KARURVYSYA

IRC: F48:70: 196:2022 20.05.2022 The Manager, The Manager, National Stock Exchange of India Ltd, Bombay Stock Exchange Ltd, Exchange Plaza, 5th Floor, Phiroze Jeejeebhoy Towers, Plot No. C/ 1, 'G' Block, Dalai Street, Bandra- Kurla Complex, Mumbai -- 40000 1 sandra (East), Mumbai - 400051 Scrip Code: KARURVYSYA Scrip Code: 590003 Dear Sir, Sub: Regulation 30161 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Intimation of Investor Presentation - Audited Financial Results of the Bank for the Quarter and Year ended 3 lst March 2022. Pursuant to Regulation 30(61 of DEBI IListing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the Investor Presentation on the Audited Financial Results of the Bank for the Quarter and Year ended 31st March 2022 and the same has been updated in our Bank's website. Kindly take the same on record Yours faithfully, Company Secretary & Deputy General Manager End: a.a THE KARUR VYSYA BANK LIMITED Investor Relations Cell, Registered & Central Office, No.20. Erode Road. Vadivel Nagar, L.N.S.. Karur . 639 002. a): 04324-269431 ,35,40-43, Fax: 04324-225700 Email: kvbshares@kvbmail.com Website: www.kvb.co.in CIN: L65110TN1916PLCO01295 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 stated, 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 Bank 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 www.kvb.co.in Growing stronger & bigger everyday.. 3 www.kvb.co.in Awards and Accolades Excellence in supporting Best IT Risk and cyber Best Cloud Adoption by Education and Skill - Special Best Use of AI/ML & Data Security Risk Initiatives IBA Banking Technology Recognition by ASSOCHAM Analytics by IBA Banking Runner-up by IBA Banking Awards, 2021 CSR & Sustainability Awards, Technology Awards, 2021 Technology Awards, 2021 2021 Best Technology Enabler Best MSME Bank Exemplary Community Government of India Best Innovative Bank and of the Year of the Year Economic Development Award for Excellence Best MSME Friendly Bank ASSOCHAM 8th MSMEs - Runner Up Work with sustainable MEITY DIGIDHAN CIMSE MSME Banking Summit of Excellence ASSOCHAM 8th MSMEs impact by Rotary CSR Award Excellence Awards, 2021 Summit of Excellence Award, 2021 4 www.kvb.co.in Strong presence in India’s fast growing hinterland Category 31.03.22 31.03.21 31.03.20 Branches 789 780 779 ATM’s + Cash Recyclers 2,223 2,236 2,224 1 6 1 12 6 Category No. of Branches BBU* CBU* Other offices^ Metro 203 10 9 8 1 6 1 Urban 156 4 - - 15 4 1 14 Semi Urban 302 2 - - 1 Rural 128 - - - 5 25 Total 789 16 9 8 60 BC Outlets 145 1 *BBU – Business Banking Unit No. of Branches 51 125 *CBU – Corporate Business Unit ^ Other offices - Asset Recovery Branches, NEO and PMD Metro 7 16% 26% 425 Urban 21 Semi Urban 38% 20% Rural 6 www.kvb.co.in Key Highlights for the Quarter Business growth - 3% Cost to Income Ratio 51.80% Operating Profit Rs 441 cr RoA @ 1.06% up by 118% CRAR 19.46% Tier I at 17.49% Net Profit Rs 213 cr PCR (RBI) 80.27% up by 105% PCR (Market) 63.25% Business per Employee Net Interest Margin at Rs. 17 crore 3.79% www.kvb.co.in Key Highlights for the Year Gross Advances Rs NIM 3.69% 57,550 cr up by 9% Deposits Rs. 68,676 cr up Cost to Income ratio - by 9% 53.20% CRAR 19.46% CASA @ 35% Tier I at 17.49% Operating Profit Rs. 1,630 cr ROA - 0.86% up by 26% GNPA 5.96% Net Profit Rs. 673 cr NNPA 2.28% up 87% www.kvb.co.in (Rs. crore) Key Performance Indicators – KPIs (quarter) Growth Particulars Mar 22 Mar 21 Dec 21 Sep 21 Jun 21 %/bps Particulars Net interest income 710 613 16 686 680 638 Operating profit 441 202 118 401 375 412 Net profit 213 104 105 185 165 109 Advances (Gross) 57,550 52,820 9 55,793 53,850 52,315 Deposits 68,676 63,278 9 66,871 65,410 64,398 NIM(%) 3.79 3.46 0.33 3.68 3.74 3.55 ROA(%) 1.06 0.55 0.51 0.93 0.86 0.57 CRAR(%) 19.46 18.98 0.48 18.79 18.82 19.06 GNPA(%) 5.96 7.85 (1.89) 6.97 7.38 7.97 NNPA(%) 2.28 3.41 (1.13) 2.55 2.99 3.69 PCR(%) 80.27 72.70 7.57 78.81 76.28 72.40 9 www.kvb.co.in (Rs. crore) Profit & Loss Statement Quarter 12 months Particulars Growth % Growth % Mar 22 Mar 21 Mar 22 Mar 21 (YoY) (YoY) Net Interest Income 710 613 16 2,715 2,360 15 Other Income 205 169 21 769 919 (16) - Fee income 182 157 16 634 548 16 - Others 23 12 92 135 371 (64) Total Income 915 782 17 3,484 3,279 6 Operating Expenses 474 579 (18) 1,854 1,987 (7) - Employee expense1 223 351 (36) 945 1,154 (18) - Other operating expense 251 228 10 909 833 9 Operating Profit 441 202 118 1,630 1,292 26 Provisions 140 24 483 699 757 (8) - Credit Related 136 62 119 719 724 1 - Others 4 (38) - (20) 33 - Profit Before Tax 301 178 69 931 534 74 Tax (net of DTA/DTL) 88 74 19 258 175 47 Net Profit 213 104 105 673 359 87 1 – Includes an amount of Rs. 26.75 crore for Q4 & Rs. 80.26 for 12 months FY 2021-22 (Rs. 26.76 crore for Q2 Sep 21 and Rs. 26.75 crore for Q3 Dec 21) towards enhancement of family pension paid as per XI BPS. (12 months FY 2020-21 includes XI BPS of Rs. 246 crore) 10 www.kvb.co.in Key Ratios Quarter 12 months Particulars Mar 22 Mar 21 Mar 22 Mar 21 Cost of Deposits (%) 4.12 4.63 4.30 4.96 Yield on Advances (%) 8.28 8.52 8.47 8.93 Cost of Funds (%) 4.14 4.65 4.32 4.99 Yield on Funds (%) 7.27 7.42 7.34 7.67 Net Interest Margin (%) 3.79 3.46 3.69 3.40 Spread (%) 3.13 2.77 3.02 2.68 Cost to income (%) 51.80 74.11 53.20 60.60 Return on Equity (%) 11.22 6.00 8.86 5.16 Return on Asset (%) 1.06 0.55 0.86 0.49 EPS (Rs.) * 2.67 1.31 8.42 4.50 * Not annualized for quarter 11 www.kvb.co.in (Rs. crore) Balance Sheet Particulars Mar 22 Mar 21 YoY (%) Capital & Liabilities Capital 160 160 - Reserves and Surplus 7,436 6,800 9 Deposits 68,676 63,278 9 Borrowings 1,339 2,528 (47) Other Liabilities and Provisions 2,433 1,857 31 Total 80,044 74,623 7 Assets Cash and Balances with RBI 3,594 3,124 15 Balances with Banks 1,332 3,196 (58) Investments (Net) 17,216 16,019 7 Advances (Net) 55,335 50,364 10 Fixed Assets 479 539 (11) Other Assets 2,088 1,381 51 Total 80,044 74,623 7 12 