OUR VISION: DELIGHT THE CUSTOMERS CONTINUALLY BY BLENDING TRADITION WITH TECHNOLOGY TO DELIVER INNOVATIVE PRODUCTS AND SERVICES

AT AFFORDABLE RATES THROUGH A PAN INDIA BRANCH NETWORK Welcome to Karur Vysya Bank the bank that carries with it a tradition of 95 years and yet is young enough to adapt itself to the rapidly changing scenario in the banking industry. Origins: Karur Vysya Bank was started in the year 1916 in Karur, then a small textile town with a vast agricultural background, by two illustrious sons of the soil Sri M.A. Venkatarama Chettiar and Sri Athi Krishna Chettiar. What started as a venture with a seed capital of Rs. 1.00 lakh has grown into a leading financial institution that offers the wide gamut of financial services to millions of its customers under one roof. Financial landmarks of the bank:

Total business of the bank was at Rs. 42774.26 cr. with total deposits at Rs. 24721.85 cr. and total advances at Rs. 18052.41 cr. as on 31.03.2011. KVB is the first Tamilnadu based private sector bank to cross the milestone figure of Rs. 42000 cr. total business. The net profit of the bank for fiscal 2010-11 was Rs. 415.59 cr. The net owned funds of the bank are Rs. 2136.98 cr. The bank has a Capital Adequacy Raito of 14.41% (Basel II) as against the RBI stipulated norm of 9%. The bank has one of the lowest net NPA ratios in the country @ 0.07%. The bank has been earning profits since inception and has been declaring dividend uninterruptedly. The bank has declared 100% dividend since 2003-04. Since 2007-08, 2008-09 and 2009-10, the dividend paid is 120%.

Top A snapshot of the Bank's performance under various parameters for the past three financial years along with the position as on 31.03.2011 is as follows: (Rs. In crores)

Particulars

2008 - 09

2009-10

2010-11

Deposits

15101.39

19271.85

24721.85

Advances

10562.90

13675.00

18052.41

Net Profit

235.84

336.03

415.59

Capital Funds

1350.16

1619.98

2136.98

Capital Adequacy

14.92%

14.49%

14.41%

Net NPA Branch and ATM network:

0.25%

0.23%

0.07%

The bank has a branch network of 369 and an ATM network of 488 as on 31.03.2011. The bank plans to improve the branch network to 450 by the end of the financial year 2011 -12. (For the latest branch and ATM network position, please see Latest News section in the Home Page). Technological accomplishments: KVB is one of the earliest banks in the country to achieve full networking of its branches under Core Banking Solutions, offering services through multiple delivery channels. Some of the noteworthy accomplishments of KVB are: :

Any Branch Banking Multicity Account facilities for both current and savings bank customers. Internet Banking On line utility bill payments and shopping facilities On line payment of electricity bill in Tamilnadu through Net Banking e-commerce facilities backed with the safety of Verified by VISA Mobile Banking Point of sale machines Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) facilities at all branches VISA Debit card facility with a card base of over 2 million On-line rail and air ticket booking using KVB VISA Debit card VISA enabled Gift and Travel Card Access to nearly 500 KVB ATMs and over 13000 domestic ATMs under the VISA / NFS cluster and over 1 million VISA ATMs worldwide Card to Card and Card to account transfer of funds through KVB ATMs Payment of institutional fees through ATMs Payment for air tickets (Kingfisher) through KVB ATMs 24 X 7 toll free professional help desk services for all ATM, Internet Banking, Mobile Banking and e-commerce transactions

Top Banking and Para banking services:

Top

KVB offers several deposit and loan products, tailormade to cater to the specific needs of customers The bank offers all types of general insurance policies through a tie-up with M/s Bajaj Allianz General Insurance Company The bank offers life insurance policies through a tie-up with M/s Birla Sun Life Insurance Company The Bank distributes the Mutual Fund products of UTI, SBI MF, Reliance MF, Sundaram BNP Paribas MF, Birla Sunlife MF, Franklin Templeton MF and LIC MF The Bank is a Depository Participant through NSDL and opens demat accounts ASBA facility available Off-line and on-line trading facility is available to the demat customers enabled through a tie-up with M/s Religare Securities Ltd and M/s IDBI Caps respectively KVB is one of the authorized banks to open accounts under the New Pension Scheme. KVB POS terminal facility is available at merchant establishments. KVB sells pure 24 carat Assay certified Gold Coins and bars. Besides silver coins and bars.

