Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q2 FY2026-27 Earnings Presentation
48 slides from Karur Vysya Bank's earnings presentation, Oct 15, 2026
Slide 1: Regulation 30 intimation cover letter to exchanges
Classification | REGULATORS IRC: F48 :157 :355 :2026 15th October 2026 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), Mumba
Slide 2: Investor Presentation Q2 FY 2026-2027
Investor Presentation Q2 FY 2026-2027
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: Financial Highlights & KPI's
01 02 03 04 05 06 01 Financial Highlights & Capital Balance sheet Asset Other Financial Digital Banking KPI’s Adequacy Growth Quality Information and ESG Consistent Growth with Sustained Profitability and Asset Quality 3
Slide 5: Financial Highlights: Profitability improves; Asset quality remains strong
Financial Highlights │ Profitability improves; Asset quality remains strong Business Advances Deposits 2,39,712 1,11,589 1,28,123 18 % YoY 5 % QoQ 20 % YoY 7 % QoQ 16 % YoY 5 % QoQ CASA Operating Profit Net Profit 35,265 H1 → 2,258 Q2 → 1,162 H1 → 1,543 Q2 → 788 15 % YoY 4 % QoQ 24 % YoY 6 % QoQ 41
Slide 6: Performance metrics - Key Ratios
Performance metrics- Key Ratios Quarter ended Half year Particulars Sept-26 Sept-25 Sept-26 Sept-25 (%) (%) (%) (%) Cost of Deposits 5.49 5.60 5.47 5.69 Yield on Advances 10.09^ 9.76* 10.05# 9.88* Cost of Funds 5.51 5.63 5.48 5.70 Yield on Funds 9.06^ 8.67* 9.02# 8.77* Spread on Funds 3.55^ 3.04* 3.
Slide 7: Profitability Metrics
Profitability Metrics ROA % ROE % 17.79 1.93 20.48 20.55 20.47 1.72 20.24 16.28 2.05 2.10 2.11 2.10 1.63 15.98 1.81 17.94 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 NIM % Cost to Income % 4.20 4.25% 4.26% 4.26% 4.09 48.26 42.63 3.97 42.4
Slide 8: Performance Metrics
Performance Metrics ROA % Cost to Income % Yield on Funds & Cost of Funds % ROE % Yield On Advances & Cost of Deposits Yield on Funds Cost of Funds 8.68 8.93 8.80 Yield on Advances Cost of Deposits 8.73 8.92 8.99 9.06 9.95 10.15 9.86 8.67 10.09 9.76 9.77 9.93 10.01 5.61 5.56 5.23 5.63 5.47 5.38 5.45
Slide 9: Profit & Loss Statement
Profit & Loss Statement (₹ Crore) Quarter ended Half year Particulars Growth % Growth % Sept-26 Sept-25 Sept-26 Sept-25 (YoY) (YoY) Net Interest Income 1,497 1,261 19 2,920 2,341 25 Other Income 435 512 (15) 877 959 (9) - Fee income 290 253 15 561 504 11 - Others 145 259 (44) 316 455 (31) Total Inco
Slide 10: Balance Sheet
Balance Sheet (₹ Crore) Particulars Sept-26 Sept-25 YoY (%) Total Assets Capital & Liabilities 1,50,831 1,44,364 Capital 193 193 - 1,35,567 1,36,604 1,30,099 Reserves and Surplus 15,200 12,603 21 Deposits 1,28,123 1,10,492 16 Borrowings 2,321 2,517 (8) Other Liabilities and Provisions 4,994 4,294 16
Slide 11: Capital Adequacy
01 03 04 05 06 02 Capital Financial Adequacy Balance sheet Asset Other Financial Digital Banking Highlights & Growth Quality Information and ESG KPI’s Capital position remains comfortable to support growth 10
Slide 12: Capital Adequacy
Capital Adequacy (₹ Crore) Particulars Sept-26 Sept-25 Jun-26 Risk Weighted Assets (INR crores) CRAR (%) 17.97 16.58 18.61 87,495 Total capital 15,725 12,023 15,011 75,697 66,261 Tier I capital 15,154 11,296 14,500 61,125 49,084 Tier II capital 571 727 511 RWA 87,495 72,498 80,661 Credit risk 76,992
Slide 13: Balance sheet Growth
01 02 04 05 06 03 Balance sheet Financial Highlights & Capital Adequacy Growth Asset Quality Other Financial Digital Banking Information and ESG KPI’s Strong Balance sheet Growth: Advances up by 20 % YoY & Deposits 16 % YoY 12
Slide 14: Advances and Deposits
