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Investor Communique

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Investor Communique Dear Members, Greetings from Karnataka Bank and I hope all is well with you and your family. I am writing to you to share some thoughts on the Banking and the Bank. 1. Chronology of innovations Let’s have a look at the chronology of the innovations over two centuries… Encrypted communication, Combustion Engine, Computers, Internet, Mobile Electric innovations etc. Printing machine You might have noticed that the pace of revolution in the last two centuries is overtakenby set of innovations of the last two decades. Invention of computers to mobile based financial transactions, Big Data, Block Chain, Artificial Intelligence etc. will change the way we live in the 21 st Century. I am referring to this chronology to draw a reference to the speed of innovations that can support / impact banking sector in the days to come. Technology is playing a big role in the Banking Sector and it is ever increasing. However, changing dynamics also brings new type of risks and thus the risk mitigation measures play a crucial role. Further, ‘change’ is the only constant and the adaptability is the key for success. 2. Banking Sector challenges The journey of Indian Banking Industry has faced many waves of tough challenges, especially the last two decades. Some of them were: 1. World economic crisis (Sub-Prime Lending) – 2008 2. Letter of Comfort related banking fraud in the year – 2018 3. NBFC Crisis – 2018 4. Anxiety in the minds of depositors’ post-moratorium imposed on YES Bank – 2019 5. COVID 19 pandemic – 2020 Countries across the globe are battling on all fronts against the outbreak of COVID-19, which has been declared as a Pandemic by the World Health Organization. The ongoing pandemic has posed a sizeable impact on life as well as business in the country across the sectors. Though, the magnitude of impact on different sectors varies, none of the sectors are completely out of its repercussions. Governments and Reserve Bank of India have come out with several monetary, regulatory and fiscal measures for providing much needed financial assistance at these times. It is good to hear that economy is bouncing back to normalcy and we, at Karnataka Bank, are making all out efforts to minimize the repercussion arising out of COVID-19 pandemic. Your Bank has been a steady performer over the years and has been able to successfully navigate the turbulent business environment in the past including financial crisis of 2008 arising out of sub-prime lending in the United States, Letter of Comfort related banking fraud in the year 2018 pertaining to a leading nationalized bank, anxiety in the minds of depositors post-moratorium imposed on YES Bank etc. and thus, truly emerged as a time tested Bank. As a testimony, we furnish here below the Bank ‘s track record in key parameters for over a decade, for your kind information. Consistency has been the hallmark of your Bank in each and every parameter over the last decade and we are committed to further strengthen the same going forward. Journey over a decade.. Parameters 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 30.06.20 30.09.20 1 NET WORTH (Rs. Crs) 2429.08 2598.21 2857.08 3052.20 3389.06 3690.58 5142.58 5410.15 5785.18 5970.44 6356.19 6475.64 2 CRAR % 13.33 12.84 13.22 13.20 12.41 12.03 13.30 12.04 13.17 12.66 13.07 13.08 3 PCR % 60.08 47.18 55.36 53.21 50.54 48.39 54.00 54.56 58.45 64.70 67.93 75.44 4 NIM % 2.15 2.19 2.31 2.40 2.63 2.40 2.44 2.82 2.93 2.84 2.89 2.99 5 R O E % 9.60 9.79 12.76 10.53 14.02 11.73 10.24 6.17 8.53 7.35 12.75 10.15 6 R O A % 0.72 0.73 0.89 0.71 0.91 0.76 0.74 0.49 0.64 0.53 0.93 0.75 7 OPERATIG PROFIT (Rs. Crs) 355.29 510.21 635.34 