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Presentation on Analysis of Financial Results
March 2019
Table of contents
2
1FY19 - Financial Performance
Goal - FY20
3
FY19 - Financial Performance
• Business Turnover of ` 1,23,280 crore
as on 31.03.2019.
• Networth of ` 5,785 crore as on
31.03.2019.
• 2,046 service outlets with 836 branches
and 1,210 ATMs (incl. 330 recyclers) in
542 centres across India as on
31.03.2019.
• Offers wide variety of corporate and
retail banking products and services to
over 10.3 million customers.
• Incorporated in 1924, one of the oldest
time tested private sector Banks.
Evolution
Offers wide verity of banking products
With ` 1,23,280 Cr
business turnover
Oldest Bank
2,047 Outlets all over India
3 Months 12 Months
KPAs Q4 FY 19 Q4 FY 18 Q4 FY 19 Q4 FY 18
Turnover 1,23,280 1,10,123 1,23,280 1,10,123
Operating profit 324.23 475.33 1,449.81 1,473.16
Net profit 61.73 11.00 477.24 325.61
Return on Asset 0.32% 0.06% 0.64% 0.49%
Earning per Share 2.18 0.39 16.89 11.52
Return on Equity 4.29% 0.81% 8.53% 6.17%
Net Interest Income 480.88 541.51 1,905.12 1,857.65
Net Interest Margin 2.87% 3.54% 2.93% 3.18%
Gross NPA 4.41% 4.92% 4.41% 4.92%
Net NPA 2.95% 2.96% 2.95% 2.96%
Cost to Income 57.97% 43.14% 50.13% 47.61%
CRAR (Basel III) 13.17% 12.04% 13.17% 12.04%
Highlights – Q4 FY 19
(` crs)
17,2
98
17,3
58
19,2
15
45,4
06
46,4
79
48,1
25
17,1
58
17,5
94
16,4
73
43,3
12
42,1
96
40,0
89
1,113
1,3041,1802,2553,081
171
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
CASA Retail Wholesale deposits *
6
Deposits
Deposits (` crs)
Deposits break up (Mar „19)
56,733
65,14162,871
CASA share to total Deposits
* Wholesale deposits = Purchase liability + Certificates of deposit + Interbank deposits
63,88562,725
22.28%
5.79%
1.63%
70.30%
Savings Bank Current Account
Wholesale deposits Retail Term Deposits
68,452
29.04%
27.99%27.35%
27.08%26.65%
28.07%
20%
21%
22%
23%
24%
25%
26%
27%
28%
29%
30%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
7
Advances [Net] (` crs)
36,916
47,252
47,731
49,970
51,961
54,828
0 15,000 30,000 45,000 60,000
Mar '17
Mar '18
Jun '18
Sept '18
Dec '18
Mar '19
Advances
RatingNo of
BorrowersBalance O/s
(in cr)
% to GBC
Of which, NPA – no. of
borrowers
NPA – Bal o/s (cr)
AAA22
(18)7,925.19
(6,161.32)14.23
(12.77)- -
AA44
(36)6,284.86
(4,211.27)11.28(8.73)
- -
A37
(28)1,789.11(734.75)
3.21(1.52)
- -
BBB80
(63)1,860.20
(1,641.70)3.34
(3.40)1
(-)31.26
(-)
BB72
(71)1,719.83
(1,840.44)3.09
(3.81)1
(1)24.75
(22.72)
B33
(34)487.51
(509.37)0.88
(1.06)2
(1)90.64
(31.86)
C1
(1)12.95
(10.09)0.02
(0.02)1
(-)12.95
(-)
D23
(20)832.44
(1,001.35)1.49
(2.08)10(7)
638.09(808.31)
Total312
(271)20,912.09
(16,110.29)37.55
(33.39)
15(9)
797.69(862.89)
Gross Bank Credit 55,692.75(48,245.51)
External rating wise Credit Portfolio as of Mar „19[ Figures in brackets – as of Mar „18]
Advances
Segmentation of Gross Advances (Mar „19)
CRE
5.94%
Others
4.78%
NBFC
15.22%
Medium
Ent.