www.kvb.co.in (Rs. crore) Capital to Risk Weighted Assets Ratio – Basel III Particulars Mar 22 Mar 21 Dec 21 CRAR % 19.46 18.98 18.79 Total capital 8,108 7,515 7,531 Tier I capital 7,288 6,711 6,717 Tier II capital 820 803 814 RWA 41,667 39,598 40,074 Credit risk 33,631 32,003 32,064 Operational risk 6,071 6,005 6,071 Market risk 1,965 1,590 1,939 18.98 19.46 14.43 16.00 17.17 RWA/total asset 2.03% 1.97% 1.90% 0.51% 1.72% 66% 63% 61% 53% 52% 16.95% 17.49% 13.92% 14.28% 15.27% Mar 18 Mar 19 Mar 20 Mar 21 Mar 22 Mar 18 Mar 19 Mar 20 Mar 21 Mar 22 Tier I Tier II 13 www.kvb.co.in (Rs. crore) Total Business Parameter Mar 22 Mar 21 YoY % Dec 21 Deposits 68,676 63,278 9 66,871 Gross Advances 60,510 54,976 10 58,304 Advances (after Tech. W/off) 57,550 52,820 9 55,793 Total Business 1,26,226 1,16,098 9 1,22,664 Deposits Portfolio Parameter Mar 22 Mar 21 YoY % Dec 21 Demand Deposit 6,921 6,439 7 7,404 Saving Deposit 16,983 15,215 12 16,723 CASA 23,904 21,654 10 24,127 CASA (%) 35 34 - 36 Term Deposit 44,772 41,624 8 42,744 Total Deposit 68,676 63,278 9 66,871 15 www.kvb.co.in (Rs. crore) Growing our books responsibly Particulars Mar 22 Mar 21 YoY % Dec 21 Agriculture 11,531 13 12,468 13,044 Retail (Personal Banking) 12,257 8 12,932 13,265 Commercial 16,687 12 18,039 18,698 Corporate 14,371 7 14,726 15,316 Corporate (after Tech. W/off) 12,543 12,345 2 12,354 Gross Advances 52,820 9 55,793 57,550 18698 17056 17500 16095 15620 16687 14169 14397 13265 12767 12345 13044 Segments 11500 12257 12543 11193 11531 11278 ABG – Agri 7861 CBG – Commercial (<= Rs. 25 crore) 8936 7620 8113 CIG – Corporate (> Rs. 25 crore) 5500 FY18 FY19 FY20 FY21 FY22 PBG – Personal ABG CBG CIG PBG 16 www.kvb.co.in (Rs. crore) Retail Portfolio Particulars Mar 22 Mar 21 YoY % Dec 21 Housing loan 5,823 5,343 9 5,673 Jewel loans 1,891 1,763 7 1,914 Mortgage (LAP) loans 1,832 1,691 8 1,747 Vehicle loans 1,085 1,046 4 1,054 Personal loans 409 609 (33) 454 Educational loans 162 178 (9) 164 Others loans 2,063 1,627 27 1,926 Total 13,265 12,257 8 12,932 Retail Loan (ex: Jewel Loan) (Rs.crore) Particulars FY 22 FY 21 FY 20 Sanctioned 3,978 3,106 2,565 Disbursed 2,107 1,294 1,850 17 www.kvb.co.in (Rs. crore) Driving growth across verticals Gold Loan portfolio (Bank as a whole) Ticket size of Commercial Book 16000 24 25 25 25 25 25 14000 11% 6% 20 13206 13473 13718 14147 12000 12852 10000 15 83% 8000 10 6000 5 4000 0 2000 < 5 crore >= 5 crore < 10 crore >= 10 crore Mar 21 Jun 21 Sep 21 Dec-21 Mar-22 Gold loan % of advance SMA 30+ SMA 30+ • Average ticket size - Rs.39.3 lakh Category Amount LTV 31.03.2022 31.12.2021 • ~83% of commercial loans are Gold loan 14,147 74 260 68 less than Rs. 5 crore 18 www.kvb.co.in (Rs. crore) ECLGS (Emergency Credit Line Guarantee Scheme) Portfolio Vertical wise Vertical Mar 22 Mar 21 Dec 21 Agriculture 4 5 5 Commercial 1,488 1,431 1,477 Corporate 960 721 805 TOTAL 2,452 2,157 2,287 Scheme wise Particulars O/s as on 31.03.2022 NPA ECLGS 1.0 1,969 57 