687.05 773.38 854.53 995.80 1473.16 1449.81 1656.77 677.04 1177.47 8 NET PROFIT (Rs. Crs) 204.61 246.07 348.08 311.03 451.45 415.29 452.26 325.61 477.24 431.78 196.38 315.82 9 DIVIDEND (%) 30 35 40 40 50 50 40 30 35 * 10 PROFIT ADDED BACK TO RESERVES 139.20 169.48 259.89 222.80 337.50 301.88 316.21 223.40 358.00 431.78 11 GROSS NPA % 3.97 3.27 2.51 2.92 2.95 3.44 4.21 4.92 4.41 4.82 4.64 3.97 12 NET NPA % 1.62 2.11 1.51 1.91 1.98 2.35 2.64 2.96 2.95 3.08 3.01 2.21 13 TURNOVER PER BRANCH (Rs. Crs) 93.48 104.03 111.39 114.88 115.09 116.40 122.42 137.65 147.46 151.83 146.93 147.88 14 TURNOVER PER EMPLOYEE (Rs. Crs) 7.71 8.60 9.66 9.59 10.52 10.83 11.73 13.45 14.90 15.13 14.95 15.09 15 OP. PROFIT PER EMPLOYEE (Rs. Crs) 0.06 0.08 0.10 0.10 0.10 0.11 0.12 0.18 0.18 0.19 0.08 0.14 16 BOOK VALUE Per Share 129.08 137.99 151.70 162.00 179.84 195.83 177.12 191.44 204.71 192.06 198.37 208.31 17 DEPOSITS (Rs. Crs) 27336.45 31608.32 36056.22 40582.83 46008.61 50488.21 56733.11 62871.29 68452.12 71785.15 71853.98 72928.99 18 ADVANCES (Rs. Crs) 17348.07 20720.70 25207.68 28345.49 31679.99 33902.45 36915.70 47251.75 54828.20 56964.27 54209.5 54098.93 19 CD RATIO % 63.46 65.55 69.91 69.85 68.86 67.15 65.07 75.16 80.10 79.35 75.44 74.18 20 CASA % 24.88 24.56 24.91 25.4 24.94 26.26 29.04 27.99 28.06 28.91 28.66 29.17 23 NO. OF BRANCHES 478.00 503 550 600 675 725 765 800 836 848 858 859 24 NO. OF EMPLOYEES 5795 6087 6339 7185 7382 7792 7982 8185 8275 8509 8434 8416 * Bank could not declare dividend due to RBI ‘s general restriction for the banking sector even though the Bank had sufficient distributable profits. Transformation: KBL–VIKAAS, the transformation initiative of the Bank has started showing desired results under different verticals such as Credit, HR, IT and Customer Engagements and the said initiative is aimed at further strengthening the fundamentals of the Bank so as to emerge as ‘Bank of the Future’. The DCOE (Digital Centre of Excellence) at Bengaluru is fully operationalised and is sphere-heading the digital journeys of the Bank, which is expected to have favourable impact on the efficiency of operations and customer experience going forward.Digital Sanction of loans is likely to be the big game changer going forward and your Bank is one of the pioneers in adapting the same early.Further, Bank’s wholly owned non-financial subsidiary “KBL Services Ltd.” will be functional during the current year. Bank has been adapting itself to changing environment from time to time to suit the needs of the newage banking. Digital banking is gaining momentum and has now improved to 88.36% as ofSeptember 30, 2020 as compared to 82.26% as of September 30, 2019 and we are poised to cross 90% shortly. You are aware that Karnataka Bank is unique from the point of view of customer centric approach and its ability to adapt to the changing dynamics. The Bank is privileged to have a Professional Board, Seasoned Management Team, Committed Workforce and Loyal Customers. Further, Karnataka Bank is preparing itself in all spheres of operations to celebrate its centenary by 2024. As a first step, Transformation is taken to emerge stronger and it will be followed by such other long-lasting initiatives in the days to come. For detailed financial analysis, you may please visit our website at the link: https://karnatakabank.com/sites/default/files/2020- 10/Analysis_of_Financial_Results_Sept20_compressed.pdf We look forward for your continued support on this journey. Do have a look at our social media handles (@karnatakabank) for knowing updates about the Bank. Stay safe and be healthy. With regards Yours faithfully, Mahabaleshwara M S Managing Director & CEO Please send your queries if any to [email protected] only .
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