Investor Presentaiton

Income & Expenses Analysis (in crore) Year ended Y-o-Y Quarter Seq. Year Particulars Growth Ended Growth ended Mar June 13 June 12 (%) Mar 13 (%) (*) 13 Interest earned 1,222.53 1,005.53 21.6 1,126.15 34.2% 4,242.43 Interest expended 890.65 751.59 18.5 815.82 36.7% 3,083.96 Net Interest Income 331.88 253.94 30.7 310.33 27.8% 1,158.47 Non Interest Income 103.73 90.39 14.8 105.68 (7.4%) 364.21 Profit on Investment 103.20 13.88 643.5 52.12 392.0% 88.35 Operating Revenue 538.81 358.21 50.4 468.12 60.4% 1,611.03 Operating expenses 220.09 Employee cost 107.77 Other expenses 112.32 Operating Profit 318.72 155.53 41.5 74.92 43.8 80.61 39.3 202.68 57.3 Provisions 163.16 (9.98) Profit Before Tax 155.56 212.66 (26.9) 151.10 228.27 100.20 30.2% 343.62 128.07 (49.2%) 418.58 239.86 131.5% 848.83 88.76 335.3% 123.39 11.8% 725.44 (14.3%) 762.20 Provision for Taxes 35.26 Net Profit 120.30 66.71 (47.1) 145.95 (17.6) (7.48) 175.12 158.58 (96.6%) 550.32 - (*) Annualised 8 Karur Vysya Bank Smart way to bank

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