Recognitions:

Ranked as Best Small sized Bank, 2010 by Business World Price Waterhouse Coopers Dun & Bradstreet Polaris Software Banking Award 2010 for Best Private Sector Bank in Asset Quality

Awarded the "Banking Technology Excellence Awards - 2009" - Special Award Best IT Infrastructure Management, 2009 by Institute for Development and Research in Banking Technology, Hyderabad. Won the award for Best use of IT for Customer Service in Semi-Urban and Rural Areas during the previous year. Ranked by The Banker, London among the TOP 1000 Banks of the world for the year 2009, one among 31 Indian Banks featuring in the list. Ranked as the Best Mid-sized Bank by Business Today - KPMG for 2009. Was rated as the Most Efficient Small Bank by Business Today - KPMG and as the No. 1 old private sector bank by Financial Express Ernst & Young for two years in succession (2006 & 2007). Received the CFBP Jamnalal Bajaj Award 2008 for Fair Business Practices in the Financial Sector Category. The award has been instituted by the Council for Fair Business Practices, Mumbai based on evaluation parameters like customer satisfaction, customer communication, employee motivation, social conscience, corporate social responsibility and compliance with laws.

Bank History Commercial banking in India can boast of a history of about 200 years. Though one could trace the history of banking back to the 19th century, the beginning of the last century saw the birth of many banks in India, set up by people with vision, commitment and national spirit. The Karur Vysya Bank Limited, popularly known as KVB, one such endeavour, was set up in 1916 by two great visionaries and illustrious sons of Karur, the Late Shri M A Venkatarama Chettiar and the Late Shri Athi Krishna Chettiar to inculcate the habit of savings and provide financial assistance to traders and small agriculturists in and around Karur, a textile town in Tamil Nadu. Though the bank started with a seed capital of Rs.1 lakh, it has withstood innumerable changes and challenges in the past few decades and has profitably emerged as one of the leading banks in India without compromising on its fundamentals. The bank is professionally managed and guided by the Board of Directors drawn from different fields with vision, experience, knowledge and business acumen. Shedding its inherent regional flavour, the bank has now spread its wings far and wide with over 320 branches in 13 States and 3 Union Territories in order to gain a pan India presence. The bank has been conducting its affairs meticulously to conform to all the prudential norms and exacting statutory regulations. KVB has consistently maintained strong fundamentals with a higher percentage of Capital Adequacy Ratio than mandated by the RBI. KVB has also been generating profits and rewarding its stakeholders with handsome dividends since inception. OUR VISION DELIGHT CUSTOMERS CONTINUALLY BY BLENDING TRADITION WITH TECHNOLOGY TO DELIVER INNOVATIVE PRODUCTS AND SERVICES AT AFFORDABLE RATES THROUGH A PAN INDIA BRANCH NETWORK. OUR MISSION

Adapt technology to introduce innovative products and services as well as increase the value of products on an ongoing basis and provide them at reasonable rates. Expand branch network to reach the top business centres, besides unbanked and under banked areas in the country; Strengthen the financials through effective deployment of funds and ensuring financial discipline while adhering to the regulator's guidelines Update the knowledge and skills of the human capital to provide quality customer support.

Domestic Term Deposits (Card Rates) Time Bucket Rate

8 Days to 30 Days

6.00%

31 Days to 181 days to 270 days

7.65%

271 Days to less than 1 year

8.50%

1 year to 2 years

10.00%

Above 2 years to 3 years

9.75%

Above 3 years

9.50%

For KVB - Tax Shield Deposits Senior Citizens Deposits (Card Rates): Time Bucket

9.00%

Rate

1 year to 2 years

10.50%

Above 2 years to 3 years

10.25%

Above 3 years to 5 years

10.00%

For KVB - Tax Shield Deposits

9.25%