Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q1 FY2026-27 Earnings Presentation
47 slides from Karur Vysya Bank's earnings presentation, Jul 20, 2026
Slide 1: Regulation 30 intimation letter to exchanges
Classification | REGULATORS IRC:F48:113:242:2026 20th July 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), Mumbai – 40
Slide 2: Investor Presentation Q1 FY 2026-27
Investor Presentation Q1 FY 2026-27
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 (₹ Crore) Business Advances Deposits 2,27,267 1,04,680 1,22,587 16 % YoY 6 % QoQ 6 % QoQ 15 % YoY 6 % QoQ 17 % YoY CASA Operating Profit Net Profit 33,776 Q1 → 1,096 Q1 → 756 15 % YoY 9 % QoQ 36 % YoY (12) % QoQ 45 % YoY 4 %
Slide 6: Performance metrics - Key Ratios
Performance metrics- Key Ratios Quarter ended Particulars Jun-26 Jun-25 Mar-26 (%) (%) (%) Cost of Deposits 5.45 5.77 5.41 Yield on Advances 10.01 ‡ 10.00 9.93 Cost of Funds 5.45 5.78 5.38 Yield on Funds 8.99 ‡ 8.87 8.92* Spread on Funds 3.54 ‡ 3.10 3.60 Net Interest Margin 4.26 ‡ 3.86 4.25* Cost to
Slide 7: Performance Metrics
Performance Metrics ROA % ROE % 17.79 1.93 2.10 2.11 2.05 20.48 20.55 20.24 1.72 17.94 1.81 16.28 16.76 1.73 1.63 15.98 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 FY-24 FY-25 FY-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 NIM % Cost to Income % 4.200 4.25 4.26 4.090 3.99 47.24 46.25 48.26 42.49
Slide 8: Performance Metrics
Performance Metrics ROA % Cost to Income % Yield on Funds & Cost of Funds % ROE % NIM % Yield On Advances & Cost of Deposits 8.93 Yield on Funds Cost of Funds 8.68 8.80 Yield on Advances Cost of Deposits 8.99 ‡ 9.95 10.15 8.87 8.67 * 8.73 8.92 † 9.86 5.61 5.56 10.00 9.76 * 9.93 10.01 ‡ 5.23 9.77 5.7
Slide 9: Profit & Loss Statement
Profit & Loss Statement (₹ Crore) Quarter ended Particulars Growth % Growth % Jun-26 Jun-25 Mar-26 (YoY) (QoQ) Net Interest Income 1,423 1,080 32 1,359 5 Other Income 442 447 (1) 616 (28) - Fee income 270 251 8 280 (4) - Others 172 196 (12) 336 (49) Total Income 1,865 1,527 22 1,975 (6) Operating Ex
Slide 10: Balance Sheet
Balance Sheet (₹ Crore) Particulars Jun-26 Jun-25 YoY (%) Total Assets Capital & Liabilities 1,44,364 Capital 193 161 20 1,35,567 1,36,604 1,30,099 1,25,371 Reserves and Surplus 14,739 12,285 20 Deposits 1,22,587 1,06,650 15 Borrowings 2,077 1,843 13 Other Liabilities and Provisions 4,768 4,432 8 Ju
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 Jun-26 Jun-25 Mar-26 Risk Weighted Assets (INR crores) CRAR (%) 18.61 17.36 18.76 Total capital 15,011 12,054 14,199 80,661 75,697 66,261 61,125 Tier I capital 14,500 11,336 13,416 49,084 Tier II capital 511 718 783 RWA 80,661 69,441 75,697 Credit risk 70,160 5
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 17 % YoY & Deposits 15 % YoY 12
Slide 14: Advances and Deposits
Advances and Deposits (₹ Crore) STRONG BALANCE SHEET GROWTH: ADVANCES 17 % YOY, DEPOSITS 15 % YOY Advances Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % 1,04,680 98,754 98,754 97,052 84,491 92,724 89,374 74,423 Deposits 1,22,587 1,06,650 15 1,15,666 6 Gross Advances 1,04,680 89,374 17 98,754 6 Total
Slide 15: Liability Franchise: Predominantly Retail
Liability Franchise │ Predominantly Retail Deposit Breakup Term Deposit-Amount wise* 80 % of Total Term Deposits* are < Rs.5 Cr Savings Deposits 18.67% ≥ Rs.5 Cr 20% ≥ Rs.1 Cr Demand to < Rs.5 Deposits 8.88% ≥ Rs.15 Lakhs to < Rs.1 Cr < Rs.15 Term Deposits Lakhs 72.45% 48% Deposit Per Branch Deposit
Slide 16: Consistent and Credible Progress: RAM-led Growth Continues
Consistent and Credible Progress │ RAM- led Growth Continues (₹ Crore) Advance Mix Jun-26 Jun-25 YoY % Mar-26 QoQ % RAM Advances Commercial 36,459 32,311 13 34,279 6 90,324 Retail (Personal Banking) 27,770 22,543 23 26,197 6 85,260 83,388 79,846 Agriculture 26,095 21,708 20 24,784 5 76,562 RAM Verti
