Karur Vysya Bank

₹97.5 -1.5 | 1.5%

WEBSITE BSE:590003 NSE : KARUR VY(PS 23 Mar, 16:01

Market Cap ₹7820 Cr.

Stock P/E 7.9

P/B 0.9

Current Price ₹97.5

Book Value ₹ 102.7

Face Value 2

52W High ₹116.2

Dividend Yield 1.64%

52W Low ₹ 41.8

Edit Ratio

Karur Vysya Bank Research see more...

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Overview Inc. Year: 1916Industry: Bank - Private

The Karur Vysya Bank Ltd (the Bank) is an totally India-based banking enterprise. The Bank is engaged in supplying a variety of banking and financial services, along with business banking and treasury operations. The Bank's segments consist of Treasury, Corporate/ Wholesale banking, Retail banking and Other banking operations. The Treasury section consists of investments in central and state government securities, debt instruments of bank, certificates of deposits, equity stocks, mutual funds and security receipts, among others. The Corporate/ Wholesale banking segment consists of credit centres and other banking services provided to company and different customers. The Retail banking section includes lending and other banking offerings to people/small enterprise customers, apart from company/ wholesale banking clients. The Other banking operations segment includes para-banking activities like bank assurance, third party product distribution, demat services and other banking transactions.

Quarterly Price

Quarterly Monthly

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Peer Comparison

Karur Vysya Bank Quarterly Results

#(Fig in Cr.)	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022
Interest Earned	1395	1350	1349	1376	1398	1405	1409	1474	1579	1695
Other Income	272	251	216	220	163	196	205	199	242	317
Total Income	1666	1602	1566	1596	1561	1600	1615	1673	1821	2013
Interest Expense	793	767	737	738	718	717	699	728	758	806
Operating Expenditure	424	578	579	429	470	481	474	469	491	518
Provisions and contingencies	285	201	71	264	164	146	140	155	227	364
Operating Profit	164	56	178	165	210	255	301	321	345	325
Profit Before Tax	164	56	178	165	210	255	301	321	345	325
Provision for Tax	49	21	74	56	44	70	88	92	95	36
Profit After Tax	115	35	104	109	165	185	213	229	250	289
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	115	35	104	109	165	185	213	229	250	289
Adjusted Earnings Per Share	1.4	0.4	1.3	1.4	2.1	2.3	2.7	2.9	3.1	3.6

Karur Vysya Bank Profit & Loss

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	TTM
Interest Earned	3270	4242	5116	5396	5443	5622	5700	5816	5990	5470	5588	6157
Other Income	350	453	564	581	707	782	900	963	1155	919	769	963
Total Income	3621	4695	5680	5977	6150	6405	6600	6779	7145	6389	6357	7122
Interest Expense	2353	3084	3832	3930	3662	3549	3402	3453	3642	3111	2872	2991
Operating Expenditure	542	762	1010	1103	1185	1285	1421	1615	1742	1987	1854	1952
Provisions and contingencies	94	123	412	481	391	687	1274	1389	1489	757	699	886
Operating Profit	632	726	426	463	912	883	504	322	272	534	931	1292
Profit Before Tax	632	726	426	463	912	883	504	322	272	534	931	1292
Provision for Tax	130	175	-3	7	344	277	158	111	37	175	258	311
Profit After Tax	502	550	430	456	568	606	346	211	235	359	673	981
Adjustments	0	0	0	9	0	0	0	0	0	0	0	0
Profit After Adjustments	502	550	430	464	568	606	346	211	235	359	673	981
Adjusted Earnings Per Share	7.9	8.7	6.8	6.3	7.9	8.4	4.3	2.6	2.9	4.5	8.4	12.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	2%	-1%	-0%	6%
Operating Profit CAGR	74%	42%	1%	4%
PAT CAGR	87%	47%	2%	3%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	112%	62%	2%	3%
ROE Average	9%	6%	6%	11%
ROCE Average	11%	8%	7%	12%

Karur Vysya Bank Balance Sheet

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Shareholder's Funds	2708	3085	3326	4246	4573	5036	6264	6423	6600	6960	7596
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	32112	38653	43758	44690	50079	53700	56890	59868	59075	63278	68676
Borrowings	1973	3999	3293	2901	2894	1696	2394	1565	1184	2528	1339
Other Liabilities & Provisions	843	996	1166	1315	1439	1376	1393	1484	1419	1857	2432
Total Liabilities	37635	46733	51543	53152	58985	61808	66941	69340	68278	74623	80044
Cash and balance with RBI	1921	1629	2546	2693	2529	2790	2960	2935	2733	3514	3594
Bank Balance	115	167	132	56	363	1555	1349	762	1660	2806	1332
Investments	10506	13837	13247	12375	14443	14857	15803	14882	15762	16019	17216
Advances	23949	29480	33992	36109	39084	40908	44800	48581	46098	50364	55335
Fixed Assets	244	320	376	395	417	411	475	545	563	518	464
Other Assets	899	1298	1241	1508	2146	1279	1501	1598	1438	1381	2088
Total Assets	37635	46733	51543	53152	58985	61808	66941	69340	68278	74623	80044

