Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q1 FY2025-26 Earnings Presentation
39 slides from Karur Vysya Bank's earnings presentation, Jul 24, 2025
Slide 1: Regulation 30 intimation cover letter to exchanges
Classification | REGULATORS IRC:F48:109:226:2025 July 24, 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 – 400
Slide 2: Investor Presentation Q1 FY 2025-2026
Investor Presentation Q1 FY 2025-2026
Slide 3: Safe Harbor
Safe Harbor 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 verified by anyo
Slide 4: Quarter In focus
Quarter In focus 3
Slide 5: PAN India presence with strong regional network
PAN India presence with strong regional network 4
Slide 6: Financial Highlights
Financial Highlights (Rs. crore) Business 1,96,024 Advances 89,374 15% YoY 5% QoQ 15% YoY 6% QoQ Deposits 1,06,650 CASA 29,306 15% YoY 4% QoQ 5% YoY 5% QoQ NIM (%) 3.86 Operating 805 Profit 27 bps YoY 19 bps QoQ 8% YoY 3% QoQ Net Profit 521 ROA (%) 1.73 14% YoY 2% QoQ 3 bps YoY ---QoQ 16.76 00GNPA (
Slide 7: Performance metrics- Key Ratios
Performance metrics- Key Ratios Quarterly Particulars Jun-25 Jun-24 Mar-25 Cost of Deposits (%) 5.77 5.48 5.74 Yield on Advances (%) 10.00 10.12 10.21 Cost of Funds (%) 5.78 5.49 5.75 Yield on Funds (%) 8.87 8.86 9.03 Net Interest Margin (%) 3.86 4.14 4.05 Spread (%) 3.10 3.37 3.29 Cost to income (%
Slide 8: Quarterly Performance metrics
Quarterly Performance metrics ROA% ROE % NIM % Cost to Income % 1.74 4.14 4.12 4.04 4.05 1.70 1.72 1.73 1.73 3.86 47.20 46.72 47.27 47.77 47.24 17.33 17.36 17.42 17.21 16.76 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24
Slide 9: Profit & Loss Statement
Profit & Loss Statement (Rs. crore) Quarterly Particulars Growth % Growth % Jun-25 Jun-24 Mar-25 (YoY) (QoQ) Net Interest Income 1,080 1,027 5 1,089 (1) Other Income 447 385 16 509 (12) - Fee income 251 239 5 264 (5) - Others 196 146 34 245 (20) Total Income 1,527 1,412 8 1,598 (4) Operating Expense
Slide 10: Balance Sheet
Balance Sheet (Rs. crore) Particulars Jun-25 Jun-24 YoY (%) Total Assets Capital & Liabilities 1,25,371 1,16,373 1,19,367 Capital 161 161 - 1,08,766 1,12,236 Reserves and Surplus 12,285 10,425 18 Deposits 1,06,650 92,349 15 Borrowings 1,843 2,113 (13) Other Liabilities and Provisions 4,432 3,718 19
Slide 11: Capital to Risk Weighted Assets Ratio – Basel III
Capital to Risk Weighted Assets Ratio – Basel III (Rs. crore) Particulars Jun-25 Jun-24 Mar-25 Risk Weighted Assets (INR crores) CRAR % 17.36 16.47 18.17 69,441 66,261 Total capital 12,054 10,267 12,041 61,125 49,084 Tier I capital 11,336 9,713 11,344 42,212 Tier II capital 718 554 697 RWA 69,441 62
Slide 12: Driving growth across verticals
Driving growth across verticals 11
Slide 13: Advances and Deposits
Advances and Deposits (Rs. crore) Parameter Jun-25 Jun-24 YoY % Mar-25 QoQ % Advances Deposits 1,06,650 92,349 15 1,02,078 4 89,374 82,838 84,491 80,299 Gross 77,710 89,374 77,710 15 84,491 6 Advances Total Business 1,96,024 1,70,059 15 1,86,569 5 Deposit Portfolio Jun-24 Sep-24 Dec-24 Mar-25 Jun-25
Slide 14: Consistent and Credible Progress
Consistent and Credible Progress (Rs. crore) Particulars Jun-25 Jun-24 YoY % Mar-25 QoQ % RAM Advances 76,562 Commercial 32,311 27,083 19 30,730 5 72,444 70,005 Retail 67,211 22,543 18,840 20 20,896 8 (Personal Banking) 64,058 Agriculture 21,708 18,135 20 20,818 4 RAM Verticals 76,562 64,058 20 72,4
Slide 15: Retail Portfolio
