Karur Vysya Bank Limited (KARURVYSYA) - Net Assets
Based on the latest financial reports, Karur Vysya Bank Limited (KARURVYSYA) has net assets worth Rs134.73 Billion INR (≈ $1.46 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.36 Trillion ≈ $14.66 Billion USD) and total liabilities (Rs1.22 Trillion ≈ $13.20 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Karur Vysya Bank Limited liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs134.73 Billion |
| % of Total Assets | 9.94% |
| Annual Growth Rate | 14.75% |
| 5-Year Change | 71.41% |
| 10-Year Change | 160.87% |
| Growth Volatility | 233.37 |
Karur Vysya Bank Limited - Net Assets Trend (2005–2025)
This chart illustrates how Karur Vysya Bank Limited's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Karur Vysya Bank Limited for the complete picture of this company's asset base.
Annual Net Assets for Karur Vysya Bank Limited (2005–2025)
The table below shows the annual net assets of Karur Vysya Bank Limited from 2005 to 2025. For live valuation and market cap data, see Karur Vysya Bank Limited market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs119.30 Billion ≈ $1.29 Billion |
+18.82% |
| 2024-03-31 | Rs100.40 Billion ≈ $1.09 Billion |
-88.75% |
| 2023-03-31 | Rs892.30 Billion ≈ $9.65 Billion |
+1074.66% |
| 2022-03-31 | Rs75.96 Billion ≈ $821.50 Million |
+9.14% |
| 2021-03-31 | Rs69.60 Billion ≈ $752.67 Million |
+5.45% |
| 2020-03-31 | Rs66.00 Billion ≈ $713.79 Million |
+2.76% |
| 2019-03-31 | Rs64.23 Billion ≈ $694.60 Million |
+2.53% |
| 2018-03-31 | Rs62.64 Billion ≈ $677.45 Million |
+24.40% |
| 2017-03-31 | Rs50.36 Billion ≈ $544.59 Million |
+10.12% |
| 2016-03-31 | Rs45.73 Billion ≈ $494.55 Million |
+7.70% |
| 2015-03-31 | Rs42.46 Billion ≈ $459.19 Million |
+27.65% |
| 2014-03-31 | Rs33.26 Billion ≈ $359.73 Million |
+7.82% |
| 2013-03-31 | Rs30.85 Billion ≈ $333.65 Million |
+13.92% |
| 2012-03-31 | Rs27.08 Billion ≈ $292.88 Million |
+28.08% |
| 2011-03-31 | Rs21.15 Billion ≈ $228.68 Million |
+30.53% |
| 2010-03-31 | Rs16.20 Billion ≈ $175.19 Million |
+19.98% |
| 2009-03-31 | Rs13.50 Billion ≈ $146.02 Million |
+13.46% |
| 2008-03-31 | Rs11.90 Billion ≈ $128.69 Million |
+11.93% |
| 2007-03-31 | Rs10.63 Billion ≈ $114.98 Million |
+21.97% |
| 2006-03-31 | Rs8.72 Billion ≈ $94.26 Million |
+14.56% |
| 2005-03-31 | Rs7.61 Billion ≈ $82.29 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Karur Vysya Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 116405.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs2.21 Billion | 1.85% |
| Common Stock | Rs1.61 Billion | 1.35% |
| Other Comprehensive Income | Rs117.69 Billion | 98.65% |
| Total Equity | Rs119.30 Billion | 100.00% |
Karur Vysya Bank Limited Competitors by Market Cap
The table below lists competitors of Karur Vysya Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
COL Digital Publishing Group Co Ltd
SHE:300364
|
$3.07 Billion |
|
Nanjing Tanker Corp
SHG:601975
|
$3.07 Billion |
|
People.Cn Co Ltd
SHG:603000
|
$3.07 Billion |
|
International Petroleum Corp
TO:IPCO
|
$3.07 Billion |
|
Seacoast Banking Corporation of Florida
NASDAQ:SBCF
|
$3.07 Billion |
|
Community Bank System Inc
NYSE:CBU
|
$3.07 Billion |
|
Hawkins Inc
NASDAQ:HWKN
|
$3.06 Billion |
|
Guangdong Dongfang Precision Science & Technology Co Ltd
SHE:002611
|
$3.06 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Karur Vysya Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 100,400,732,000 to 119,295,432,000, a change of 18,894,700,000 (18.8%).
- Net income of 19,416,367,000 contributed positively to equity growth.
- Dividend payments of 1,925,300,000 reduced retained earnings.
- Share repurchases of 44,200,000 reduced equity.
- New share issuances of 44,200,000 increased equity.
- Other comprehensive income increased equity by 41,775,694,000.