Advances and Deposits (₹ Crore) STRONG BALANCE SHEET GROWTH: ADVANCES 20 % YOY, DEPOSITS 16 % YOY Advances 1,11,589 Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % 1,04,680 98,754 97,052 98,754 92,724 84,491 74,423 Deposits 1,28,123 1,10,492 16 1,22,587 5 Gross Advances 1,11,589 92,724 20 1,04,680 7
Slide 15: Liability Franchise: Predominantly Retail
Liability Franchise │ Predominantly Retail Deposit Breakup Term Deposit-Amount wise* 78 % of Total Term Deposits* are < Rs.5 Cr Savings Deposits 18.56% Demand Deposits 8.96% ≥ Rs.5 Cr ≥ Rs.1 Cr to < Rs.5 Cr 22% 13% Term Deposits 72.48% ≥ Rs.15 Lakhs to < Rs.1 Cr < Rs.15 Lakhs Deposit split by type 2
Slide 16: Consistent and Credible Progress: RAM-led Growth Continues
Consistent and Credible Progress │ RAM- led Growth Continues (₹ Crore) Advance Mix Sept-26 Sept-25 YoY % Jun-26 QoQ % RAM Advances Commercial 39,407 33,209 19 36,459 8 95,576 Retail (Personal 90,324 29,024 24,023 21 27,770 5 83,388 85,260 Banking) 79,846 Agriculture 27,145 22,614 20 26,095 4 RAM Ver
Slide 17: Retail Portfolio: Growth Anchored by Secured Products
Retail Portfolio │ Retail Growth Anchored by Secured Products (₹ Crore) Retail Advances grew by 21 % YoY to ₹ 29,024 Cr Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % Housing loan 8,123 8,289 (2) 8,120 - Retail-Jewel loans 6,193 4,800 29 6,252 (1) Mortgage (LAP) loans 11,264 7,413 52 10,041 12 Vehic
Slide 18: Commercial Banking
Commercial Banking (₹ Crore) Commercial Advances 39,407 1 2 3 4 36,459 34,347 34,279 MSME Bank of the Average Ticket size 33,209 Year-Private Winner of Commercial book and Best SME Commercial Advances grown by at account level 67 % of Commercial lending-Runner Up increased from Rs. 8% QoQ loans are
Slide 19: Jewel Loan Portfolio
Jewel loan Portfolio │Jewel Loans Continue to Scale with Controlled Risk Metrics Jewel loan Composition Jewel Loan movement in control Jewel Loan portfolio grown by 23.03 % YoY and 2.5% QoQ 35000 31,368 32,154 31% 7,266 29,492 7,474 30000 27,728 30% 6,788 26,134 6,093 25000 30% 30% 5,544 30% 20000 2
Slide 20: Corporate Banking
Corporate Banking (₹ Crore) Corporate Book Internal Rating Distribution Of Corporate Book A & above BBB BB <BB Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % 3% 3% 3% 2% 2% 28% 28% 28% 27% 26% Corporate Advances 17,190 12,878 24 14,356 12 40% 41% 43% 44% 44% Corporate Credit 1,790 1,080 66 1,289 39
Slide 21: Investment Portfolio
Investment Portfolio │Steady growth, Stable yields, Conservative risk positioning (₹ Crore) Gross Investment Yield on Investment-Q2 Modified Duration ₹ 28,104 Cr 6.79 % 4.14 Years Gross Investments (Rs. crore) Portfolio Mix Duration Gross Investments (Rs. crore) Portfolio Mix 30,156 HFT FVTPL 29,394
Slide 22: Asset Quality
01 02 03 05 06 04 Asset Financial Highlights & Capital Balance sheet Quality Other Financial Information Digital Banking and ESG Adequacy Growth KPI’s NPA remains low and Consistent 21
Slide 23: Asset Quality Remains High
Asset Bank Quality high Maintaining Remains high with Asset Quality withGNPA 0.69% GNPA 0.76 and % and NNPA NNPA 0.190.18 % % GNPA NNPA Quarterly Slippage Ratio Quarterly Credit Cost ₹ 765 Cr ₹ 199 Cr 0.44 % 0.43 % 0.69 % 0.18 % NPA Trend % GNPA Movement Q2 FY27 Slippage and Credit Cost % Slippage R
Slide 24: Strong provisioning and controlled stress
Strong Bank provisioning Maintaining and high Asset controlled Quality stress with GNPA 0.76 % and NNPA 0.19 % PCR Market PCR SMA 30+ Stress Book Ratio 0.22 % 0.40 % 96.13 % 73.72 % Of Total Assets Of Total Advances Stress Book Trend PCR and Market PCR % Stress Book Sep-25 Dec-25 Mar-26 Jun-26 Sep-2
Slide 25: Provisions breakup
Provisions breakup (₹ Crore) Quarter ended Half year Particulars Sep-26 Sep-25 Sep-26 Sep-25 NPA 45 261 113 375 Standard Assets 27 10 48 30 Restructured and other Advances 21 (18) 18 (32) Floating provisions 25 - 25 - NPI and others - 21 4 20 Total Provisions (excl. Tax) 118 274 209 393 Tax Provisio