ECLGS 2.0 453 - ECLGS 3.0 29 - ECLGS 4.0 1 - TOTAL 2,452 57 19 www.kvb.co.in (Rs. crore) Corporate Loan Book Standard Corporate advances > 100 crore Improving Risk Profile 4200 8.0 12% 10% 8% 8% 7% 5.5 5.5 4.6 4.7 5.3 43% 43% 43% 37% 34% 2600 5.0 27% 27% 26% 27% 28% 19% 20% 21% 28% 32% 2927 2884 2453 2622 3,041 1000 2.0 Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Amount > 100cr % on advance A & above BBB BB <BB *Internal Rating approach based on CRISIL Rating Assessment Model Breakup of Corporate Book 13% 31% 8% 17% 28% Consortium • ~69% of corporate loans are 18% MBA 28% less than Rs. 100 crore Sole Banking 29% NBFC • Average ticket size Rs. 38.81 28% Govt/PSU crore < 25 cr >= 25 cr < 50 cr >= 50 cr < 100 cr >= 100 cr 20 www.kvb.co.in Sectoral composition Rs.57,550 crore Breakup of Industrial exposure (Rs. 14,498 crore) OTHERS OTHER EXPOSURES MINING AND 5% NBFC 8% QUARRYING INFRASTRUCTURE 4% 17% 4% GEMS & JEWELLERY BILLS 6% 2% Agri MANUFACTURING CEMENT CONSTRUCTION 2% SECTOR 1% 4% 25% CRE ALL ENGINEERING 6% 4% WOOD AND ITS PRODUCTS 2% PAPER AND PAPER TRADING PRODUCTS RUBBER AND RUBBER 14% JEWEL LOAN 3% PRODUCTS 25% TEXTILES 3% PERSONAL SEGMENT 29% LOANS CHEMICALS AND 14% CHEMICAL PRODUCTS 4% FOOD PROCESSING 12% IRON & STEEL 6% 21 www.kvb.co.in (Rs. crore) Secured Exposure Nature of security 31.03.2022 Exposure backed by - Letter of Credit 358 Govt. Guarantee (Emergency Credit Line Guarantee Scheme- ECLGS) 2,452 Liquid Assets ^ 15,009 Vehicles 2,538 Commodities 141 Total (1) 20,498 Exposure secured by Immovable Property ( Coverage) > 100 26,761 90 to <100 7,768 75 to <90 1,729 50 to <75 3,421 <50 2,275 Total (2) 41,954 Exposure without Immovable property as security Corporate, Consortium, Government etc. 2,220 Unsecured Exposure 1,039 Total (3) 3,259 Total Risk Assets outstanding - Fund and Non Funded (1+2+3)* 65,711 * Total risk assets including technical write off accounts ^ Liquid Assets - Cash, Jewels, NSC/Insurance policies & other liquid assets Coverage defined as (Value of Security)/Loan Principal O/s; & is based on available valuation. 22 www.kvb.co.in Portfolio performance Portfolio performance (Rs. crore) 117 100 107 110 Balance in INR , Base Mar.31,2017=100 Particulars Mar 22 Mar 21 94 SMA 30+ 75 76 SMA 1 305 558 63 44 44 46 45 42 43 34 SMA 2 165 303 26 23 19 23 12 SMA 30+ 470 861 16 SMA 30+ - 0.82% SMA 1 - 0.53% 114 SMA 2 - 0.29% 100 Portfolio Performance 101 102 85 SMA 30+ 65 66 54 36 39 39 37 34 35 27 18 20 14 20 9 13 23 www.kvb.co.in Liability Franchise : Predominantly Retail 25% Term Deposits 10% • Term deposits are 65% Demand Deposits primarily retail deposits Savings Deposits 92% of term deposits are < Rs.5 Cr Concentration of Top 20 depositors Low dependence on wholesale deposits 8% 12% 6% 6% 6% 6% 5% 21% 59% FY 18 FY 19 FY 20 FY 21 FY 22 < Rs.15 Lakhs Rs.15 Lakhs-Rs.1 Cr Rs.1 Cr-Rs.5 Cr > Rs.5 Cr Concentration of Top 20 depositors % 24 www.kvb.co.in Investment Portfolio Gross Investments (Rs. crore) Investment Category 17755 16.46% 16465 16073 83.54% Mar 20 Mar 21 Mar 22 HTM AFS Investment Composition Duration 3.04% AFS HFT HTM Total 9.24% SLR 1.78 - 3.28 3.07 1.10% Shares Yield on Investments SR 6.63% Debentures/CD/MF/CP 5.30% 5.41% 86.62% Mar 20 Mar 21 Mar 22 25 www.kvb.co.in Disciplined approach to reduce stressed assets (Rs. crore) Movement of NPA for the quarter Particulars Jan 22 – Mar 22 Jan 21 – Mar 21 Gross NPAs Opening Balance 3,888 3,843 Additions during the period 300 919 Reductions during the period 757 619 -Of which Recoveries/Upgradation 307 159 Tech Write offs 450 460 Closing Balance 3,431 4,143 Net NPAs Opening Balance 1,356 1,263 Additions during the period (6) 519 Reductions 89 61 Closing Balance 1,261 1,719 Provisions Opening Balance 2,467 2,533 Provision made during the period 302 387 Write off/Write back of excess provision 637 554 Closing Balance 2,132 2,366 27 www.kvb.co.in (Rs. crore) Movement of NPA for the year Particulars Apr 21 – Mar 22 Apr 20 – Mar 21 Gross NPAs Opening Balance 4,143 4,213 Additions during the period 843 959 Reductions during the period 1,555 1029 - Of which Recoveries/Upgradation 723 410 Tech Write offs 832 619 Closing Balance 3,431 4,143 Net NPAs Opening Balance 1,719 1,809 Additions during the period (39) 140 Reductions 419 228 Closing Balance 1,261 1,719 Provisions Opening Balance 2,366 2,351 Provision made during the period 865 806 Write off/Write back of excess provision 1,099 791 Closing Balance 2,132 2,366 28 www.kvb.co.in (Rs. crore) Vertical wise NPA Advances O/s. NPA as on NPA Additions NPA Reduction NPA as on Provisions VERTICAL Mar 22 Dec 21 Q4 Q4 Mar 22 Mar 22 Agriculture 13,044 248 6 15 239 193 Retail (Personal Banking) 13,265 408 31 57 382 245 Commercial 18,698 1,394 114 181 1,327 745 Corporate 12,543 1,838 149 503 1483 949 TOTAL 57,550 3,888 300 757* 3,431 2,132 * Includes tech w/off Rs 450 cr Collection efficiency Particulars Mar 22 Feb 22 Jan 22 Term Loan (%) 97.7 97.3 97.1 Working Capital (%) 98.4 95.8 96.7 29 www.kvb.co.in (Rs. crore) NPAs & Provisions 8.79 8.68 7.85 4450 4213 4143 6.56 3431 5.96 3016 2420 2351 2366 4.98 1863 1961 1809 1719 2132 4.46 3.92 1261 3.41 1091 2.28 Mar-18 Mar-19 `Mar 20 Mar-21 Mar-22 Mar-18 Mar-19 `Mar 20 Mar 21 Mar 22 Gross NPA Net NPA NPA Provision Net NPA% Gross NPA% 80.27% 4.00% 0.8 72.70% 80.27 68.90% 72.70 68.90 56.50% 56.86% 2.91% 56.50 56.86 2.57% 2.54% 2.00% 0.4 63.25 55.80 57.11 1.46% 1.25% 36.17 44.07 0 0.00% Mar-18 Mar-19 `Mar 20 Mar 21 Mar 22 2017-18 2018-19 2019-20 2020-21 2021-22 PCR Credit costs Provision Coverage Ratio % Market PCR (excl technical write off) 30 www.kvb.co.in (Rs. crore) Provisions and Contingencies Quarter 12 months Provision for Mar 22 Mar 21 Mar 22 Mar 21 NPA 143 292 635 634 Standard Assets 6 1 17 6 Restructured Advances (7) 11 67 72 Other credit related items (6) 59 - 59 Covid-19 package - (301) - (47) Sub-total – Credit Provisions 136 62 719 724 Others 4 (38) (20) 33 -Of which NPI - 15 (6) 