Karur Vysya Bank Cash Flow

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Opening Cash & Cash Equivalents	1774	2035	1796	2678	2749	2892	4345	4309	3697	4393	6320
Cash Flow from Operating Activities	249	82	1184	-309	580	1611	-550	-1576	2504	3366	295
Cash Flow from Investing Activities	-72	-133	-113	-102	-92	-84	-170	549	-1535	-1379	-1594
Cash Flow from Financing Activities	84	-188	-189	482	-346	-74	683	414	-274	-59	-96
Net Cash Inflow / Outflow	261	-239	882	71	143	1453	-36	-612	696	1928	-1394
Closing Cash & Cash Equivalent	2035	1796	2678	2749	2892	4345	4309	3697	4393	6320	4926

Karur Vysya Bank Ratios

#	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Earnings Per Share (Rs)	7.93	8.7	6.79	6.35	7.89	8.42	4.32	2.64	2.94	4.5	8.42
CEPS(Rs)	8.54	9.59	7.97	7.48	9.04	9.62	5.39	3.9	4.43	6.05	9.91
DPS(Rs)	2.8	2.8	2.6	2.6	2.8	2.6	0.6	0.6	0	0.5	1.6
Book NAV/Share(Rs)	42.81	48.73	52.15	59.04	63.57	70	78.37	80.35	82.57	87.07	94.94
Yield on Advances	13.66	14.39	15.05	14.94	13.93	13.74	12.72	11.97	12.99	10.86	10.1
Yield on Investments	7.07	7.51	9.82	9.93	8.24	8.82	7.75	8.21	9.45	7.23	5.08
Cost of Liabilities	6.9	7.23	8.14	8.26	6.91	6.41	5.74	5.62	6.04	4.73	4.1
NIM (Net Interest Margin)	2.51	2.57	2.57	2.86	3.16	3.45	3.54	3.52	3.54	3.25	3.5
Interest Spread	6.75	7.16	6.91	6.69	7.01	7.34	6.98	6.35	6.95	6.13	6
ROA(%)	1.52	1.3	0.87	0.87	1.01	1	0.54	0.31	0.34	0.5	0.87
ROE(%)	20.81	19.01	13.46	12.09	12.88	12.61	6.12	3.32	3.61	5.3	9.25
ROCE(%)	21.35	16.83	11.53	12.38	15.61	13.9	7.74	5.21	5.01	7.32	11.11
PER(x)	7.97	8.8	9.34	14.52	9.37	11.28	21.2	27.14	6.89	12.39	5.5
Price/Book(x)	1.48	1.57	1.22	1.56	1.16	1.36	1.17	0.89	0.25	0.64	0.49
Dividend Yield(%)	3.75	3.1	3.47	2.39	3.21	2.32	0.59	0.84	0	0.9	3.46
EV/Net Sales(x)	1.83	2.08	1.43	1.76	1.51	1.52	1.71	1.25	0.47	1.28	0.9
EV/Core EBITDA(x)	8.23	10.42	8.72	10.09	6.3	5.43	5.47	4.26	1.59	5.4	3.09
Interest Earned Growth(%)	47.47	29.72	20.59	5.47	0.88	3.29	1.37	2.04	2.99	-8.67	2.14
Net Profit Growth	20.73	9.69	-21.94	6.06	24.59	6.76	-42.96	-39	11.46	52.92	87.34
Advances Growth	34.44	23.09	15.31	6.23	8.24	4.67	9.52	8.44	-5.11	9.25	9.87
EPS Growth(%)	6.43	9.69	-21.94	-6.54	24.35	6.76	-48.66	-39	11.46	52.92	87.17
Loans/Deposits(x)	6.14	10.35	7.53	6.49	5.78	3.16	4.21	2.61	2	4	1.95
Cash/Deposits(x)	0.06	0.04	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.06	0.05
Current Ratio(x)	0.33	0.36	0.3	0.28	0.29	0.28	0.28	0.25	0.27	0.25	0.25
Quick Ratio(x)	6.14	10.35	7.53	6.49	5.78	3.16	4.21	2.61	2	4	1.95
CASA %	19.16	19.25	20.54	22.02	23.31	27.73	29.14	29.92	31.33	34.22	34.81

Karur Vysya Bank Shareholding Pattern

#	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022
Promoter	2.11	2.11	2.13	2.13	2.12	2.12	2.28	2.28	2.28	2.26
FII	21.11	20.85	21.4	21.29	21.11	18.92	15.45	15.35	15.43	16.49
DII	22.11	20.8	20.88	20.45	20.07	19.69	21.32	21.88	22.75	25.11
Public	54.67	56.24	55.59	56.13	56.7	59.28	60.95	60.49	59.54	56.14
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022
Promoter	1.68	1.69	1.7	1.7	1.69	1.69	1.83	1.82	1.82	1.81
FII	16.88	16.66	17.1	17.02	16.88	15.12	12.35	12.28	12.35	13.2
DII	17.68	16.63	16.69	16.35	16.04	15.74	17.04	17.51	18.2	20.1
Public	43.7	44.95	44.44	44.87	45.32	47.38	48.72	48.39	47.64	44.94
Others	0	0	0	0	0	0	0	0	0	0
Total	79.93	79.93	79.93	79.93	79.93	79.93	79.94	80	80.01	80.04