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Key Ratios - I| Quarter Ended Particulars Year ended June-13 June-12 Mar-13 Mar-13 Cost to Income (%) 40.85 43.42 48.76 47.31 Cost to Income - excl Bad Debts w/o (%) 40.82 42.14 48.69 45.02 Business per employee (in crore) 10.84 9.92 10.14 10.14 Profit per employee ( in lakhs) 7.16 10.15 9.43 8.18 Operating Profit/ Total Income (%) 22.30 18.26 18.68 18.08 Net Profit/ Total Income (%) 8.42 13.15 12.35 11.72 Operating Expenses/ Total Income (%) 7.86 7.26 9.97 8.92 Staff Cost / Total Income (%) 7.54 6.75 7.80 7.32 Staff Cost/Total Expenses (%) 9.70 8.26 9.60 8.93 Staff Cost/Operating Expenses (%) KVB 48.95 48.17 43.90 45.08 6 Karur Vysya Bank Smart way to bank

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