Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q2 FY2025-26 Earnings Presentation
40 slides from Karur Vysya Bank's earnings presentation, Oct 17, 2025
Slide 1: Intimation under Regulation 30 - Investor Presentation cover letter
Classification | REGULATORS IRC:F48:171:349:2025 October 17, 2025 The Manager, The Manager, National Stock Exchange of India Ltd, BSE Limited, Exchange Plaza, 5th Floor, Phiroze Jeejeebhoy Towers, Plot No. C-1, ‘G’ Block, Dalal Street, Bandra- Kurla Complex, Mumbai – 400001. Bandra (East), Mumbai –
Slide 2: Investor Presentation Q2 FY 2025-2026
Investor Presentation Q2 FY 2025-2026
Slide 3: Safe Harbor Statement
Safe Harbor Statement This presentation has been prepared by Karur Vysya Bank Limited (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank and the information contained herein is only current as of its date and has not been verifi
Slide 4: Quarter In focus
‘vB) Quarter In focus
Slide 5: PAN India presence with strong regional network
PAN India presence with strong regional network Strang presence in India’s fast growing hinterland Category Sep-25 Mar-25 Mar-24 Branches 895 888 838 ATM’s + Cash Recyclers 2,225 2,252 2,262 No. of Other Category BBU CBU ARB Branches offices Metro 226 10 9 8 8 Urban 179 3 - - - Semi Urban 354 1 - -
Slide 6: Financial Highlights
Financial Highlights (Rs. crore) Business 2,03,216 Advances 92,724 15 % YOY 4 % QOQ 15 % YOY 4 % QOQ Deposits 1,10,492 CASA 30,555 15 % YOY 4 % QOQ 8 % YOY 4 % QOQ Operating NIM (%) H1 → 3.82* Q2 → 3.77* Profit H1→ 1,823 Q2→1,017 (31) bps YOY (9) bps QOQ 17 % YOY 26 % QOQ Net Profit H1→ 1,095 Q2→ 57
Slide 7: Performance metrics- Key Ratios
Performance metrics- Key Ratios Quarter Half year Particulars Sep-25 Sep-24 Sep-25 Sep-24 Cost of Deposits (%) 5.60 5.56 5.69 5.52 Yield on Advances (%) 9.76* 10.10 9.88* 10.11 Cost of Funds (%) 5.63 5.55 5.70 5.52 Yield on Funds (%) 8.67* 8.89 8.77* 8.87 Spread (%) 3.04* 3.34 3.07* 3.36 Net Interes
Slide 8: Quarterly Performance metrics
Quarterly Performance metrics ROA% ROE % NIM % Cost to Income % 1.81 17.36 17.42 17.21 17.94 46.72 47.27 47.77 47.24 1.74 1.73 1.73 16.76 4.12 4.04 4.05 42.63 1.72 3.86 3.77* Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25
Slide 9: Profit & Loss Statement
Profit & Loss Statement (Rs. crore) Quarter Half year Particulars Growth % Growth % Sep-25 Sep-24 Sep-25 Sep-24 (YOY) (YOY) Net Interest Income 1,261 1,062 19 2,341 2,089 12 Other Income 512 470 9 959 855 12 - Fee income 253 230 10 504 469 7 - Others 259 240 8 455 386 18 Total Income 1,773 1,532 16
Slide 10: Balance Sheet
Balance Sheet (Rs. crore) Particulars Sep-25 Sep-24 YOY (%) Total Assets Capital & Liabilities 130,099 125,371 Capital 193 161 20 112,236 116,373 119,367 Reserves and Surplus 12,603 10,739 17 Deposits 1,10,492 95,839 15 Borrowings 2,517 1,418 78 Other Liabilities and Provisions 4,294 4,079 5 Total 1
Slide 11: Capital Adequacy
Capital Adequacy (Rs. crore) Particulars Sep-25 Sep-24 Jun-25 Risk Weighted Assets (INR crores) CRAR % 16.58 16.28 17.36 Total capital 12,023 10,299 12,054 72,498 66,261 Tier I capital 11,296 9,735 11,336 61,125 49,084 Tier II capital 727 564 718 42,212 RWA 72,498 63,263 69,441 Credit risk 62,778 54
Slide 12: Driving growth across verticals
Driving growth across verticals 11
Slide 13: Advances and Deposits
Advances and Deposits (Rs. crore) Parameter Sep-25 Sep-24 YOY % Jun-25 QOQ % Mar-25 YTD % Advances Deposits 1,10,492 95,839 15 1,06,650 4 1,02,078 8 92,724 89,374 82,838 84,491 Gross 80,299 92,724 80,299 15 89,374 4 84,491 10 Advances Total 2,03,216 1,76,138 15 1,96,024 4 1,86,569 9 Business Deposit
Slide 14: Consistent and Credible Progress
Consistent and Credible Progress (Rs. crore) Parameter Sep-25 Sep-24 YOY % Jun-25 QOQ % RAM Advances Commercial 33,209 28,688 16 32,311 3 79,846 Retail 76,562 24,023 19,685 22 22,543 7 72,444 (Personal Banking) 70,005 Agriculture 22,614 18,838 20 21,708 4 67,211 RAM Verticals 79,846 67,211 19 76,562