- Other factors decreased equity by 40,372,061,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs19.42 Billion | +16.28% |
| Dividends Paid | Rs1.93 Billion | -1.61% |
| Share Repurchases | Rs44.20 Million | -0.04% |
| Share Issuances | Rs44.20 Million | +0.04% |
| Other Comprehensive Income | Rs41.78 Billion | +35.02% |
| Other Changes | Rs-40.37 Billion | -33.84% |
| Total Change | Rs- | 18.82% |
Book Value vs Market Value Analysis
This analysis compares Karur Vysya Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.98x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 29.62x to 1.98x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | Rs9.91 | Rs293.50 | x |
| 2006-03-31 | Rs11.35 | Rs293.50 | x |
| 2007-03-31 | Rs13.85 | Rs293.50 | x |
| 2008-03-31 | Rs15.50 | Rs293.50 | x |
| 2009-03-31 | Rs17.58 | Rs293.50 | x |
| 2010-03-31 | Rs21.10 | Rs293.50 | x |
| 2011-03-31 | Rs27.54 | Rs293.50 | x |
| 2012-03-31 | Rs35.27 | Rs293.50 | x |
| 2013-03-31 | Rs40.18 | Rs293.50 | x |
| 2014-03-31 | Rs43.32 | Rs293.50 | x |
| 2015-03-31 | Rs55.30 | Rs293.50 | x |
| 2016-03-31 | Rs63.58 | Rs293.50 | x |
| 2017-03-31 | Rs70.22 | Rs293.50 | x |
| 2018-03-31 | Rs86.55 | Rs293.50 | x |
| 2019-03-31 | Rs80.35 | Rs293.50 | x |
| 2020-03-31 | Rs82.57 | Rs293.50 | x |
| 2021-03-31 | Rs87.07 | Rs293.50 | x |
| 2022-03-31 | Rs94.91 | Rs293.50 | x |
| 2023-03-31 | Rs106.90 | Rs293.50 | x |
| 2024-03-31 | Rs124.91 | Rs293.50 | x |
| 2025-03-31 | Rs148.19 | Rs293.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Karur Vysya Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.28%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.73%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 10.01x
- Recent ROE (16.28%) is above the historical average (13.14%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 13.84% | 14.97% | 0.09x | 10.36x | Rs292.54 Million |
| 2006 | 15.53% | 17.55% | 0.09x | 10.33x | Rs481.91 Million |
| 2007 | 15.05% | 16.22% | 0.09x | 10.42x | Rs536.92 Million |
| 2008 | 17.51% | 16.16% | 0.09x | 12.25x | Rs893.31 Million |
| 2009 | 17.47% | 13.78% | 0.10x | 12.64x | Rs1.01 Billion |
| 2010 | 20.74% | 16.76% | 0.09x | 13.58x | Rs1.74 Billion |
| 2011 | 19.65% | 16.74% | 0.09x | 13.35x | Rs2.04 Billion |
| 2012 | 18.53% | 13.86% | 0.10x | 13.90x | Rs2.31 Billion |
| 2013 | 17.84% | 11.72% | 0.10x | 15.15x | Rs2.42 Billion |
| 2014 | 12.92% | 7.56% | 0.11x | 15.50x | Rs969.65 Million |
| 2015 | 10.93% | 7.77% | 0.11x | 12.52x | Rs396.82 Million |
| 2016 | 12.41% | 9.23% | 0.11x | 12.61x | Rs1.10 Billion |
| 2017 | 12.03% | 9.46% | 0.10x | 12.27x | Rs1.02 Billion |
| 2018 | 5.52% | 5.24% | 0.10x | 10.68x | Rs-2.81 Billion |
| 2019 | 3.28% | 3.11% | 0.10x | 10.80x | Rs-4.31 Billion |
| 2020 | 3.56% | 3.28% | 0.10x | 10.34x | Rs-4.25 Billion |
| 2021 | 5.16% | 5.64% | 0.09x | 10.72x | Rs-3.37 Billion |
| 2022 | 8.86% | 10.59% | 0.08x | 10.54x | Rs-863.50 Million |
| 2023 | 12.89% | 15.02% | 0.08x | 10.51x | Rs2.48 Billion |
| 2024 | 15.98% | 17.14% | 0.09x | 10.50x | Rs6.01 Billion |
| 2025 | 16.28% | 17.73% | 0.09x | 10.01x | Rs7.49 Billion |
Industry Comparison
This section compares Karur Vysya Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $108,245,704,600
- Average return on equity (ROE) among peers: 6.74%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Karur Vysya Bank Limited (KARURVYSYA) | Rs134.73 Billion | 13.84% | 9.06x | $3.07 Billion |
| AU Small Finance Bank Limited (AUBANK) | $62.75 Billion | 18.66% | 7.22x | $8.21 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $216.10 Billion | 10.32% | 7.23x | $3.48 Billion |
| Bank of Baroda (BANKBARODA) | $133.71 Billion | 17.83% | 16.32x | $14.73 Billion |
| Bank of India (BANKINDIA) | $245.44 Billion | 28.81% | 17.60x | $6.89 Billion |
| Canara Bank (CANBK) | $254.09 Billion | 11.69% | 15.50x | $13.21 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $1.15 Billion | 11.96% | 16.87x | $136.92 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $3.57 Billion |
| CSB Bank Limited (CSBBANK) | $8.88 Billion | -5.98% | 16.74x | $699.76 Million |
| City Union Bank Limited (CUB) | $48.41 Billion | 14.11% | 8.35x | $2.17 Billion |
| DCB Bank Limited (DCBBANK) | $1.64 Billion | -51.93% | 21.79x | $649.92 Million |
About Karur Vysya Bank Limited
The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury segment offers investments in Central and State Government securities, debt instruments of banks, FIs, insurance companies, PSUs and corporates, cer… Read more