2.81%
Other
Personal
loans
5.61%
Large Ent.
15.19%
Housing
13.01%
Agriculture
*
10.94%
Micro-
Small Ent.
18.28%
Infra
8.20%
* However, this works out to 15.81% of the ANBC of 31.03.2018.
52.6
%
45
.1%
45
.1%
45.5
%
43.7
%
42.8
%
10.8%
8.7% 8.8% 9.0% 8.7% 8.4%
36.6
%
46.2
%
46.1
%
45.5
%
47.7
%
48.7
%
0%
25%
50%
75%
100%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Large Corporate Mid Corporate Retail
Retail & Corporate Advances (%)
8
9
CD Ratio
65.1% 75.2% 76.1% 78.2% 79.8% 80.1%48.3%
168.4%143.5%
121.6% 103.2%135.8%
160.8%
56.8%
327.1%
193.0%158.6%
86.6%
0%
100%
200%
300%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
CD Ratio Incremental CD Ratio [Annual] Incremental CD Ratio [Quarter]
Pan-India footprint
Add Skills – 70%
Add Skills – 80%
Add Skills – 60%
Add Skills – 90%
28%
27%
23%
22%
Metro Urban Semi Urban Rural
Area wise distribution of Branches
Pan-India Presence
Total 2,046 service outlets – 836
branches & 1,210 ATMs, including 330
recyclers.
Total 34 e-Lobbies & 291 mini e-
Lobbies, all are having Recyclers.
Specialized branches for Forex,
Industrial, Agriculture, MSME,
Corporate business & Financial
Inclusion.
119 Financial Inclusion branches, 35
Ultra Small branches
Expanding network in northern India
also.
Name Here
25
21
2
4
23
7
11
9
3
520
21
7
51
8
1
7
9
50
11
5
20
1724
39
1
Has the strongest presence in South India with 655 branches
0
500
1000
1500
2000
Mar '17 Mar '18 Mar '19
765 800 836
13801534
1210
Branches ATMs (incl recyclers)
Top 5 States:Karnataka (520), Maharashtra (51), Tamilnadu(50), Andhra Pradesh (39), Telangana (24)
11
Income & Profit
Net Income (` crs)
996
1,473
369
725
1,126
1,450
452 326
163 275
416 477
0
500
1000
1500
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Operating profit Net profit
Operating and Net Profit (` crs)
Net Interest Margins (%) Cost to Income Ratio (%)
(12 months) (9 months)(12 months) (12 months) (9 months)(12 months)
1,90
51,
002
2,135
2,907
469
1,85
8
1,49
1
936 1,
424
711
209
954
809
410
2,8122,300
678
1,346
0
500
1,000
1,500
2,000
2,500
3,000
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Net Interest Income Other Income
(3 months) (6 months) (3 months) (6 months)(12 months) (12 months)
2.79%
3.18%
3.00%2.95% 2.95% 2.93%
2.50%
2.60%
2.70%
2.80%
2.90%
3.00%
3.10%
3.20%
3.30%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
56.70%
47.61%45.54% 46.13% 47.29%
50.13%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Return and Capital Adequacy Ratios
Return on Equity (%) (after tax) Return on Assets (%) (after tax)
Capital Adequacy (%) - Basel III
11.1
7
13.17
10.4
1
12.2
1
11.2
9
10.8
4
10.5
6
2.001.56
1.090.75 0.76 0.74
11.9811.30 11.60
13.30
12.04
0
4
8
12
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Tier I Tier II
10.24%
6.17%
11.89%
10.01% 9.95%8.53%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
0.74%
0.49%
0.91%
0.76% 0.75%0.64%
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
1.00%
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
13
NPAs
Gross NPAs (` crs)
1,5
82
2,3
76
2,2
97
2,3
72
2,3
46
2,4
56
4.21%4.92% 4.72% 4.66% 4.45% 4.41%
0%
2%
4%
6%
0
500
1,000
1,500
2,000
2,500
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Gross NPA Gross NPA %
Net NPAs (` crs)
97
5 1,4
01
1,3
96
1,4
98
1,5
61
1,6
17
2.64%2.96% 2.92%
3.00% 3.00%2.95%
0%
1%
2%
3%
0
300
600
900
1200
1500
Mar '17 Mar '18 Jun '18 Sept '18 Dec '18 Mar '19
Net NPA Net NPA %
14
328
763
772
583
574
574
Of which, NPA
Restructured Advances(` crs)
SectorRestructured
Adv.Of which,
NPA
Large Industry 380.99 380.99
Infrastructure 168.55 167.88
MSME [excl. Infrastructure] 134.08 16.07
Agriculture 68.92 8.73
Education[Individual + Institution]
49.65 -
Housing 25.32 0.01
Others 22.13 -
Consumption loans 22.09 0.03
Wholesale/Retail Trade [excl.