Slide 15: Retail Portfolio
Retail Portfolio (Rs. crore) Particulars Sep-25 Sep-24^ YOY % Jun-25 QOQ % Housing loan 8,289 7,802 6 8,232 1 Jewel loans 4,800 2,841 69 4,240 13 Mortgage (LAP) loans 7,413 5,280 40 6,583 13 Vehicle loans 929 1,107 (16) 982 (5) Consumer Credit-BNPL* 904 1,030 (12) 822 10 Personal loans 251 286 (12)
Slide 16: Commercial Banking
Commercial Banking (Rs. crore) Ticket size of Commercial book 18% 14% • Average Ticket size of Commercial book at account level 68% - Rs. 66.10 lakh • 68% of Commercial loans are less than Rs. 5 Cr < 5 crore ≥ 5 crore < 10 crore ≥ 10 crore 15
Slide 17: Jewel loan Portfolio
Jewel loan Portfolio (Rs. crore) % of 26% 26% 28% 28% 28% Advance 26,134 SMA 30+ 24,798 LTV ( %) 23,301 Category Amount 21,934 20,878 Sep-25 Sep-24 Jun-25 Agri Jewel loan 20,590 10 16 20 57.72 Non-Agri Jewel 5,544 7 13 15 51.53 loan Total 26,134 17 29 35 56.41 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Incl
Slide 18: Corporate Banking
Corporate Banking (Rs. crore) Corporate Book Risk Profile of Corporate Book 3% 3% 3% 3% 3% Particulars Sep-25 Sep-24 YOY % Jun-25 QOQ % 28% 28% 28% 28% 28% Corporate 12,878 13,088 (2) 12,812 1 Advances 36% 36% 37% 39% 40% Corporate Credit 1,080 - - 497 117 Substitutes 33% 33% 32% 30% 29% Total 13,95
Slide 19: Advances-Sectoral composition
Advances-Sectoral composition Gross Advance of Rs. 92,724 Cr Breakup of Manufacturing Sector of Rs. 19,660 cr (21%) All Engineering, Mining and 1% Quarrying, 1% Bills 2% Chemical and Chemical Agri (excluding Jewel) products, 1% Others, 2% Agri-jewel 2% Others Construction, 1% Textiles, 5% 22% 13% NB
Slide 20: Liability Franchise : Predominantly Retail
Liability Franchise : Predominantly Retail Deposit Breakup Term Deposit-Amount wise* Savings Deposits, 20% 18.80% 12% Demand Deposits, 8.85% 20% Term Deposits, 48% 72.35% Sustained Momentum in CASA < Rs.15 Lakhs ≥Rs.15 Lakhs to <Rs.1 Cr ≥Rs.1 Cr to < Rs.5 Cr ≥ Rs.5 Cr Growth and Mix 80 % of Total Te
Slide 21: Investment Portfolio
Investment Portfolio Gross Investments (Rs. crore) Investment Category Modified Duration 28,198 HFT, 1.85% FVTPL, 25,308 25,774 1.42% 23,564 24,206 AFS, 21.65% AFS HFT HTM FVTPL Total HTM, 3.58 6.13 3.59 4.44 3.63 75.08% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Yield on Investments-Quarterly Investment Co
Slide 22: Disciplined approach to Reduce stressed assets
Disciplined approach to Reduce stressed assets 21
Slide 23: Movement of NPA - Quarterly
Movement of NPA -Quarterly (Rs. crore) Particulars Sep-25 Sep-24 Jun-25 Gross NPAs Opening Balance 593 1,025 642 Additions during the period (+) 350 (+) 181 (+) 188 Reductions during the period (-) 235 (-) 320 (-) 237 -Of which 84 100 70 Recoveries/Upgradation Write offs/Tech Write offs 151 220 167
Slide 24: Vertical wise NPA
Vertical wise NPA (Rs. crore) NPA Reduction Q2 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Sep-25 Jun-25 Q2 Recoveries / Sep-25 Sep-25 Sep-25 Tech W/off upgradation Commercial 33,209 283 68 56 81 214 121 93 Retail (Personal Banking) 24,023 149 38 22 10 155 104 51 Agri
Slide 25: Bank Maintaining high Asset Quality with GNPA 0.76 % and NNPA 0.19 %
Bank Maintaining high Asset Quality with GNPA 0.76 % and NNPA 0.19 % (Rs. crore) 3,431 (Rs. crore) Slippage Ratio % 2,132 1.48% 1,458 1.16% 1,261 957 1,042 730 0.75% 0.67% 642 708 0.57% 468 474 531 298 166 176 Mar-22 Mar-23 Mar-24 Mar-25 Sep-25 Mar-22 Mar-23 Mar-24 Mar-25 Sep-25 Gross NPA NPA Provis
Slide 26: Provisions and Contingencies
Provisions and Contingencies (Rs. crore) Quarter Half year Particulars Sep-25 Sep-24 Sep-25 Sep-24 NPA 261 155 375 255 Standard Assets 10 10 30 23 Restructured and other Advances (18) (9) (32) (14) Other prudential provisions - 25 - 50 NPI and others 21 - 20 - Total Provisions (excl. Tax) 274 181 39
