provn made during the period Write off/write back of excess provn Closing Balance
30 Breakup of Provisions (Other than Tax) Particulars Units: Rs crore Q3 FY Q3 FY YoY % Total Provisions % NPA % Standard Assets Restructured Investment (-) Others
31 Breakup of Provisions (Other than Tax) Particulars Total Provisions NPA Units: Rs crore 9M FY M FY YoY % (-)16.66% (-)6.39% Standard Assets Restructured Investment Others (-)9 (-) (-)
32 Growth in Branch & ATM Network Branch network & ATM network FY10 FY11 FY12 FY13 FY14 FY15 FY16 9MFY Branch ATM 32
33 Branch Network - Diversified Across the Country Geographical spread of branches 9 months (FY17) State /UT Dec-16 - Branches (Nos) Region, Number of branches 18 Divisional Offices spread across the country South 601 North 39 East 24 West 42 TAMILNADU 375 ANDHRA PRADESH 102 TELANGANA 51 KARNATAKA 49 MAHARASHTRA 27 GUJARAT 15 WEST BENGAL 16 Dominant presence (52%) in semi-urban and rural locations KERALA 17 Branch Distribution in 9MFY16 (706 branches) Rural, 15% Semi-urban, 37% Metro, 27% Urban, 21% DELHI 14 PUNJAB 7 UTTARPRADESH 6 ORISSA 5 HARYANA 4 PONDICHERY 6 M.P. 4 Number of customers (Millions) RAJASTHAN 3 JHARKHAND CHANDIGARH 1 CHATTISGARH 1 GOA 1 Total 706 FY10 FY11 FY12 FY13 FY14 FY15 FY16 9MFY17 33
34 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Leveraging Technology Alternate Banking Channels Rising market share in RTGS transactions POS Terminals 1.05% 1.00% 0.95% 0.90% 0.85% 0.80% 0.79% 0.84% 0.91% 0.94% 0.99% 1.01% % 0.70% FY12 FY13 FY14 FY15 FY16 9MFY17 Market share in RTGS transactions (by volume) POS Terminals Exponential growth in Mobile transactions Cash Deposit Machines Mobile Banking (Nos in '000) Mar-13 Mar-14 Mar-15 Mar-16 Dec-16 0 Mobile Banking (Nos in '000) Cash Deposit Machines (Nos.) 34
35 Capital Adequacy Capital Adequacy Ratio (Basel III) 16% 14% 12% 12.90% 0.94% 12.17% 0.91% 11.67% 11.44% 0.81% 0.77% 11.79% 0.74% 10% 8% 6% 4% 11.96% 11.26% 10.86% 10.67% 11.05% 2% 0% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Tier 1 Tier 2 35
36 Human Resources Young workforce, average 33 years well qualified work force with decreasing attrition over time % below 30 yrs of age out of 7,218 employees Graduate, 39% Others, 12% PG, 49% 2.9% 4.4% 5.4% 8.4% 6.2% 4.5% 2.7% 0.58% leading to improving productivity, despite employee base rising 1.6x between FY FY10 FY11 FY12 FY13 FY14 FY15 FY16 9M FY FY10 FY11 FY12 FY13 FY14 FY15 FY16 9M FY17 0 Business per employee (Rs. million) Business per branch (Rs. million) 36
37 A Decade of Progress Units: Rs crore Year Paid up Capital Reserves Owned funds CRAR - Basel II % 14.49% 14.41% 14.33% 14.41% 12.77% 14.63% Basel III % 14.62% Deposits Advances Total Income Operating Profit Net Profit Branches (No.) EPS (Rs.) Return on Assets 1.53% 1.63% 1.49% 1.76% 1.71% 1.56% 1.35% 0.86% 0.88% 1.03% Book Value(Rs.) No of Employees
38 38
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Market Share in Advances increases to 1.01%. Up by 6bps. Market Share in deposits increases to 0.91%. Up by 3bps Y-o-Y
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