services]0.67 -
Grand Total 872.40 573.71
Sector wise Restructured Adv. as Mar „19:
Restructured loans & related accounts
402
489
466
417
412
406
932
562
557
433
484
489
0 500 1,000
Mar '17
Mar '18
Jun '18
Sept '18
Dec '18
Mar '19
Restructured loans Related a/cs
872
1,046
819
1,046
1,365
901
15
No. of a/cs Amount (` in cr)
Opening balance as on 31.03.2018
41 420.93
Addition 9 143.96
Deletion / Upgradation
39 396.48
Position as on 31.03.2019
11 168.41
SMA2 Movement
Pioneer in implementing
“Finacle” (CBS) amongst
the first generation
private sector banks
Also offers other
Products such as
NGRTGS, NEFT,
NECS, CTS, Online
Trading, ASBA facility,
Gift Card, Travel Card,
Biometric Smart Card
under Financial
Inclusion, PoS Network,
Online inward
remittance facility to
NRIs etc.
State-of-art IT set up
which has enabled
Anytime Anywhere
Banking through alternate
delivery channels such as
ATMs, VISA International
Debit Card, RUPAY Debit
Card, Internet
Banking, Mobile
Banking, IMPS, e-lobby
etc.
Implemented „M-Passbook‟
(Mobile Passbook), „KBL
Apna App‟ (SMS Banking),
„KBL-Mobile‟ (Mobile
Banking) app, „BHIM KBL
UPI‟ app on Unified
Payment Interface, etc as
additional facilities for the
convenience of customers.
Implemented Lending
Automation Processing System
(LAPS) software for efficient life
cycle management of loan
accounts and improved
monitoring.
Implemented an Enterprise
Level Fraud Risk Management
System (ELFRMS) for effective
cyber fraud prevention across
delivery channels.
Robust technology platform and risk management systems
Strong technology platform
The existing “ISO 27001:2013” certificate encompassing the
Information Security Management System (ISMS) at the
Bank‟s Data Centre, Near line Site [NLS] at Bengaluru and
Information Technology Department including the DR site
[IT & DR] at Head Office, Mangaluru, has been renewed by
AJA Registrars, UK, for a further period of three years up to
March 2022, reflecting the Bank‟s continued commitment to
technology adoption.
17
Robust technology platform and risk management systems
Effective risk management system
2
3
4
1
5
Periodical monitoring & reviewing of risk profile of the bank.
Internal Credit Rating of all the borrowers: Credit exposure above INR 25 lakh are rated borrower-wise and
credit facilities below INR 25 lakh & all schematic advances including agri-credit proposals are rated under
„Pool based approach‟.
Continuous offsite surveillance of borrower accounts.
Effective ALM/mid office set up to monitor Liquidity risk/ Market risk on a continuous basis.
To effectively control possible frauds in “online transactions” done by customers, enterprise level fraud risk
Management solution is implemented.
7
8
6 For effective Operational risk management:
o Bank is building up a database of internal Loss data, near- miss cases and other Operational risk events,since Sept 2007.
o Bank has an effective AML monitoring system to scrutinize the customer transactions to ensurecompliance to the extant guidelines.