Slide 26: Movement of NPA - Quarterly
Movement of NPA -Quarterly (₹ Crore) Particulars Sep-26 Sep-25 Jun-26 Gross NPAs Opening Balance 772 593 744 Additions during the period (+) 123 (+) 350 (+) 138 Reductions during the period (-) 129 (-) 235 (-) 110 -Of which 75 84 60 Recoveries/Upgradation Write offs/Tech Write offs 54 151 50 Closing
Slide 27: Vertical wise NPA
Vertical wise NPA (₹ Crore) NPA Reduction Q2 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Sep-26 Jun-26 Q2 Recoveries / Sep-26 Sep-26 Sep-26 Tech W/off upgradation Commercial 39,406 323 65 50 4 335 198 135 Retail (Personal Banking) 29,024 118 48 20 8 139 87 52 Agricult
Slide 28: Restructured Accounts
Restructured Accounts (₹ Crore) Restructured Accounts -Scheme Sep-26 Sep-25 Jun-26 wise Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 207 6 264 6 220 6 COVID 19 - Resolution Framework 121 1 146 2 121 1 MSME 45 0 58 1 46 1 Others* - 4 - 12 - 4 Total 373 11 468 21 387 11 * Others i
Slide 29: Movement of Standard Restructured Advances for the Year
Movement of Standard Restructured Advances for the Year (₹ Crore) O/s Balance of Standard Restructured Advances Sep-26 Sep-25 Quarterly Movement No. of No. of Amt. Amt. Borrowers Borrowers Position at the beginning of the period 1,111 387 1,466 506 1,640 A. Additions during the period - - - - 13 - 5
Slide 30: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (₹ Crore) Amount S. N. Sectors Sep-26 Sep-25 1 Housing 138 166 2 Real Estate 61 82 3 Wholesale and Retail Trade 12 17 4 Textile 32 35 5 Personal 11 19 6 Infrastructure 6 10 7 Hotels and Restaurants 19 22 8 All Engineering 3 5 9 Food & Food Processing 9 10 1
Slide 31: Other Financial Information
01 02 03 04 06 05 Other Financial Capital Balance sheet Asset Financial Digital Highlights & Adequacy Growth Quality Banking and KPI’s Information ESG Additional Financial and Business Insights 30
Slide 32: Advances-Sectoral Composition
Advances-Sectoral Composition Gross Advance of Rs. 1,11,589 Cr Breakup of Manufacturing Sector of Rs. 23,028 Cr (21%) Agri-jewel Mining and Bills 24% Quarrying 1% Others Chemical and 1% Others 14% Chemical products 2% Agri (excluding Jewel) 1% 1% NBFC 3% Textiles 5% Manufacturing Non Agri jewel 21%
Slide 33: Digital Banking and ESG
01 02 03 04 05 06 Digital Financial Highlights & Capital Adequacy Balance sheet Asset Other Financial Information Banking and Growth Quality KPI’s ESG Digital Adoption Driving Scale, Efficiency and Customer Engagement 32
Slide 34: DLite Banking
DLite Banking UPI pin reset through Aadhaar Dlite-UPI Txn based on biometric Accounts Face Authentication Authentication Registrations Opened 33.11 L Users 4.24L Recent launches UPI Help 2.0(Transaction status Nominee and Appointee Details for check and track complaints) Social Security Schemes Avg
Slide 35: KVB Corp Mobile Banking app
KVB Corp Mobile App KVB Corp Mobile Banking app Enhanced Features Account Activities Tax Payments Account and Cheque related services Tax payment enquiry, Income tax and GST payments Loan Services Profile Management Corporate, Retail and Deposit loans Security & Login, Session summary, My Limits Pay
Slide 36: Digital Banking
Digital Banking Count of UPI Transactions (Quarterly) (in lakhs) Digital Initiatives DLite-UPI transaction based CRM Extending to Corporate & on Authentication Institutional Business Group 98% Transactions Served Digitally UPI Help 2.0 Online processing of NACH (Transaction status check and mandates
Slide 37: Digital Migration
