Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q4 FY2025 Earnings Presentation
47 slides from Karur Vysya Bank's earnings presentation, May 19, 2025
Slide 1: Regulation 30 intimation to stock exchanges
Classification | REGULATORS IRC:F48:71:146:2025 May 19, 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 – 40005
Slide 2: Investor Presentation Q4 FY 2025
=“ Investor Presentation Q4 FY 2025
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: Vision & Mission of the Bank
Vision & Mission of the Bank VISION MISSION To be the preferred choice of stakeholders To provide superior banking experience by using and deliver value by blending technology technology to deliver entire gamut of financial products with tradition. under one roof, easily available to the customers a
Slide 5: Quarter In focus
Quarter In focus 4
Slide 6: Strategic penetration into India's fast developing hinterland
Strategic penetration into India’s fast developing hinterland Mapping our Geographical footprint Category 31.03.25 31.03.24 31.03.23 Branches 888 838 799 ATM’s + Cash Recyclers 2,252 2,262 2,240 Punjab-5 Chandigarh UT-1 Haryana-6 Uttarakhand-1 No. of Other New Delhi-12 Category BBU* CBU* ARB* Uttar
Slide 7: Honoring the Past, Building the Future: A glimpse of our Journey
Honoring the Past, Building the Future: A glimpse of our Journey ❑ Bank commenced its ❑ Acquisition of 4 smaller ❑ First ATM of the bank 1916 1964 2001 Commercial operations in Karur banks unveiled ❑ Set forth of Golden Vision: ❑ Business crosses ₹ 0.50 T ❑ Bank launches D-lite mobile The Transforma
Slide 8: Financial Highlights
Financial Highlights (Rs. crore) Business Advances Deposits CASA 1,86,569 84,491 1,02,078 27,832 14% YoY 3% QoQ 14% YoY 2% QoQ 15% YoY 3% QoQ 3% YoY 1% QoQ Operating ROA % NIM % Net Profit Profit 12M- 4.09% Q4- 4.05% 12M- 3,212 Q4-835 12M –1,942 Q4-513 12M- 1.72% Q4- 1.73% 11 bps YoY 1 bps QoQ 14% Y
Slide 9: Performance metrics- Key Ratios
Performance metrics- Key Ratios Quarter 12 Months Particulars Mar 25 Mar 24 Mar 25 Mar 24 Cost of Deposits (%) 5.74 5.36 5.61 5.19 Yield on Advances (%) 10.21 10.10 10.15 9.95 Cost of Funds (%) 5.75 5.41 5.61 5.23 Yield on Funds (%) 9.03 8.84 8.93 8.68 Net Interest Margin (%) 4.05 4.20 4.09 4.20 Spr
Slide 10: Quarterly Performance metrics
Quarterly Performance metrics ROA% ROE % NIM % Cost to Income % 1.76 1.74 1.73 18.17 4.20 4.14 4.12 4.05 51.62 1.70 1.72 17.33 17.36 17.42 17.21 4.04 47.77 47.20 46.72 47.27 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24
Slide 11: Profit & Loss Statement
Profit & Loss Statement (Rs. crore) Quarter 12 Months Particulars Growth % Growth % Mar 25 Mar 24 Mar 25 Mar 24 (YoY) (YoY) Net Interest Income 1,089 998 9 4,260 3,818 12 Other Income - Fee income 264 238 11 965 858 12 - Others 245 231 6 864 643 35 Sub total 509 469 9 1,829 1,501 22 - Others *(refer
Slide 12: Balance Sheet
Balance Sheet (Rs. crore) Particulars FY 2024-25 FY 2023-24 YoY (%) Total Assets Capital & Liabilities 116,373 119,367 108,766 112,236 Capital 161 161 - 105,453 Reserves and Surplus 11,768 9,879 19 Deposits 1,02,078 89,113 15 Borrowings 1,217 2,478 (51) Other Liabilities and Provisions 4,143 3,822 8