Bank has taken all necessary steps for migration to „Basel II advanced approaches‟ under Credit, Market and
Operational Risk and also complied with the extant „Basel III‟ guidelines of RBI.
Bank has implemented a scientific Fund Transfer Pricing (FTP) & Customer Profitability Management System
(CPMS) to assess the performance of branches / products / portfolios / customers.
18
Leveraging on Technology
Migration to Digital Channel
[share of ADC transactions to total CBS transactions]
44.49%
50.41%53.06%
65.34%
77.86%
20%
40%
60%
Mar '15 Mar '16 Mar '17 Mar '18 Mar '19
19
Mobile Banking
1120
1198
1295
1355
1436
As on 31.03.2018 As on 30.06.2018 As on 30.09.2018 As on 31.12.2018 As on 31.03.2019
No.of Regd users (Thousands)4
60
9
53
07
60
37
70
17
67
83
50
58 66
76 75
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
No. of Transactions (in 000's)
Avg. Transactions per day (in 000's)
51
21
54
27
63
10
72
75
73
11
56 60
69
79 81
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
Value of Transactions (in Crore)
Avg. value of Transactions per day (in Crore)
20
Deb
it c
ard
s P
en
etr
ati
on
Card
s U
sag
e
Debit Cards
41.2642.95
44.8446.64
48.5980.70
81.83
83.06
84.4185.19
As on 31.03.2018 As on 30.06.2018 As on 30.09.2018 As on 31.12.2018 As on 31.03.2019
Total cards issued (Lakhs) Penetration (%)
75.43 79.84 93.14 99.5 108.64
107.06 106.26 111.09 114.89 113.36
182.49 186.10 204.23 214.39 222.00
Q4(FY2017-18) Q1(FY2018-19) Q2(FY2018-19) Q3(FY2018-19) Q4(FY2018-19)
Total ATM transactions by our Debit Card holders(lakhs)
Shared Network (VISA/NFS) (lakhs)
KBL ATM (lakhs)
21
PO
S T
ran
sact
ion
Valu
eP
OS
In
stall
ati
on
Rep
ort
Point of Sale (POS) Business
13225 13083 14116 1399212816
1918
850
1813
982
727
As on 31.03.2018 As on 30.06.2018 As on 30.09.2018 As on 31.12.2018 As on 31.03.2019
No. of Machines Installed New Machines Added
4402654000 54459
66444 62790
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
Value of Transactions (Lakhs)
22
PO
S T
ran
sact
ion
sE
CO
M
Tra
nsa
ctio
ns
POS & ECOM transactions
35
82
40
97
45
42
49
51
50
93
39
45
5054
57
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
Txn (Thousand) per day (Thousand)
51
1.2
5
60
6.2
4
61
6.7
2
67
6.1
2
66
9.2
7
5.5
6.6 6.8 7.37.3
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
Amt (Crore) per day (Crore)
23
69
24
54
27
82
31
13
33
55
2627
31 34
36
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
Txn (Thousand) Per day (Thousand)
20
8
22
3 25
2 28
0
28
9
2.20
2.452.77
3.00 3.10
Q4(FY17-18) Q1(FY18-19) Q2(FY18-19) Q3(FY18-19) Q4(FY18-19)
Amt (Lakhs) Per day (Lakhs)
The journey of last 4 years
23
Rs cr FY16 FY17 FY18 FY19
Networth
Deposits
Borrowing
Other liabilities
Total
Cash
Loans
Investments
Fixed assets
Other assets
Total
3690.6
50488.2
1051.5
1270.0
56500.3
3044.9
33902.4
16256.7
306.6
2989.7
56500.3
5142.6
56733.1
836.2
1330.3
64038.6
3274.1
36915.7
20219.7
720.6
2908.5
64038.6
5410.2
62871.3
816.0
1276.2
70373.7
3601.0
47251.8
15444.4
761.6
3314.9
70373.7
5785.2
68452.1
3325.5
1482.9
79045.7
3609.8
54828.2
16185.0
774.9
3647.8
79045.7
Ratios (%)
CD Ratio 67.15 65.07 75.16 80.10
ID Ratio 32.20 35.64 24.57 23.64
P&L front
24
Rs cr FY16 FY17 FY18 FY19
NII
Other income
- fee
- others
Total income
Operating exp.
