Karur Vysya Bank

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE036D01028
NSEID: KARURVYSYA
BSEID: 590003

INR

208.15

2.9 (1.41%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 8.32 lacs

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Half Yearly Results

Results Snapshot

Figures in Rs cr

Standalone Half Yearly Results

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Sep'19

Mar'19

Interest Earned

4,668.53

3,879.99

3,053.01

2,773.89

2,770.80

3,030.04

2,916.35

Income On Investments

778.31

638.06

525.41

448.62

487.54

582.34

573.85

Interest On Balances With Rbi Other Inter Bank Funds

7.98

14.10

55.23

69.77

27.41

74.09

20.57

Interest / Discount On Advances / Bills

3,864.17

3,225.70

2,470.23

2,254.22

2,252.41

2,368.74

2,303.02

Others

18.07

2.13

2.14

1.28

3.44

4.87

18.91

Other Income

860.36

672.05

440.64

363.68

483.48

547.57

532.34

Total Income

5,528.89

4,552.04

3,493.65

3,137.57

3,254.28

3,577.61

3,448.69

Interest Expended

2,584.23

2,067.54

1,485.78

1,455.68

1,607.47

1,849.79

1,716.29

Net Interest Income

2,084.30

1,812.45

1,567.23

1,318.21

1,163.33

1,180.25

1,200.06

Total Expenditure (Excl Depreciation)

1,382.57

1,198.17

960.08

898.87

829.38

851.53

842.62

Employee Cost

690.46

646.55

469.60

478.50

434.19

416.74

409.95

Other Operating Expenses

692.11

551.62

490.48

420.37

395.19

434.79

432.67

Operating Profit Before Provisions and Contingencies

1,562.09

1,286.33

1,047.79

783.02

817.43

876.29

889.78

Exceptional Items

0.00

Provisions and contingencies

312.77

285.83

381.83

408.78

517.09

695.14

752.74

Profit Before Tax

1,249.32

1,000.50

665.96

374.24

300.34

181.15

137.04

Tax

317.07

263.42

186.98

99.92

79.95

44.90

55.82

Profit After Tax

932.25

737.08

478.98

274.32

220.39

136.25

81.22

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

932.25

737.08

478.98

274.32

220.39

136.25

81.22

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

11.58

9.18

5.98

3.43

2.76

1.7

1.02

Diluted Earnings per share

11.58

9.16

5.97

3.43

2.76

1.7

0.0

Operating Profit Margin (Excl OI)

63.69%

61.75%

56.05%

52.86%

51.41%

48.96%

45.3%

Gross Profit Margin

26.76%

25.79%

21.81%

13.49%

10.84%

5.98%

63.55%

PAT Margin

19.97%

19.0%

15.69%

9.89%

7.95%

4.5%

2.79%

Net Interest Margin

4.12%

4.13%

3.98%

3.74%

3.42%

3.47%

0.0%

Return on Assets

0.0%

CASA (%)

29.0%

32.0%

35.0%

33.0%

29.0%

0.0%

CASA Amount

28,232.00

26,794.00

25,914.00

23,160.00

20,048.00

18,522.00

0.00

Capital Adequacy Ratio (Total)

16.28%

16.84%

18.07%

18.82%

18.41%

15.99%

0.0%

Capital Adequacy Ratio (Tier 1)

15.39%

15.19%

16.42%

16.79%

16.35%

14.25%

0.0%

Provision Coverage Ratio (%)

96.09%

94.49%

86.94%

76.28%

75.19%

61.82%

0.0%

Amount of Gross NPAs

885.61

1,219.08

2,456.53

3,971.64

3,998.43

4,391.03

4,449.57

Amount of Net NPAs

219.22

323.63

818.72

1,537.71

1,428.20

2,118.35

2,420.34

% of Net NPAs

0.28%

0.47%

1.38%

2.99%

4.5%

4.98%

% of Gross NPAs

1.1%

1.73%

4.02%

7.38%

7.93%

8.89%

8.79%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2208.0

2244.0

2238.0

2234.0

2223.0

2183.0

0.0

Number of Branches

841.0

824.0

792.0

781.0

780.0

779.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2024 is 20.32% vs 27.09% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is 26.48% vs 53.89% in Sep 2023

