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Karur Vysya Bank has announced its Q4FY12 along with Annual FY12 result on 25th May 2012.
On the quarterly basis, the bank’s total income grew by 15.02% QoQ and 35.57% YoY to INR372.79 crores mainly, because of 23.49% and 75.70% YoY growth in its Net Interest Income (NII) and other income respectively. Profit After Tax (PAT) increased by 17.51% QoQ and 27.32% YoY to INR146.79 crores. For the whole year of FY12, the bank’s total income increased by 22.90% YoY to INR1267.27 crores whereas, Profit After Tax (PAT) increased by 20.72% YoY to INR501.72 crores.
The Bank has reported a growth in advances by 7.40% QoQ and 34.44% YoY to INR23949.19 crores and a growth in deposits by 6.68% QoQ and 29.89% YoY to INR32111.59 crores. On the assets quality front, the bank’s NNPA and GNPA stood at 0.33% and 1.33%, increased by 26 and 7bps YoY respectively. Moreover, Capital Adequacy Ratio (CAR) stood at 14.33%, which is 5.33% higher than the regulator’s stipulated norm of 9%.
The Board of Directors have recommended a dividend of 140% i.e. Rs.14 per equity share for the year ended 31st March 2012.
Karur Vysya Bank Q4FY12 Result-[INR-Crores]
| ||||||||
DESCRIPTION
|
Q4'12
|
Q3'12
|
Q4'11
|
QoQ%
|
YoY%
|
FY12
|
FY11
|
YoY%
|
Interest Earned
|
947.47
|
856.33
|
631.74
|
10.64
|
49.98
|
3270.37
|
2217.69
|
47.47
|
Interest Expended
|
686.48
|
621.66
|
420.39
|
10.43
|
63.30
|
2353.25
|
1450.84
|
62.20
|
NII
|
260.99
|
234.67
|
211.35
|
11.22
|
23.49
|
917.12
|
766.85
|
19.60
|
Other Income
|
111.80
|
89.44
|
63.63
|
25.00
|
75.70
|
350.15
|
264.33
|
32.47
|
Total Income
|
372.79
|
324.11
|
274.98
|
15.02
|
35.57
|
1267.27
|
1031.18
|
22.90
|
Operating Expenses
|
159.74
|
134.38
|
129.09
|
18.87
|
23.74
|
541.56
|
430.6
|
25.77
|
Operating Profit before Prov.& Cont.
|
213.05
|
189.73
|
145.89
|
12.29
|
46.03
|
725.71
|
600.58
|
20.83
|
Provisions and Contingencies
|
6.84
|
36.02
|
2.78
|
-81.01
|
146.04
|
93.76
|
39.31
|
138.51
|
PBT
|
206.21
|
153.71
|
143.11
|
34.16
|
44.09
|
631.95
|
561.27
|
12.59
|
Tax
|
59.42
|
28.79
|
27.82
|
106.39
|
113.59
|
130.23
|
145.68
|
-10.61
|
Profit After Tax
|
146.79
|
124.92
|
115.29
|
17.51
|
27.32
|
501.72
|
415.59
|
20.72
|
Adj Calculated EPS
|
13.69
|
11.66
|
12.45
|
17.41
|
9.96
|
46.81
|
44.83
|
4.42
|
Advances
|
23949.19
|
22300.00
|
17814.46
|
7.40
|
34.44
|
23949.19
|
17814.46
|
34.44
|
Deposits
|
32111.59
|
30100.00
|
24721.85
|
6.68
|
29.89
|
32111.59
|
24721.85
|
29.89
|
Q4'12
|
Q3'12
|
Q4'11
|
QoQ (bps)
|
YoY(bps)
|
FY12
|
FY11
|
YoY(bps)
| |
Capital Adequacy Ratio Basel II
|
14.33%
|
13.25%
|
14.41%
|
108
|
-8
|
14.33%
|
14.41%
|
-8
|
% of Net NPAs
|
0.33%
|
0.29%
|
0.07%
|
4
|
26
|
0.33%
|
0.07%
|
26
|
% of Gross NPAs
|
1.33%
|
1.45%
|
1.26%
|
-12
|
7
|
1.33%
|
1.26%
|
7
|
Provisions Coverage%
|
75.46%
|
80.03%
|
93.92%
|
-457
|
-1846
|
75.46%
|
93.92%
|
-1846
|
C/D ratio
|
74.58%
|
74.09%
|
72.06%
|
49
|
252.16
|
74.58%
|
72.06%
|
252
|
C/I Ratio
|
42.85%
|
41.46%
|
46.95%
|
139
|
-409.54
|
42.73%
|
41.76%
|
97
|
OI/TI
|
57.15%
|
58.54%
|
53.05%
|
-139
|
409.54
|
57.27%
|
58.24%
|
-97
|
Regards,
Team Microsec Research
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