19 11th BPS - (62) - - Others 4 9 (14) 14 Total Provisions (excl. Tax) 140 24 699 757 Tax Expense 88 74 258 175 Total Provisions 228 98 957 932 31 www.kvb.co.in (Rs. crore) Restructured Accounts Mar 22 Dec 21 Mar 21 Particulars Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 774 35 817 19 - - COVID 19 - Resolution Framework 426 39 432 43 554 3 MSME 244 194 303 156 387 93 CDR - 3 - 3 - 3 Others* 196 49 64 120 16 293 Total 1,640 320 1,616 341 957 392 * Others include restructured accounts due to stress, natural calamities and delay in commencement of operation. Mar 22 Dec 21 Mar 21 Vertical wise Standard NPA Standard NPA Standard NPA Agriculture - 18 2 18 2 18 Retail (Personal Banking) 611 54 637 53 314 4 Commercial 533 169 620 119 432 82 Corporate 496 79 357 151 209 288 Total 1,640 320 1,616 341 957 392 32 www.kvb.co.in (Rs. crore) Movement of Standard Restructured Advances for the Quarter Jan 22 to Mar 22 Jan 21 to Mar 21 Particulars A/c’s Amt. A/c’s Amt. A. Position at the beginning of the period 3,329 1,616 1,549 680 B. Addition during the period 1 134 130 327 C. Additions in existing A/c’s - 23 - 20 D. Addition through upgradation from NPA 48 9 1 6 E. Accounts closed during the period 78 33 18 30 F. Accounts ceasing to attract higher provision - - - - (upgradation) G. Recoveries during the period - 43 - 7 H. Slippages during the period 78 66 34 39 Position at the end of the period A+B+C+D-(E+F+G+H) 3,222 1,640 1,628 957 33 www.kvb.co.in (Rs. crore) Movement of Standard Restructured Advances for the Year Apr 21 to Mar 22 Apr 20 to Mar 21 Particulars A/c’s Amt. A/c’s Amt. A. Position at the beginning of the period 1,628 957 73 193 B. Addition during the period 1,994 891 1,576 798 C. Additions in existing A/c’s - 67 - 27 D. Addition through upgradation from NPA 9 1 2 7 E. Accounts closed during the period 123 34 7 14 F. Accounts ceasing to attract higher provision 1 7 - - (upgradation) G. Recoveries during the period - 83 - 19 H. Slippages during the period 285 152 16 35 Position at the end of the period A+B+C+D-(E+F+G+H) 3,222 1,640 1,628 957 34 www.kvb.co.in (Rs. crore) Sector-wise Standard Restructured Advances Stressed Book Analysis S. Amount SECTOR N. Mar 22 Dec 21 3039 3200 3364 3170 3050 5.00 1 Housing Loan 346 356 3500 4.07 4.31 4.43 4.08 2 Real Estate 391 262 3000 327 247 3.81 363 3 Trade 143 185 198 149 2500 4 Textile 93 107 1538 1356 1261 5 Personal Loan 84 90 2000 1845 1719 2.50 6 Basic Metal & its Products 80 79 1500 7 Infrastructure 78 82 8 Hotels and restaurants 74 74 1000 1579 1616 1640 9 All Engineering 42 43 500 957 1028 10 Food & Food Processing 37 47 11 Auto Loan 35 35 0 0.00 12 Transportation 27 29 Mar 21 June 21 Sep 21 Dec-21 Mar-22 Std Restructured Assets Net NPA Net SR % of Total Assets 13 Wood & Wood Products 25 26 SR Book 14 Cement & Cement Products 22 22 15 Education Loan 13 14 Amount Particulars 16 Gems and Jewelry 12 12 Mar 22 Mar 21 17 Construction 8 10 Gross SR 540 644 18 Agriculture - 2 