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 21.44% vs 22.77% in Sep 2023

% of Net NPAs

Growth in half year ended Sep 2024 is -0.19% vs -0.91% in Sep 2023

% of Gross NPAs

Growth in half year ended Sep 2024 is -0.63% vs -2.29% in Sep 2023

Compare Half Yearly Results Of Karur Vysya Bank With

Select Peers

Figures in Rs cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

4,668.53

15,449.64

-10,781.11

-69.78%

Income On Investments

778.31

2,938.08

-2,159.77

-73.51%

Interest On Balances With Rbi Other Inter Bank Funds

7.98

170.92

-162.94

-95.33%

Interest / Discount On Advances / Bills

3,864.17

11,559.18

-7,695.01

-66.57%

Others

18.07

781.46

-763.39

-97.69%

Other Income

860.36

2,605.59

-1,745.23

-66.98%

Total Income

5,528.89

18,055.23

-12,526.34

-69.38%

Interest Expended

2,584.23

11,005.16

-8,420.93

-76.52%

Net Interest Income

2,084.30

4,444.48

-2,360.18

-53.1%

Total Expenditure (Excl Depreciation)

1,382.57

5,189.51

-3,806.94

-73.36%

Employee Cost

690.46

1,987.72

-1,297.26

-65.26%

Other Operating Expenses

692.11

3,201.79

-2,509.68

-78.38%

Operating Profit Before Provisions and Contingencies

1,562.09

1,860.56

-298.47

-16.04%

Exceptional Items

0.00

Provisions and contingencies

312.77

508.87

-196.10

-38.54%

Profit Before Tax

1,249.32

1,351.69

-102.37

-7.57%

Tax

317.07

296.22

20.85

7.04%

Profit After Tax

932.25

1,055.47

-123.22

-11.67%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

932.25

1,055.47

-123.22

-11.67%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

11.58

0.34

11.24

3305.88%

Diluted Earnings per share

11.58

0.34

11.24

3305.88%

Operating Profit Margin (Excl OI)

63.69%

63.12%

0.00

0.57%

Gross Profit Margin

26.76%

8.75%

0.00

18.01%

PAT Margin

19.97%

6.83%

0.00

13.14%

Net Interest Margin

4.12%

0.00%

4.12

4.12%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

29.00%

32.00%

-3.00

-3.00%

CASA Amount

28,232.00

88,601.00

-60,369.00

-68.14%

Capital Adequacy Ratio (Total)

16.28%

15.60%

0.68

0.68%

Capital Adequacy Ratio (Tier 1)

15.39%

13.20%

2.19

2.19%

Provision Coverage Ratio (%)

96.09%

70.00%

26.09

26.09%

Amount of Gross NPAs

885.61

3,889.43

-3,003.82

-77.23%

Amount of Net NPAs

219.22

1,168.02

-948.80

-81.23%

% of Net NPAs

0.28%

1.60%

-1.32

-1.32%

% of Gross NPAs

1.10%

1.60%

-0.50

-0.50%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,208.00

1,325.00

883.00

66.64%

Number of Branches

841.00

1,237.00

-396.00

-32.01%

Half Yearly - Interest Earned

Interest Earned 4668.53 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 20.32% vs 27.09% in Sep 2023

Half Yearly - Net Profit

Net Profit 932.25 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 26.48% vs 53.89% in Sep 2023

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,562.09 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 21.44% vs 22.77% in Sep 2023

Half Yearly - % of Net NPAs

% of Net NPAs 0.28%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is -0.19% vs -0.91% in Sep 2023

Half Yearly - % of Gross NPAs

% of Gross NPAs 1.10%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is -0.63% vs -2.29% in Sep 2023