Slide 27: Restructured Accounts
Restructured Accounts (Rs. crore) Sep-25 Sep-24 Jun-25 Restructure -Scheme wise Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 264 6 371 45 279 15 COVID 19 - Resolution Framework 146 2 184 17 164 2 MSME 58 1 76 3 63 1 Others* - 12 - 11 - 12 Total 468 21 631 76 506 30 * Others incl
Slide 28: Movement of Standard Restructured Advances for the Quarter
Movement of Standard Restructured Advances for the Quarter (Rs. crore) Sep-25 Sep-24 Particulars No. of No. of Amt. Amt. O/s Balance of Standard Restructured Borrowers Borrowers Position at the beginning of the Advances 1,466 506 1,819 663 period A. Additions during the period - - - - 631 608 B. Add
Slide 29: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (Rs. crore) Stressed Book Analysis Amount S. N. Sectors Sep-25 Sep-24 Total Stressed 850 775 703 706 674 assets 1 Housing 166 198 2 Real Estate 82 124 % of Total Assets 0.76 0.67 0.59 0.54 0.52 3 Wholesale and Retail Trade 17 36 - - 4 Textile 35 39 Net SR -
Slide 30: Building a Strong digital ecosystem
Building a Strong digital ecosystem 29
Slide 31: KVB DLite Mobile banking App
DLite Banking KVB DLite Mobile banking App 4.8 4.5 6.7 M + 2.3 M + 1.3 M + 4.1 L Total Monthly Monthly Accounts Downloads Transactions Active Users Opened Enhanced Features Enhanced UI Easy Navigation Seamless Login Pay to Contacts Search within App Single pay button Dynamic Offers Instant Video KYC
Slide 32: Digital Banking
Digital Banking Digital Initiatives Omni Channel Marketing tool for customer communication Count of UPI Transactions (Quarterly) (in lakhs) A unified platform enabling seamless customer engagement across multiple digital channels. 3970 3733 Instant VKYC in DLite 3374 3553 3264 Real-time video-based
Slide 33: Awards and Accolades
Awards and Accolades Indian Chamber of Commerce (ICC) Banking awards Best bank -Winner Private sector Bank ( Mid size) Best Performance on Asset quality- Winner Private sector Bank ( Mid size) IBA CISO Summit 2025 Cyber Security team of the year Winner Cyber Security Incident Response Cyber Security
Slide 34: Digital Partnerships
Digital Partnerships ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 33
Slide 35: Environmental Social Governance
Environmental Social Governance 34
Slide 36: ESG Highlights – Environmental & Social
ESG Highlights – Environmental & Social KVB Bhoomi Project: KVB Deploys Taking Science Beyond Textbooks: Transforming Lives through Skills and Battery-Operated Vehicle at Palani Creating Mini science centers at Govt Sustainability: Supporting women Murugan Temple Schools entrepreneurs with pushcarts
Slide 37: Governance
Governance 10-Board Level Committees 11 1 Nomination and Remuneration Committee Directors 2 Audit Committee of the Board 8- Non-Executive 2-Executive 1-Non-Executive 3 Risk Management & Asset Liability Independent Directors Non independent Management Committee Directors Director 4 NPA Management Com
Slide 38: Shareholding pattern External Ratings
Shareholding pattern External Ratings Shareholding as on Sep 30,2025 Rating Agency Instrument Ratings Promoter group, A1+ Certificate of Deposit 2.10 % ( Reaffirmed) Mutual Fund, AA (Stable) Issuer Rating 32.16 % ( Reaffirmed) Resident Individual, 37.21 % A1+ Certificate of Deposits Insurance (Reaff
Slide 39: Decade of Sustained Growth
Decade of Sustained Growth (Rs. crore) Year 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 Paid up Capital 107 122 122 122 145 160 160 160 160 160 161 161 Reserves 3,219 4,124 4,451 4,723 6,066 6,205 6,440 6,760 7,308 8,264 9,687 11,559 Owned funds 3,
Slide 40: Thank You
‘vB) Smart way to bank Thank You www.kvb.co.in
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