Slide 17: Retail Portfolio: Retail Growth Anchored by Secured Products
Retail Portfolio │ Retail Growth Anchored by Secured Products (₹ Crore) Retail Advances grew by 23 % YoY to ₹ 27,770 cr Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % Housing loan 8,120 8,232 (1) 8,163 (1) Retail-Jewel loans 6,252 4,240 47 5,560 12 Mortgage (LAP) loans 10,041 6,583 53 9,222 9 Vehicle
Slide 18: Commercial Banking
Commercial Banking (₹ Crore) Commercial Advances 36,459 1 2 3 4 34,347 34,279 32,311 33,209 MSME Bank of the Average Ticket size of Year-Private Winner Commercial Commercial book at and Best SME Advances grown by account level 66 % of Commercial lending-Runner Up at 6% QoQ increased from Rs. loans a
Slide 19: Jewel loan Portfolio
Jewel loan Portfolio │Jewel Loans Continue to Scale with Controlled Risk Metrics Jewel loan Composition Jewel Loan movement in Tandem Strong Growth: AGRI JEWEL LOAN NON-AGRI JEWEL LOAN 35,000 31,368 31% 29,492 Jewel Loan portfolio grown by 27% YoY and 6% QoQ 30,000 27,728 30% 26,134 24,798 7,474 25,
Slide 20: Corporate Banking
Corporate Banking (₹ Crore) Corporate Book Internal Rating Distribution Of Corporate Book Particulars Jun-26 Jun-25 YoY % Mar-26 QoQ % A & above BBB BB <BB 3% 3% 3% 3% 2% Corporate 14,356 12,812 12 13,494 6 28% 28% 28% 28% 27% Advances 39% 40% 41% 43% 44% Corporate Credit 1,289 497 159 1,118 15 Subs
Slide 21: Investment Portfolio
Investment Portfolio │Steady growth, Stable yields, Conservative risk positioning (₹ Crore) Gross Investment Yield on Investment-Q1 Modified Duration ₹ 29,575 Cr 6.83 % 3.82 Years Gross Investments (Rs. crore) Portfolio Mix Duration Gross Investments (Rs. crore) Portfolio Mix HFT FVTPL 1.31% 4.81% 3
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 with GNPA 0.74% and NNPA 0.19%
Asset Bank Quality high Maintaining Remains high with Asset Quality withGNPA 0.74% GNPA 0.76 and % and NNPA NNPA 0.190.19 % % GNPA NNPA Quarterly Slippage Ratio Quarterly Credit Cost ₹ 772 Cr ₹ 196 Cr 0.53 % 0.33 % 0.74 % 0.19 % NPA Trend % GNPA Movement –Q1 FY27 Slippage and Credit Cost % Slippage
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 % 0.42 % 96.21 % 74.31 % Of Total Assets Of Total Advances PCR and Market PCR % Stress Book Trend Provision Coverage Ratio % Market PCR (excl t
Slide 25: Provisions breakup
Provisions breakup (₹ Crore) Quarter ended Particulars Jun-26 Jun-25 Mar-26 NPA 68 114 116 Standard Assets 22 21 7 Restructured and other Advances (4) (15) (10) Other prudential provisions - - 163 NPI and others 4 (2) (18) Total Provisions (excl. Tax) 90 118 258 Tax Provision 250 166 264 Total Provi
Slide 26: Movement of NPA - Quarterly
Movement of NPA -Quarterly (₹ Crore) Particulars Jun-26 Jun-25 Mar-26 Gross NPAs Opening Balance 744 642 687 Additions during the period (+) 138 (+) 188 (+) 187 Reductions during the period (-) 110 (-) 237 (-) 130 -Of which 60 70 67 Recoveries/Upgradation Write offs/Tech Write offs 50 167 63 Closing
Slide 27: Vertical wise NPA
Vertical wise NPA (₹ Crore) NPA Reduction Q1 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Jun-26 Mar-26 Q1 Recoveries / Jun-26 Jun-26 Jun-26 Tech W/off upgradation Commercial 36,459 275 90 35 7 323 179 144 Retail (Personal Banking) 27,770 121 38 22 19 118 80 38 Agricul
Slide 28: 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 27
Slide 29: Advances-Sectoral Composition
Advances-Sectoral Composition Gross Advance of Rs. 1,04,680 Cr Breakup of Manufacturing Sector of Rs. 21,497 Cr (21%) Gems and Basic Metal and Metal Paper and Wood Jewellery, 1% Products, 1% Agri-jewel products, 1% 23% All Engineering, 1% Bills 1% Others 14% Mining and Quarrying, Agri (excluding Jew
Slide 30: Restructured Accounts