- Employee
- Other
Operating profit
NPA provision
Others
Profit before Tax
Profit after Tax
1302.9
542.9
237.9
305.0
1845.7
991.2
443.0
548.2
854.5
267.2
172.1
528.0
415.3
1490.6
809.3
276.1
533.2
2300.0
1304.2
601.0
703.1
995.8
551.4
-7.9
467.9
452.3
1857.7
954.3
364.4
589.9
2812.0
1338.8
524.8
814.0
1473.2
1080.4
67.2
310.1
325.6
1905.1
1002.0
430.5
571.5
2907.1
1457.3
605.6
851.7
1449.8
763.6
209.0
607.8
477.2
Ratios (%)
NIM 2.40 2.79 3.18 2.93
Cost-income 53.68 56.70 47.61 50.13
RoA 0.76 0.74 0.49 0.64
RoE 11.73 10.24 6.17 8.53
2525
Share holders‟ value
Dividend (%)
Earning Per Share (`)
Book value (`)
Banks, FIs, MF, I
nsurance Cos
15.96%Foreign Portfolio Investors14.57%
Indian Public60.03%
Others9.44%
Share holding pattern (Mar „19)
0.00
5.00
10.00
15.00
20.00
Mar '17Mar '18
Mar '19
19.38
11.52
16.89
0%
20%
40%
60%
80%
100%
Mar '17Mar '18
Mar '19 proposed
40%30% 35%
0
100
200
300
Mar '17
Mar '18
Mar '19
181.97 191.44204.71
26
FY20 - Goal
AB
C
Business Turnover of ` 1,44,000 crore.
Opening of 24 new Branches to take the total no. of Branches to 860.
To introduce following products & services:
Digitization for housing, personal & auto loans.
Launching of online mutual fund platform
Setting up of Contact Centre
Corporate Goal for 2019 -20
DOther initiatives:
Opening of Regional Collection Hubs at all Ros
Rebranding exerciseWomen @ KBL – a
special initiative to create career path for women employees
Starting a wholly owned non-financial subsidiary – KBL Services (P) Ltd.
Business Strategy
28
Digital Banking initiatives
Focusing on digital marketing of Bank‟s products & services
Value addition to Bank‟s existing Mobile Banking channel
Installation of self service kiosks Comprehensive IT and Digital
Strategy – Requirement of critical applications and IT infrastructure
Para banking activities.
Partnering with an efficient call center handling company for handling service calls for better customer service and handling sales and collection calls for marketing and credit monitoring.
Minimum space maximum business.
Credit augmentation Focusing on MSME sector Focusing on mid-corporate & retail
sectors Redesigning Home loan product Flow based lending and an exclusive
personal loan product.
NPA & Stressed Assets management
Minimizing slippages and improving recovery management.
A comprehensive collection mechanism.
CASA depositsFocusing on customer onboarding
to increase CASA as well as cross selling.
29
Other information
Corporate Social Responsibility
Foundation Stone Laying ceremony of the open stage theatreproposed to be constructed with the support of the Bank under itsCSR initiatives at the premises of University College, Mangaluru.
Donation of the Embosser machine to M/s MitraJyoti for promoting the training and education ofvisually impaired students.
30
Successful migration to Finacle 10.
Launched Cash@PoS facility & Deposit Only Card.
Launched Centralized Account Opening process for CASA accounts.
Launched DigiLocker Account facility through MoneyClick® Internet Banking.
06Content Here
01
Integrated Bank‟s education loan scheme with Govt of India‟s Vidya Lakshmi Portal for online education loan.
Implemented many of the Robotic Process Automation.