Slide 13: Capital to Risk Weighted Assets Ratio – Basel III
Capital to Risk Weighted Assets Ratio – Basel III (Rs. crore) Particulars Mar 25 Mar 24 Dec 24 Risk Weighted Assets (INR crores) 66,261 CRAR % 18.17 16.67 15.91 61,125 Total capital 12,041 10,192 10,306 49,084 Tier I capital 11,344 9,449 9,736 40,020 42,212 Tier II capital 697 743 570 RWA 66,261 61,
Slide 14: Driving growth across verticals
Driving growth across verticals 13
Slide 15: Advances and Deposits
Advances and Deposits (Rs. crore) Advances Parameter Mar 25 Mar 24 YoY % Dec 24 QoQ % 82,838 84,491 80,299 Deposits 1,02,078 89,113 15 99,155 3 77,710 74,423 Gross Advances 84,491 74,423 14 82,838 2 Highest ever Total Business 1,86,569 1,63,536 14 1,81,993 3 Deposit Portfolio Mar-24 Jun-24 Sep-24 De
Slide 16: Consistent and Credible Progress
Consistent and Credible Progress (Rs. crore) RAM Advances Particulars Mar 25 Mar 24 YoY % Dec 24 QoQ % 72,444 70,005 Commercial 30,730 25,449 21 29,824 3 67,211 64,058 Retail 20,896 17,662 18 20,476 2 60,474 (Personal Banking) Agriculture 20,818 17,363 20 19,705 6 RAM Verticals 72,444 60,474 20 70,0
Slide 17: Retail Portfolio
Retail Portfolio (Rs. crore) Particulars Mar 25 Mar 24 YoY % Dec 24 QoQ % Housing loan 8,457 7,563 12 8,405 1 Jewel loans 3,455 2,147 61 3,123 11 Mortgage (LAP) loans 5,499 4,116 34 5,266 4 Vehicle loans 1,027 1,132 (9) 1,071 (4) Consumer Credit-BNPL* 844 1,077 (22) 977 (14) Personal loans 238 333 (
Slide 18: Commercial Banking
Commercial Banking (Rs. crore) Ticket size of Commercial book Jewel loan portfolio 26,000 28% 28% 28% 21,000 27% 25% 26% 27% 16,000 26% 26% 26% 26% 61% 11,000 14% 25% 25% 18,672 19,995 20,878 21,934 23,301 6,000 25% 24% 1,000 24% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jewel loan % of advance < 5 crore ≥
Slide 19: Corporate Banking
Corporate Banking (Rs. crore) Standard Corporate Advances ≥ 150 crore (Rs. crore) Break up of Corporate Book 2,500 2,193 Consortium 7.00 18% 1,889 1,923 Govt/PSU Amount ≥ 150Cr 2,000 1,849 % on Advance 5% 5.00 1,500 1,331 Sole Banking 3.25 MBA 1,000 2.94 2.95 3.00 25% 52% 2.55 2.28 500 1.00 Mar 21 M
Slide 20: Advances-Sectoral composition
Advances-Sectoral composition Gross Advance of Rs. 84,491 Crore Break up for Manufacturing Sector (Rs. 18,348 Crore) COMMERCIAL REAL AGRI (excluding NBFC ESTATE Jewel) 2% 7% 2% GEMS & JEWELLERY 9% OTHERS BILLS 2% OTHER EXPOSURES 7% MINING AND 12% QUARRYING 4% TRADING INFRASTRUCTURE 12% CONSTRUCTION
Slide 21: Liability Franchise : Predominantly Retail
Liability Franchise : Predominantly Retail (Rs. crore) Deposit Breakup Term Deposit-Amount wise* Savings Deposits, 22% 19.08% 10% Demand Deposits, 8.18% 19% 49% Term Deposits, 72.73% < Rs.15 Lakhs ≥Rs.15 Lakhs to <Rs.1 Cr ≥Rs.1 Cr to < Rs.5 Cr ≥ Rs.5 Cr Milestone achievement: 78 % of Total Term Depo
Slide 22: Investment Portfolio
Investment Portfolio (Rs. crore) Gross Investments (Rs. crore) Investment Category Modified Duration 25,308 HFT, 0.26% FVTPL, 1.63% 23,564 24,206 22,840 23,007 AFS, 17.13% AFS HFT HTM FVTPL Total 3.70 - 3.38 - 3.43 HTM AFS HTM, 80.98% HFT FVTPL Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Yield on Investments
Slide 23: Disciplined approach to reduce stressed assets