Retail Portfolio (Rs. crore) Particulars Jun-25 Jun-24 YoY % Mar-25 QoQ % Housing loan 8,232 7,574 9 8,039 2 Jewel loans 4,240 2,654 60 3,455 23 Mortgage (LAP) loans 6,583 4,823 36 5,917 11 Vehicle loans 982 1,122 (12) 1,027 (4) Consumer Credit-BNPL* 822 1,065 (23) 844 (3) Personal loans 222 310 (28
Slide 16: Commercial Banking
Commercial Banking (Rs. crore) Ticket size of Commercial book Jewel loan portfolio 26,000 21,000 28% 28% 28% 18% 26% 16,000 26% 26% 14% 11,000 24% 68% 19,995 20,878 21,934 23,301 24,798 6,000 1,000 20% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jewel loan % of advance Includes both Agri and Non-Agri Jewel l
Slide 17: Corporate Banking
Corporate Banking (Rs. crore) Standard Corporate Advances ≥ 150 crore (Rs. crore) Break up of Corporate Book 2,500 2,193 7.00 Govt/PSU 1,889 1,923 6% Consortium Amount ≥ 150Cr 2,000 1,849 1,824 % on Advance 17% 5.00 Sole Banking 1,500 25% 3.25 2.94 2.95 3.00 1,000 MBA 2.28 2.04 52% 500 1.00 Mar-22 M
Slide 18: Advances-Sectoral composition
Advances-Sectoral composition Gross Advance of Rs. 89,374 Cr Breakup of Manufacturing Sector of Rs. 18,802 Cr Chemical and Bills, 1% Chemical products, 1% Mining and Quarrying, 1% Others, 2% Agri (excluding Jewel), 2% Agri-jewel, 22% Construction, 1% Textiles, 5% Others, 14% NBFC, 2% All Engineering
Slide 19: Liability Franchise : Predominantly Retail
Liability Franchise : Predominantly Retail Deposit Breakup Term Deposit-Amount wise* Demand Deposits, 8.81% Savings Deposits, 21% 18.67% 11% 19% 49% Term Deposits, 72.52% < Rs.15 Lakhs ≥Rs.15 Lakhs to <Rs.1 Cr ≥Rs.1 Cr to < Rs.5 Cr ≥ Rs.5 Cr 79 % of Total Term Deposits* are < Rs.5 Cr * Term Deposit
Slide 20: Investment Portfolio
Investment Portfolio Gross Investments (Rs. crore) Investment Category Modified Duration 25,308 25,774 23,564 24,206 HFT, 1.51% FVTPL, 1.55% 23,007 AFS HFT HTM FVTPL Total AFS, 19.47% 3.56 5.97 3.61 4.69 3.63 HTM, 77.47% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Yield on Investments-Quarterly Investment Co
Slide 21: Disciplined approach to reduce stressed assets
Disciplined approach to reduce stressed assets 20
Slide 22: Movement of NPA -Quarterly
Movement of NPA -Quarterly (Rs. crore) Particulars Jun-25 Jun-24 Mar-25 Gross NPAs Opening Balance 642 1,042 691 Additions during the period (+) 188 (+) 174 (+) 179 Reductions during the period (-) 237 (-) 191 (-) 228 -Of which 70 90 95 Recoveries/Upgradation Write offs/Tech Write offs 167 101 133 C
Slide 23: Vertical wise NPA
Vertical wise NPA (Rs. crore) NPA Reduction Q1 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Recoveries / Jun-25 Mar-25 Q1 Tech W/off Jun-25 Jun-25 Jun-25 upgradation Commercial 32,311 307 69 46 47 283 179 103 Retail (Personal Banking) 22,543 174 46 20 51 149 104 45 Agr
Slide 24: Bank Maintaining high Asset Quality with GNPA 0.66% and NNPA 0.19%
Bank Maintaining high Asset Quality with GNPA 0.66% and NNPA 0.19% (Rs. crore) (Rs. crore) Slippage Ratio % 3,431 1.48% 2,132 0.84% 1,458 0.75% 0.67% 1,261 0.57% 957 1,042 730 642 593 468 474 421 298 166 170 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 Gross NPA NPA Provisio
Slide 25: Provisions and Contingencies
Provisions and Contingencies (Rs. crore) Quarter ended Provision for Jun-25 Jun-24 Mar-25 NPA 114 100 85 Standard Assets 21 13 7 Restructured and other Advances (15) (5) 19 Other prudential provisions - 25 25 NPI and others (2) - 26 Total Provisions (excl. Tax) 118 133 162 Tax Provision 166 154 160
