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-2022 Mar-2021 Mar-2020 Mar-2019
Total cash & equivalents 4,926 6,320 4,393 3,697
Investments 17,216 16,019 15,762 14,882
Advances 55,335 50,364 46,098 48,581
Total int-earning assets 77,477 72,703 66,253 67,159
Fixed assets 478 539 587 583
Other assets 2,194 1,481 1,529 1,685
Total assets 80,149 74,723 68,369 69,427
Net worth 7,596 6,960 6,600 6,423
Deposits 68,676 63,278 59,075 59,868
Borrowings 1,339 2,528 1,184 1,565
Total int-bearing liabs 70,015 65,807 60,259 61,433
Non-int-bearing liabs 2,538 1,956 1,510 1,571
Total liabilities 72,553 67,763 61,769 63,004
Equity + Total liabilities 80,149 74,723 68,369 69,427
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Particulars ( Rupees In Crores.) Sep-2022 Mar-2022 Sep-2021 Mar-2021
Interest Earned 3,053 2,814 2,774 2,700
Other Income 441 405 364 435
Total Income 3,494 3,219 3,138 3,135
Operating Expenses ** 2,446 2,372 2,355 2,661
Operating Profit Before Prov. & Cont. 1,048 847 783 474
Provisions & Contingencies 382 291 409 240
Depreciation -- -- -- --
Provision For Taxes 187 158 99.90 95
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 479 399 274 139
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 479 399 274 139
EPS (Unit Curr.) 5.99 4.99 3.43 1.74
EPS (Adj) (Unit Curr.) 5.99 4.99 3.43 1.74
Calculated EPS (Unit Curr.)  5.98 4.99 3.43 1.74
Calculated EPS (Adj) (Unit Curr.) 5.98 4.99 3.43 1.74
Calculated EPS (Ann.) (Unit Curr.)  12 9.97 6.86 3.48
Calculated EPS (Adj) (Ann.) (Unit Curr.)  12 9.97 6.86 3.48
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 160 160 160 160
Reserve & Surplus  -- -- -- --
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(%) 70.50 70.10 66 64.40
PBDTM(%) 21.80 19.80 13.50 8.67
PATM(%) 15.70 14.20 9.89 5.15
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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