Launched new mobile banking app „KBL-Mobile Plus‟.
02
04
03
06
05
07
Other initiatives / developments
Partnered with Karvy DigiKonnect for Contact Centre Services
Tied up with Bharti AXA Life Insurance Co. Ltd for Life Insurance Business and Launched „QR code‟ instant two-wheeler insurance policy.
08
09
Easy to change
colors, photos and Text.
Content Here
52% 34%
Launched “KBL KOLLECT+” – a Collection tool, on pilot basis
at Regional Collection Hub in Bengaluru.
Launching of Monitoring Excellence Initiatives.
A new institutional SB product called KBL SB-TASC (Trusts,
Associations, Societies & Clubs) was launched.
Implementation of Employee Satisfaction and Career
Development System [ESCDS] and Key Result Area [KRA].
Launched ESOP scheme.
Revamped Internet Banking to improve customer experience.
Bank‟s first „Digi Branch‟ was inaugurated at Bengaluru.
Established Digital Centre of Excellence (DCoE).
KBL-Vikaas – Bank‟s Transformation Journey
BCG as transformation consultant
Launched Regional Loan Processing Centres [RLPCs] at all the
Regions.
Focus on Housing, Retail & MSME loans at these RLPCs.
Tied up with more number of DSAs, BSAs and MRAs, pan India, to
strengthen the credit portfolio.
Tied up with Fintech companies for Digital Home Loan sourcing.
Launched “KBL FORCE” - an integrated Lead Management System
(LMS) and KBL-FORCE (LMS) Mobile App.
Verticalized Credit Department as “Sales vertical” and “Sanctions
vertical”.
Introduced Collection Management System.
As a part of Transformation journey
Awards & AccoladesAwards & accolades received during the FY 2018-19:
“SMEs Excellence Award – 2018” under “Excellent Service
(Private sector)” category, instituted by ASSOCHAM.
“Best MSME Bank Award – Runner Up” instituted by
Chamber of Indian Micro Small & Medium Enterprises
[CIMSME].
“Best Performing Bank” under the following categories of
Atal Pension Yojana,
„People First‟ campaign at Tamilnadu for 100% branch
activation,
„Icons of inspiration‟ campaign, held during 2017-18,
„Best Private Bank‟ during 2017-18,
„Winners Arts of Possible‟ campaign 2018-19,
„Winners of Winning Wednesday‟ campaign – New
Delhi – R K Puram Branch,
„Winners of Winning Wednesday‟ campaign – Delhi
Regional Office,
Lead to Leap for FY 2018-19,
STP Award 2017: In recognition of Bank‟s outstanding
payment formatting and straight through rate, instituted by
Bank of New York, Mellon.
ET Now - BFSI Awards under
“Bank with Best Technology Orientation”
“Best Corporate Social Responsibility Practices”
ET Now – World HRD Congress Awards under
“Bank E-Learning module online”
“Best Employee Engagement in Banking Sector”
“Best Change Management Program”
“Best Learning & Development Strategy”
“Best use of Training in Employee Engagement”.
ASSOCHAM Social Banking Excellence Awards – 2018 :
Winner – Technology
Runner Up – Priority sector lending other than Agriculture
Runner Up – Overall best social banking.
IBA Banking Technology awards – 2019 in “Most Customer Centric
Bank” under Small bank category.
Board of Directors
P Jayarama Bhat
Non Executive Chairman
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Ashok HaranahalliBengaluru
Advocate
Rammohan Rao Belle Bengaluru
Former MD & CEO, SBI Gen. Insu. Co. Ltd
B A PrabhakarBengaluru Former Chairman & MD of Andhra Bank
U R Bhat
Mumbai
Investment Adviser & Columnist
Keshav Krishnarao Desai
Hubballi
Businessman
D. Surendra Kumar,
Shri Kshethra Dharmastala,
Dakshina Kannada
Educationist
Mahabaleshwara M S
Managing Director & CEO
Mrs Mythily Ramesh,
Bengaluru
IT Professional and Co-Founder &CEO of NextWealth
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