Karur Vysya Bank Ltd
Karur Vysya Bank is engaged in providing a wide range of banking and financial services including commercial banking and treasury operations.[1]
- Market Cap ₹ 15,266 Cr.
- Current Price ₹ 190
- High / Low ₹ 205 / 93.0
- Stock P/E 10.3
- Book Value ₹ 107
- Dividend Yield 1.05 %
- ROCE 5.61 %
- ROE 13.7 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 26.2% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 2.72% over past five years.
- Promoter holding is low: 2.22%
- Company has a low return on equity of 9.65% over last 3 years.
- Contingent liabilities of Rs.13,201 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Private Sector
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 3,270 | 4,242 | 5,116 | 5,396 | 5,443 | 5,622 | 5,700 | 5,816 | 5,990 | 5,470 | 5,588 | 6,517 | 7,788 |
Interest | 2,353 | 3,084 | 3,832 | 3,930 | 3,662 | 3,549 | 3,402 | 3,453 | 3,642 | 3,111 | 2,872 | 3,168 | 4,081 |
597 | 829 | 1,378 | 1,503 | 1,494 | 1,887 | 2,609 | 2,902 | 3,112 | 2,620 | 2,434 | 2,965 | 3,164 | |
Financing Profit | 320 | 329 | -94 | -37 | 288 | 187 | -311 | -539 | -764 | -260 | 281 | 384 | 542 |
Financing Margin % | 10% | 8% | -2% | -1% | 5% | 3% | -5% | -9% | -13% | -5% | 5% | 6% | 7% |
350 | 453 | 564 | 590 | 707 | 782 | 900 | 963 | 1,155 | 919 | 769 | 1,159 | 1,431 | |
Depreciation | 38 | 56 | 75 | 81 | 83 | 86 | 85 | 101 | 119 | 124 | 119 | 106 | 0 |
Profit before tax | 632 | 725 | 395 | 471 | 912 | 883 | 504 | 322 | 272 | 534 | 931 | 1,437 | 1,973 |
Tax % | 21% | 24% | -9% | 2% | 38% | 31% | 31% | 35% | 14% | 33% | 28% | 23% | |
502 | 550 | 430 | 464 | 568 | 606 | 346 | 211 | 235 | 359 | 673 | 1,106 | 1,487 | |
EPS in Rs | 7.29 | 8.00 | 6.24 | 5.95 | 7.25 | 7.75 | 4.32 | 2.64 | 2.94 | 4.50 | 8.42 | 13.79 | 18.52 |
Dividend Payout % | 30% | 27% | 32% | 34% | 30% | 26% | 13% | 23% | 0% | 11% | 19% | 14% |
Compounded Sales Growth | |
---|---|
10 Years: | 4% |
5 Years: | 3% |
3 Years: | 3% |
TTM: | 26% |
Compounded Profit Growth | |
---|---|
10 Years: | 7% |
5 Years: | 26% |
3 Years: | 66% |
TTM: | 51% |
Stock Price CAGR | |
---|---|
10 Years: | 11% |
5 Years: | 19% |
3 Years: | 54% |
1 Year: | 102% |
Return on Equity | |
---|---|
10 Years: | 9% |
5 Years: | 7% |
3 Years: | 10% |
Last Year: | 14% |
Balance Sheet
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 107 | 107 | 107 | 122 | 122 | 122 | 145 | 160 | 160 | 160 | 160 | 160 |
Reserves | 2,601 | 2,978 | 3,219 | 4,124 | 4,451 | 4,914 | 6,119 | 6,263 | 6,440 | 6,800 | 7,436 | 8,424 |
34,084 | 42,652 | 47,051 | 47,591 | 52,973 | 55,395 | 59,284 | 61,433 | 60,259 | 65,807 | 69,825 | 78,070 | |
843 | 996 | 1,166 | 1,315 | 1,439 | 1,376 | 1,393 | 1,484 | 1,419 | 1,857 | 2,650 | 3,526 | |
Total Liabilities | 37,635 | 46,733 | 51,543 | 53,152 | 58,985 | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 |
244 | 320 | 376 | 395 | 417 | 411 | 475 | 545 | 563 | 518 | 464 | 418 | |
CWIP | 0 | 2 | 9 | 17 | 4 | 8 | 53 | 38 | 23 | 21 | 15 | 17 |
Investments | 10,506 | 13,837 | 13,247 | 12,375 | 14,443 | 14,857 | 15,803 | 14,882 | 15,762 | 16,019 | 17,216 | 18,808 |
26,884 | 32,574 | 37,911 | 40,366 | 44,122 | 46,532 | 50,610 | 53,876 | 51,929 | 58,065 | 62,377 | 70,936 | |
Total Assets | 37,635 | 46,733 | 51,543 | 53,152 | 58,985 | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 |
Cash Flows
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
249 | 82 | 1,184 | -309 | 580 | 1,611 | -550 | -1,576 | 2,504 | 3,366 | 295 | 1,217 | |
-72 | -133 | -113 | -102 | -92 | -84 | -170 | 549 | -1,535 | -1,379 | -1,594 | -1,270 | |
84 | -188 | -189 | 482 | -346 | -74 | 683 | 414 | -274 | -59 | -96 | -178 | |
Net Cash Flow | 261 | -239 | 882 | 71 | 143 | 1,453 | -36 | -612 | 696 | 1,928 | -1,394 | -231 |
Ratios
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 21% | 19% | 13% | 12% | 13% | 13% | 6% | 3% | 4% | 5% | 9% | 14% |
Documents
Announcements
-
Opening of New Branches
12 Apr - Karur Vysya Bank Ltd has informed BSE regarding Opening of New Branches.
- Revision in Marginal Cost of Funds Based Lending Rates (MCLR) of the Bank 6 Apr
-
Regulation 30 of SEBI (LODR) Regulations, 2015
4 Apr - Karur Vysya Bank Ltd has informed BSE regarding "Regulation 30 of SEBI (LODR) Regulations, 2015".
- Intimation under SEBI (LODR) Regulation, 2015 read with Prohibition of Insider Trading Regulations, 2015 1 Apr
-
Allotment of Equity Shares under Employee Stock Option Schemes
26 Mar - Karur Vysya Bank Ltd has informed BSE about Allotment of Equity Shares under Employee Stock Option Schemes.
Annual reports
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2013
from nse
-
Financial Year 2012
from bse
-
Financial Year 2012
from nse
-
Financial Year 2011
from bse
-
Financial Year 2011
from nse
-
Financial Year 2010
from bse
Concalls
-
Jan 2024TranscriptPPT
-
Jan 2024Transcript PPT
-
Nov 2023TranscriptPPTREC
-
Oct 2023Transcript PPT
-
Jul 2023TranscriptNotesPPT
-
May 2023Transcript PPT
-
Jan 2023Transcript PPT
-
Oct 2022Transcript PPT
-
Jul 2022TranscriptNotesPPT
-
Nov 2021TranscriptPPT
-
Aug 2021TranscriptPPT
-
May 2021Transcript PPT
-
Feb 2021TranscriptPPT
-
Oct 2020TranscriptPPT
-
Jul 2020TranscriptPPT
-
Jun 2020TranscriptPPT
-
Jan 2020TranscriptPPT
-
Oct 2019TranscriptPPT
-
Jul 2019TranscriptPPT
-
May 2019TranscriptPPT
Ratios
Capital Adequacy Ratio - 19%
Net Interest Margin - ~4%
Gross NPA - 7%
Net NPA - ~2% [1]
CASA Ratio - 36% [2]