Less : Provisions 391 281 19 Others 130 141 Net SR 149 363 TOTAL 1,640 1,616 % to Total Advances 2.85 2.90 *Redemptions during the year Rs. 106 crore(Rs.28 crore for FY 20-21) 35 www.kvb.co.in Digital Banking – DLite Push Notifications Customized OTP for all Modules In DLite Accounts Registered users Opened 17.60L 2.95L Recent launches Avg Daily Txns 80 K Feedback & Grievances Re-KYC Online UPI Transactions (in lakhs) Launching soon 1361 1232 51% 94% 1043 3.4 MILLION 759 DLITE APP Share of Growth in DOWNLOADS digital digital transaction transactions Q1 FY 22 Q2 FY 22 Q3 FY 22 Q4 FY 22 Y-o-Y www.kvb.co.in Digital Lending Backend checks Risk Analysis Loan Requirement CDD Risk Paperless process Faster TAT via digital integrations On- TAT Digital Lending Boarding Feet on Street, Sourcing Disbursement e2e digital Partnerships & documentation & Alliances disbursement Underwriting www.kvb.co.in Dynamic workforce Leading to Improved Productivity 9.2 17 15 14 14 13 4.4 4.6 2.8 3.0 FY 18 FY 19 FY 20 FY 21 FY 22 FY 18 FY 19 FY 20 FY 21 FY 22 Business per employee (Rs. Crore) Profit per employee (Rs. Lakhs) 160 149 142 138 130 FY 18 FY 19 FY 20 FY 21 FY 22 Business per branch (Rs. Crore) 40 www.kvb.co.in (Rs. crore) Sustained Decade of Growth Year 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 Paid up Capital 107 107 122 122 122 145 160 160 160 160 Reserves 2,978 3,219 4,124 4,451 4,723 6,066 6,205 6,440 6,760 7,436^ Owned funds 3,085 3,326 4,246 4,573 4,845 6,211 6,365 6,600 6,920 7,596 Basel III (%) 14.41$ 12.60 14.62 12.17 12.54 14.43 16.00 17.17 18.98 19.46 Deposits 38,653 43,758 44,690 50,079 53,700 56,890 59,868 59,075 63,278 68,676 Advances 29,706 34,226 36,691 39,476 41,435 45,973 50,616 48,516 52,820 57,550 Total Business 68,359 77,984 81,381 89,555 95,135 1,02,863 1,10,484 1,07,591 1,16,098 1,26,226 Total Income 4,695 5,680 5,977 6,150 6,405 6,600 6,779 7,145 6,389** 6,357 Operating Profit 849 838 943 1,303 1,571 1,777 1,711 1,761 1,291** 1,630 Net Profit 550 430 464 568 606 346 211 235 359 673 Cost of Deposit 8.30 8.24 7.96 7.40 6.60 5.99 5.80 5.76 4.96 4.30 Yield on Advance 12.77 12.28 12.14 11.67 11.34 10.30 9.75 9.63 8.93 8.47 Dividend (%) 140 130 130 140 130 30 30 - 25 80# Branches (No.) 551 572 629 667 711 790 778 779 780 789 EPS (Rs.) 51.35 40.08 39.86 46.59 9.95* 4.78 2.64 2.94 4.50 8.42 Return on Assets (%) 1.35 0.86 0.88 1.03 1.00 0.53 0.31 0.32 0.49 0.86 Book Value(Rs.) 287.85 308.91 348.42 375.25 79.51* 85.49 79.63 82.57 86.57 94.95 Business per employee 10.16 10.63 11.31 12.42 12.86 12.93 14.42 13.56 14.99 17.28 No of Employees 6,730 7,339 7,197 7,211 7,400 7,956 7,663 7,935 7,746 7,306 * During the Financial Year 2016-17, one Equity Share face value of Rs.10/- each was subdivided into five Equity Shares of face value Rs.2/- each ^Includes proposed dividend ;$ Basel II CRAR; # proposed subject to approval at AGM **After reclassification of depreciation on investments as an item of other income. 41 www.kvb.co.in