Investor Presentaiton
Major Highlights Q1 FY23
Operating Profit
.
• 2.18% YoY growth in operating
profit to Rs. 412.78 crore
⚫NIM up by 35 bps YoY to 3.33%
Cost to Income Ratio up by 15
bps to 49.68%
•
•
Deposit Growth
CASA deposits increased by 12.51%
YOY
CASA proportion at 32.80%, up by
198 bps YoY
Total deposits increased by 5.72%
YOY
Loan Growth
·
Advances grew by 13.03% YoY
.
Asset Quality
·
Provision Coverage Ratio
increased further to 76.77%
NPA down by 81 bps YoY to
4.03%
Capital
• Capital Adequacy at 15.41%,
up by 83 bps YoY
ROE up by 5 bps YoY to 6.39%
• ROA at 0.49%
Balance Sheet Size
Up by 9.22% YoY to Rs.94541
crore
PAT
• Net profit grew by 7.63% YoY
to Rs. 114.18 crore
Customers &
Employees
• ~12 million Customers
•~8,500 Employees
Loan Mix
·
Retail 46.32%
Mid Corporate 32.81%
Large Corporate 20.87%
Branch Mix
• Metro & Urban 54%
• Semi-urban & Rural 46%
Branches/Outlets/Cards
⚫879 Branches
• 879 ATMs
• 555 E-lobbies
·
4
.
Digital Adoption
Digital adoption at 93.04%
(Internet Banking, Mobile
Banking, IMPS, UPI
transactions)
✡ Karnataka Bank Ltd.
Your Family Bank. Across India.View entire presentation