KARURVYSYA Financial Statements

KARURVYSYA Half Yearly Results

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 16.40 21.50 14.20 10.80
Total op income 14.80 21.60 10.70 14.70
Op profit (pre-provision) 20.60 38.10 12.60 (1.30)
Net profit 6.76 22.30 8.07 (22)
Advances 4.67 8.24 6.23 15.30
Deposits 7.23 11.70 2.12 13.20
Total assets 4.83 11 3.05 10.40
Profitability Ratios (%)        
NIM 3.70 3.43 2.91 2.64
Non-int inc/Total inc 27.40 28.40 28.40 30.50
Return on Avg Equity 12.60 12.90 12.30 13.40
Return on Avg Assets 1 1.01 0.89 0.87
Per share ratios ()        
EPS 8.43 7.41 6.02 6.41
Adj.BVPS -- -- -- --
DPS 2.20 2.37 2.20 2.20
Other key ratios (%)        
Credit/Deposits 0.76 0.78 0.81 0.77
Cost/Income 108 107 109 133
CASA 27.70 -- -- 21
CAR 12.50 12.20 14.60 12.60
Tier-I capital 11.90 11.30 13.60 11.60
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 1.72 1.04 1.37 1.39
Net NPLs/Net loans -- -- -- --
Tax rate 0.46 0.61 0.02 (0.10)
Dividend yield 2.74 18.90 14.10 20.50
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 5,622 5,443 5,396 5,116
Interest expense (3,549) (3,662) (3,930) (3,832)
Net interest income 2,074 1,781 1,466 1,284
Non-interest income 782 707 581 564
Total op income 2,856 2,488 2,047 1,848
Total op expenses (1,285) (1,185) (1,103) (1,010)
Op profit (pre-prov) 1,571 1,303 943 838
Provisions (687) (391) (481) (442)
Exceptionals -- -- 8.67 --
Profit before tax 883 912 471 395
Taxes (277) (344) (7.20) 34.10
Net profit 606 568 464 430
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 6,320 4,393 3,697 4,309
Investments 16,019 15,762 14,882 15,803
Advances 50,364 46,098 48,581 44,800
Total int-earning assets 72,703 66,253 67,159 64,913
Fixed assets 539 587 583 528
Other assets 1,481 1,529 1,685 1,605
Total assets 74,723 68,369 69,427 67,046
Net worth 6,960 6,600 6,423 6,264
Deposits 63,278 59,075 59,868 56,890
Borrowings 2,528 1,184 1,565 2,394
Total int-bearing liabs 65,807 60,259 61,433 59,284
Non-int-bearing liabs 1,956 1,510 1,571 1,497
Total liabilities 67,763 61,769 63,004 60,782
Equity + Total liabilities 74,723 68,369 69,427 67,046
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Particulars ( Rupees In Crores.) Sep-2021 Mar-2021 Sep-2020 Mar-2020
Interest Earned 2,774 2,700 2,771 2,960
Other Income 364 405 483 607
Total Income 3,138 3,105 3,254 3,567
Operating Expenses ** 2,355 2,661 2,437 2,682
Operating Profit Before Prov. & Cont. 783 444 817 885
Provisions & Contingencies 409 210 517 794
Depreciation -- -- -- --
Provision For Taxes 99.90 95 80 (7.70)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 274 139 220 98.80
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 274 139 220 98.80
EPS (Unit Curr.) 3.43 1.74 2.76 1.24
EPS (Adj) (Unit Curr.) 3.43 1.74 2.76 1.24
Calculated EPS (Unit Curr.)  3.43 1.74 2.76 1.24
Calculated EPS (Adj) (Unit Curr.) 3.43 1.74 2.76 1.24
Calculated EPS (Ann.) (Unit Curr.)  6.86 3.48 5.51 2.47
Calculated EPS (Adj) (Ann.) (Unit Curr.)  6.86 3.48 5.51 2.47
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 160 160 160 160
Reserve & Surplus  65,410 -- -- --
Face Value 2 2 2 2
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 66 64.40 68.90 63.60
PBDTM(%) 13.50 8.67 10.80 3.08
PATM(%) 9.89 5.15 7.95 3.34
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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