Disciplined approach to reduce stressed assets 22
Slide 24: Movement of NPA -Quarterly
Movement of NPA -Quarterly (Rs. crore) Particulars Q4 FY25 Q3 FY25 Q4 FY24 Gross NPAs Opening Balance 691 886 1,152 Additions during the period (+) 179 139 (+) 201 Reductions during the period (-) 228 334 (-) 311 -Of which 95 91 110 Recoveries/Upgradation Write offs/Tech Write offs 133 242 201 Closi
Slide 25: Movement of NPA -Yearly
Movement of NPA -Yearly (Rs. crore) Particulars Apr 24– Mar 25 Apr 23– Mar 24 Gross NPAs Opening Balance 1,042 1,458 Additions during the period (+) 482 (+) 499 Reductions during the period (-) 882 (-) 915 -Of which 185 261 Recoveries/Upgradation Write offs/Tech Write offs 697 654 Closing Balance 64
Slide 26: Vertical wise NPA
Vertical wise NPA (Rs. crore) NPA Reduction Q4 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Recoveries / Mar 25 Dec 24 Q4 Tech W/off Mar 25 Mar 25 Mar 25 upgradation Commercial 30,730 323 99 65 50 307 183 125 Retail (Personal Banking) 20,896 203 51 23 57 174 140 33 Agr
Slide 27: Bank Maintaining high Asset Quality with GNPA 0.76% and NNPA 0.20%
Bank Maintaining high Asset Quality with GNPA 0.76% and NNPA 0.20% (Rs. crore) (Rs. crore) 4,143 Slippage Ratio % 3,431 1.84% 2,366 1.48% 2,132 1,719 1,458 1,042 1,261 0.75% 957 642 474 0.67% 730 0.57% 468 298 166 Mar 21 Mar 22 Mar 23 Mar 24 Mar 25 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Gross NPA NPA Pr
Slide 28: Provisions and Contingencies
Provisions and Contingencies (Rs. crore) Quarter 12 Months Provision for Mar 25 Mar 24 Mar 25 Mar 24 NPA 85 110 441 428 Standard Assets 7 2 40 53 Restructured and other Advances 19 - 19 - Other prudential provisions 25 - 100 - Floating Provision 25 - 100 NPI and others 26 157 22 148 Total Provisions
Slide 29: Restructured Accounts
Restructured Accounts (Rs. crore) Mar 25 Mar 24 Dec 24 Particulars Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 309 15 418 80 362 35 COVID 19 - Resolution Framework 161 6 205 33 174 8 MSME 67 1 92 10 72 2 Others* - 12 - 29 - 12 Total 537 34 715 152 608 57 * Others include restru
Slide 30: Movement of Standard Restructured Advances for the Year
Movement of Standard Restructured Advances for the Year (Rs. crore) Mar 25 Mar 24 Particulars A/c’s Amt. A/c’s Amt. O/s Balance of Standard Restructured Position at the beginning of the Advances 1,939 715 2,478 976 period 1,640 957 976 A. Additions during the period - - - - B. Additions in existing
Slide 31: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (Rs. crore) Amount 1200 Stressed Book Analysis 2.00 S. N. Sector Mar 25 Mar 24 1013 957 1 Housing 181 209 1000 850 2 Real Estate 102 124 298 775 800 294 3 Wholesale and Retail Trade 29 41 219 703 167 4 Textile 39 42 0.96 166 600 0.88 1.00 5 Personal 22 31 0
Slide 32: Governance Structure Board of Directors & Management Team
Governance Structure Board of Directors & Management Team 31
Slide 33: Board of Directors
Board of Directors Dr Meena Hemchandra Shri B Ramesh Babu Shri Sankar Shri R Ramkumar Shri K G Mohan Shri J Natarajan Non-Executive Managing Director and Balabhadrapatruni Non-Executive Non- Non-Executive Executive Director Independent (Part-time) Chief Executive Officer Executive Director Independe