Restructured Accounts (₹ Crore) Jun-26 Jun-25 Mar-26 Restructured Accounts -Scheme wise Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 220 6 279 15 229 7 COVID 19 - Resolution Framework 121 1 164 2 127 1 MSME 46 1 63 1 47 1 Others* - 4 - 12 - 12 Total 387 11 506 30 403 20 * Others
Slide 31: Movement of Standard Restructured Advances for the Year
Movement of Standard Restructured Advances for the Year (₹ Crore) O/s Balance of Standard Restructured Advances Jun-26 Jun-25 Quarterly Movement No. of No. of Amt. Amt. Borrowers Borrowers Position at the beginning of the period 1,167 403 1,556 537 976 A. Additions during the period - - - - 715 B. A
Slide 32: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (₹ Crore) Amount S. N. Sectors Jun-26 Jun-25 1 Housing 143 173 2 Real Estate 65 88 3 Wholesale and Retail Trade 12 26 4 Textile 34 37 5 Personal 14 20 6 Infrastructure 7 10 7 Hotels and Restaurants 19 25 8 All Engineering 3 5 9 Food & Food Processing 10 11
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 KVB DLite Mobile Banking app App 4.8 4.6 Rating 7M+ 1.3M+ Total Monthly Active Downloads Users 2.3M Monthly avg. Transactions Enhanced Features ❖ Enhanced UI ❖ Easy Navigation ❖ Seamless Login ❖ Pay to Contacts ❖ Search Button ❖ Single pay button ❖ Dynamic Offers ❖ Instant Video KYC ❖
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 Omni channel Marketing Tool Instant VKYC in DLite A unified platform enabling Real time Video-based KYC seamless customer engagement verification integrated in DLite across multiple Digital channels app for quick on
Slide 37: Digital Migration
Digital Migration Growth in Digital Transactions YoY Branch vs digital transactions (in lakhs) 6000.00 5046.85 99% 5000.00 4498.07 4721.21 4431.95 97% 97% 98% 4000.00 97% 96% 95% 3000.00 93% 91% 2000.00 89% 1000.00 87% 156.54 174.88 131.93 129.34 0.00 85% 2025-2026 Q2 2025-2026 Q3 2025-2026 Q4 2026-
Slide 38: PAN India presence with strong regional network
PAN India presence with strong regional network Category Jun-26 Mar-26 Mar-25 Branches 903 901 888 ATM’s + Cash Recycler’s 2,169 2,213 2,252 5 1 Branch Other 6 1 Category BBU CBU ARB Count offices 12 7 Metro 229 9 10 8 1 Urban 182 3 1 1 Semi Urban 355 1 1 Rural 137 4 Total 903 9 14 8 1 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
Awards and Accolades 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 ❑ Cyber Security team of the year- Winner ❑ Cyber Resilience team of the year- Winner ❑ Identity
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: Embedding ESG into Core Banking Strategy
ESG Highlights │ Embedding ESG into Core Banking Strategy Environment Social • 39,303 kwh of Solar energy generated from rooftop • During the reporting period, the bank has conducted 95 installations at various Divisional Offices and Branches Financial Literacy Campaigns benefiting 1140 individuals
Slide 43: ESG Highlights: Embedding ESG into Core Banking Strategy
ESG Highlights │ Embedding ESG into Core Banking Strategy Inauguration of Sponge Park in Chennai bank’s another meaningful step in our commitment to building stronger, more sustainable communities. Sponge Park facilitates naturally managing stormwater, reducing flooding and recharging ground water t
Slide 44: 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 45: Shareholding pattern External Ratings
Shareholding pattern External Ratings External ratings Share Holding as on 31 March 2026 Rating Agency Instrument Ratings Promoter group 2.07% A1+ Certificate of Deposit Others ( Reaffirmed) 5.22% AA (Stable) Issuer Rating Mutual Funds ( Reaffirmed) 31% Resident Individuals 35.51% A1+ Certificate of
Slide 46: 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 47: Thank You
Thank You www.kvb.bank.in 46
Karur Vysya Bank — Q1 FY2026-27 Earnings Presentation on 6ix