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www.kvb.co.in/global/bank_profile.html

THE KARUR VYSYA BANK LIMITED
A PROFILE
(As on 31.03.2014)
OUR VISION:

OUR VISION: DELIGHT T...
See More HE 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 97 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 a wide gamut of financial services to millions of its customers under one roof.
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Branch and ATM Network
The Bank has 572 branches and 1617 ATMs covering 18 States and 2 Union Territories and during the year 2013-14 the Bank has added 21 branches and 345 ATMs.
State wise number of branches and locations are furnished below:-
S. No NAME OF THE STATE NO.OF. BRANCHES
1 ANDHRA PRADESH 77
2 CHANDIGARH 1
3 CHATTISGARH 1
4 DELHI 12
5 GOA 1
6 GUJARAT 15
7 HARYANA 4
8 JHARKHAND 2
9 KARNATAKA 38
10 KERALA 14
11 MADHYA PRADESH 3
12 MAHARASTRA 26
13 ORISSA 5
14 PONDICHERRY 4
15 PUNJAB 7
16 RAJASTHAN 2
17 TAMILNADU 295
18 TELANGANA 45
19 UTTAR PRADESH 6
20 WEST BENGAL 14
Banking and Para banking services:

KVB offers several deposit and loan products, tailor-made to cater to the specific needs of customers.
The bank offers NRE / FCNR deposits and remittance services and "KVB Gruhapravesh" home loans to NRIs.
KVB offers a wide range of customized products to suit different industries under MSME clusters by way of its products like KVB MSME Pack, KVB Rice Plus, KVB Timber Plus, KVB Transport Plus, KVB Pharma Plus etc.
The Bank has the entire range of products and services for Corporate Banking and Forex Business.
The bank offers all types of general insurance policies through a tie-up with M/s Bajaj Allianz General Insurance Company Ltd.
The bank offers all types of life insurance policies through a tie-up with M/s Birla Sun Life Insurance Company Ltd.
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 is 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 and silver bars.
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Technological accomplishments:

Branch Banking

KVB is one of the earliest banks to implement Core Banking Solution across its branch network
Convenient business hours
Branches are equipped with ATMs, Cash Deposit Machines and Kiosk
Door Step Banking services – Cash pick up and Cash delivery

Alternate Channels
ATM
24 hours Security
Well maintained ATM machines
Value added services

Internet Banking
Financial and Non-financial transactions
Utility Bill Payments
Transfer of funds through RTGS/NEFT
On line term deposit account opening
On line purchase of Gift/Travel Cards
One time password authentication for retail transactions
RSA Crypto tokens for Corporate transactions
Instant welcome and transaction alerts through SMS
Lock/Unlock facility through SMS
IRCTC booking payments
Merchant payments through payment aggregators (Bill Desk, CC Avenue, Atom, Tech Process, Ibibo)
Electricity Bill Payments
Payment of Direct and Indirect Taxes

Mobile Banking
Financial and non-financial transactions
Funds transfer through IMPS
Ypay Cash – Wallet Services
Utility Bill Payments
Electricity Bill Payments (Tamilnadu)

Point of Sales
GPRS enabled services
Settlement on T1
Risk Management Tool to prevent fraudulent transactions
Balance enquiry, Statement view facility through the machines
Help Desk services for effective after sale services
Competitive rates based on customer value
Attractive Reward points

Pre-paid and Credit Cards
Foreign Travel Cards – US Dollars, Euro and Singapore Dollars
Gift Cards
Tie-up with SBI credit cards
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Financial landmarks of the bank as on 31.03.2014:
Total business of the bank stood at Rs. 77,984 Crs. - Total Deposits at Rs. 43,758 Crs. and Total Advances at Rs. 34,226 Crs.
The net profit of the bank for fiscal 2013-14 was Rs. 429.60 Crs.
The net owned funds of the bank are Rs. 3326.34 cr.
The bank has a Capital Adequacy Ratio of 14.33 % (Basel II) as against the RBI stipulated norm of 9%.
The Net NPA stood at 0.41%.
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, the dividend was 120%.140% dividend was declared for 2011-12 and 2012-13, 130% dividend was declared for 2013-14.
Dividend Payment
Accolades:
• Best Small Bank Award given by Business World Magna Awards 2014 recognizing Banking excellence
• The Sunday Standard Best Bankers' Awards 2013 awarded the Best Banker Growth Mid-Sized award to KVB
• State Forum of Banker's Club, Kerala Excellence Awards 2014 selected KVB as the third Best bank among private sector banks at national level
• Institute of Public Enterprises (IPE) – BFSI- awarded "Best Bank in Private Sector" in June 2013
• Kompella Portfolio Investment Advice Magazine, Hyderabad recognized KVB as the "Top Bank in the Old Private Sector" and " Third Best Bank of the Quarter" among public sector, old private sector and new private sector banks for the quarter ended 30.06.2013
• Best Bank award among small Banks by IDBRT for " Banking Technology (Electronic Payment Systems)" for the year 2012-13
• In the NSDL Star Performer Awards 2013, KVB bagged "Top Performer in New Accounts opened (Bank Category)"
KVB was ranked 188th among India's Most Valuable Top 500 companies based on Market Capitalization as per November 2013 issue of Business Today
Fortune India December 2013 publication listed KVB as 227th Company under Top 500 Companies in India
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Future outlook:
The bank has in place robust risk management systems and adheres to the tenets of Corporate Governance. The bank is well-equipped to boldly take up the challenges in the industry and emerge as a top-notch one-stop-shop techie financial supermarket. KVB will continue its endeavors to bring the best of products and services to its customers and to emerge as the gateway to 'Smart Way to Bank'.

For more information about the bank, its products and also to record your feedback, please log on to www.kvb.co.in alternatively, please call our Helpline 18602001916.