Slide 34: Management Team
Management Team B Ramesh Babu Managing Director & CEO Exp: 40+ Years J Natarajan Sankar Balabhadrapatruni Chandrasekaran M S Immanuel Gnanaraj Daniel Executive Director Executive Director Chief Operating Officer Chief Human Resources Officer Exp: 40+ Years Exp: 36+ Years Exp: 33+ Years Exp: 29+ Year
Slide 35: Building a Strong digital ecosystem
Building a Strong digital ecosystem 34
Slide 36: KVB DLite
Digital banking KVB DLite Mobile Banking app 4.7 4.1 5M+ 1.3 M + 2.2 M + Total Downloads Monthly Active users Monthly Transactions Features and updates…… Enhanced UI Easy Navigation Seamless Login Pay to Contacts Search within app Single Pay button Dynamic Offers Manage Cards Set Favorites 35
Slide 37: Digital Banking
Digital Banking Count of UPI Transactions (Quarterly) (in lakhs) (No. in Lakhs) 3553 3374 3264 2940 2699 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 115% Growth in Digital Transactions YOY 98% Of the transactions served Digitally Dlite App 36
Slide 38: Digital Partnerships
Digital Partnerships ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 37
Slide 39: Environmental Social Governance
Environmental Social Governance 38
Slide 40: ESG Highlights - Environment
ESG Highlights - Environment IGBC Green Building Certification IGBC Green Existing Building Certification: Our Central office building has been awarded with prestigious ‘Platinum Certification’ by the Indian Green Building Council ( IGBC) reflecting our commitment to sustainable building practices,
Slide 41: ESG Highlights - Social
ESG Highlights - Social Healthcare Nurturing Supported Asha Kiran Dialysis Centre with Promoting Education, health and Fosters Free Dialysis Unit abilities in children with cerebral Palsy and disabilities through supporting-The Spastics Society of Tamil Nadu, (SPASTN) Women empowerment Sanitation “S
Slide 42: ESG Highlights – Social
ESG Highlights – Social Promoting environmental sustainability In a strategic partnership with Maharshi Dayanand University (MDU), Rohtak, the Bank has provided a 12-seater lithium battery-operated transport vehicle to facilitate the on-campus commute of girl students. This initiative not only enhan
Slide 43: 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 11 Directors effective corporate governance 7- Non-Executive Independent structure for top l
Slide 44: Awards and Accolades received during the Quarter
Awards and Accolades received during the Quarter CIMSME-MSME Banking Excellence Awards 2024 ❖CSR Initiative & Business responsibility award (private Sector banking ❖Jury special award for supporting MSME’s IBEX -India 2025 BFSI Technology Awards ❖Excellence in ESG And Sustainability Initiatives. ❖Be
Slide 45: Shareholding pattern External Ratings
Shareholding pattern External Ratings Shareholding as on March 31,2025 Rating Agency Instrument Ratings Certificate of A1+ Promoter group, 2.11% Deposits ( Reaffirmed) Mutual Fund, Issuer Rating AA (Stable) 31.49% Resident Individual, 38.91% Certificate of A1+ Deposits (Reaffirmed) Insurance Compani
Slide 46: 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 47: Thank You
46 Smart way to bank Thank You www.kvb.co.in @9@008