Digital Migration Growth in Digital Transactions YoY Branch vs digital transactions (in lakhs) 6000.00 Total 5000.00 4,498 4,721 5,047 5,193 98% 99% 97% KVB DLite 4000.00 96% 97% 98% 95% Mobile Banking app 93% 15+ 3000.00 2000.00 91% 89% 2,353 App App 4.8 4.6 1000.00 174.88 131.93 129.34 131.67 87%
Slide 38: PAN India presence with strong regional network
PAN India presence with strong regional network Category Sep-26 Jun-26 Mar-26 Branches 921 903 901 ATM’s + Cash Recycler’s 2,192 2,169 2,213 5 1 Branch Other 7 1 Category CBU BBU ARB Count offices 12 7 Metro 236 9 10 8 8 Urban 185 3 1 1 Semi Urban 361 1 1 Rural 139 4 Total 921 9 14 8 8 14 BC Outlets
Slide 39: Digital Partnerships
Digital Partnerships │Strategic Partnerships driving Digital banking experience ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 38
Slide 40: Awards and Accolades received during H1-FY'27
Awards and Accolades received during H1-FY’27 6th edition of BFSI Excellence awards 2026- Collection & Recovery Edition-Quantic India ❑ Collections Transformation Leader of the Year (Banking) 5th IBA CISO Summit & Citations 2026 IBEX INDIA BFSI – Tech Awards 2026 ❑ Cyber Security team of the year- W
Slide 41: ESG Highlights: Embedding ESG into Core Banking Strategy
ESG Highlights │ Embedding ESG into Core Banking Strategy Integration of ESG in Risk Management IGBC Green Existing Building Certification Risk Management Framework: IGBC Platinum Certified: ESG considerations are integrated into the Bank's overall risk KVB Central Office awarded the prestigious Pla
Slide 42: ESG Highlights: Environment and Social
ESG Highlights │ Embedding ESG into Core Banking Strategy Environment Social • 38,546 kwh of Solar energy generated from • During the reporting period, the bank has rooftop installations at various Hyderabad conducted 91 Financial Literacy Campaigns Divisional Office, Namakkal Main Branch, Trichy be
Slide 43: ESG Highlights: Community projects
ESG Highlights │ Embedding ESG into Core Banking Strategy Palm Livelihood for Empowerment among Rural & Marginalized Communities The project strengthened livelihoods and resilience among palm-based communities. Vocational training for 20 women artisans, MSME registration for 51 participants, and saf
Slide 44: ESG Highlights: Sponge Park and skill building
ESG Highlights │ Embedding ESG into Core Banking Strategy Development of Sponge Park at Tambaram Integrating Skill Building and Entrepreneurship Development The Sponge Park at Mullai Nagar, Tambaram, 50 women from vulnerable backgrounds attracts around 300 visitors daily and acts as a have begun the
Slide 45: Governance: Disciplined Governance driven by Independent Board
Governance │ Disciplined Governance driven by Independent Board and Committees 9 Directors 11 Board Level Committees 1 Nomination and Remuneration Committee Non-Executive 2 Audit Committee of the Board 7 Independent Directors 2 Executive Directors 3 Women Directors 3 Risk Management & Asset Liabilit
Slide 46: Shareholding pattern External Ratings
Shareholding pattern External Ratings External ratings Share Holding as on 30 Sep 2026 Rating Agency Instrument Ratings Others Promoter group 4% 2% A1+ Certificate of Deposit ( Reaffirmed) Promoter group Mutual Funds Mutual Funds AA (Stable) Resident Issuer Rating Individuals 33% Insurance Companies
Slide 47: Decade of Sustained Growth
Decade of Sustained Growth (Rs. crore) Year 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26 Paid up Capital 122 145 160 160 160 160 160 161 161 193 Reserves 4,723 6,066 6,205 6,440 6,760 7,308 8,264 9,687 11,559 13,915 Owned funds 4,845 6,211 6,365 6,600 6,920 7,596 8
Slide 48: Thank You
Thank You www.kvb.bank.in 47
Karur Vysya Bank — Q2 FY2026-27 Earnings Presentation on 6ix