Slide 26: Restructured Accounts
Restructured Accounts (Rs. crore) Jun-25 Jun-24 Mar-25 Particulars Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 279 15 387 58 309 15 COVID 19 - Resolution Framework 164 2 195 29 161 6 MSME 63 1 81 5 67 1 Others* - 12 - 29 - 12 Total 506 30 663 121 537 34 * Others include restruc
Slide 27: Movement of Standard Restructured Advances for the Quarter
Movement of Standard Restructured Advances for the Quarter (Rs. crore) Jun-25 Jun-24 Particulars A/c’s Amt. A/c’s Amt. O/s Balance of Standard Restructured Position at the beginning of the Advances 1,556 537 1,939 715 period A. Additions during the period - - - - 663 B. Additions in existing A/c’s -
Slide 28: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (Rs. crore) Amount 1200 Stressed Book Analysis 2.00 S. N. Sector Jun-25 Jun-24 1000 957 - 1 173 203 850 Housing - 775 800 294 2 Real Estate 88 134 219 - 703 706 167 - 30 3 Wholesale and Retail Trade 26 38 166 600 0.88 170 1.00 4 Textile 37 40 0.76 0.67 5 Pe
Slide 29: Building a Strong digital ecosystem
Building a Strong digital ecosystem 28
Slide 30: Digital banking
‘vB) Digital banking KVB ao ee Banking App B® 4 E33 4 4, 4. 3 [3 & ot es 5 M+ 2.2 M+ 1.3 M+ fe] = Total Monthly Monthly Active moe Downloads Transactions users Explore exciting NEW FEATURES Features and updates: — Enhanced UI Pay to Contacts Dynamic Offers v=) Easy Navigation Search within app Manag
Slide 31: Digital Banking
Digital Banking Count of UPI Transactions (Quarterly) (in lakhs) 3733 3553 3374 2940 3264 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 25% Growth in Digital Transactions YOY 92% Of the transactions served Digitally Dlite App 30
Slide 32: Digital Partnerships
Digital Partnerships ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 31
Slide 33: Environmental Social Governance
Environmental Social Governance 32
Slide 34: ESG Highlights - Environment
ESG Highlights - Environment Growing with Purpose: Promoting Environmental Sustainability through Restoring Biodiversity in Urban Space As part of ongoing commitment to environmental sustainability, the Bank under its CSR arm – KVB Bhoomi, partnered with CommuniTree (an NGO), to plant 10,000 native
Slide 35: ESG Highlights - Social
ESG Highlights - Social Promoting Education and Skill Development: Growing healthier Communities: Employment linked training program for sustainable livelihood of Inauguration of KVB VGM Foundation Blood Bank at VGM Hospital the underprivileged youth and women The 1,800 sq. ft. facility equipped wit
Slide 36: ESG Highlights - Governance
ESG Highlights - Governance Corporate Governance Structure Board level committees with majority of Bank has established an 10 independent directors; complying with Bank’s Diversity policy and RBI regulations 10 Directors effective corporate governance 7- Non-Executive Independent structure for top l
Slide 37: Shareholding pattern External Ratings
Shareholding pattern External Ratings Shareholding as on June 30,2025 Rating Agency Instrument Ratings Promoter group, A1+ Certificate of Deposit 2.10% ( Reaffirmed) Mutual Fund, AA (Stable) Issuer Rating 31.46% ( Reaffirmed) Resident Individual, 37.99% A1+ Certificate of Deposits (Reaffirmed) Insur
Slide 38: 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 11,768^ Owned funds 3
Slide 39: Thank You
(«) Smart way to bank Thank You www.kvb.co.in
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