Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q4 FY2026 Earnings Presentation
51 slides from Karur Vysya Bank's earnings presentation, May 7, 2026
Slide 1: Regulation 30 intimation cover letter to exchanges
Classification | REGULATORS IRC:F48:63:146:2026 May 07, 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 – 40005
Slide 2: Investor Presentation Q4 FY 2025-26
Investor Presentation Q4 FY 2025-26
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 2,14,420 98,754 1,15,666 15 % YoY 1 % QoQ 17 % YoY 2 % QoQ 13 % YoY 1 % QoQ CASA Operating Profit Net Profit 31,122 12M → 4,075 Q4 → 1,247 12M → 2,510 Q4 → 725 12 % YoY - QoQ 27 % YoY 24
Slide 6: Performance metrics - Key Ratios
Performance metrics- Key Ratios Quarter ended Year ended Particulars Mar-26 Mar-25 Mar-26 Mar-25 (%) (%) (%) (%) Cost of Deposits 5.41 5.74 5.56 5.61 Yield on Advances 9.93 10.21 9.86** 10.15 Cost of Funds 5.38 5.75 5.56 5.61 Yield on Funds 8.92* 9.03 8.80**# 8.93 Spread on Funds 3.60 3.29 3.37 3.32
Slide 7: Quarterly Performance metrics
Quarterly Performance metrics ROA % ROE % 20.48 20.55 2.05 2.10 17.21 17.94 16.76 1.81 1.73 1.73 Vs Dec-25: Vs Dec-25: 5 bps ↑ 7 bps ↑ Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 NIM % Cost to Income % 4.05 4.25** 47.77 47.24 46.25* 3.86 3.99 3.77* 42.49 37.27** Vs Dec-25:
Slide 8: Quarterly Performance metrics
Quarterly Performance metrics ROA % Cost ROE % Yield on Funds & Cost of Funds % NIMOn Yield % Advances, Cost of Deposits &toNIM Income % % 9.03 8.87 8.92** 8.67* 8.73 10.21 10.00 9.76* 9.77 9.93** 5.75 5.78 5.63 5.47 5.38 5.74 5.77 5.60 5.47 5.41 4.05 3.99 4.25** 3.86 3.77* Mar-25 Jun-25 Sep-25 Dec-
Slide 9: Profit & Loss Statement
Profit & Loss Statement (₹ Crore) Quarter ended Year ended Particulars Growth % Growth % Mar-26 Mar-25 Mar-26 Mar-25 (YoY) (YoY) Net Interest Income 1,359 1,089 25 4,939 4,260 16 Other Income 616 509 21 2,084 1,829 14 - Fee income 280 264 6 1,050 965 9 - Others 336 245 37 1,034 864 20 Total Income 1
Slide 10: Balance Sheet
Balance Sheet (₹ Crore) Particulars Mar-26 Mar-25 YoY (%) Total Assets Capital & Liabilities 135,567 136,603 125,371 130,099 Capital 193 161 20 119,367 Reserves and Surplus 13,914 11,768 18 Deposits 1,15,666 1,02,078 13 Borrowings 2,623 1,217 116 Other Liabilities and Provisions 4,207 4,143 2 Total
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 Mar-26 Mar-25 Dec-25 Risk Weighted Assets (INR crores) CRAR (%) 18.76 18.17 16.05 75,697 Total capital 14,199 12,041 12,029 66,261 61,125 Tier I capital 13,416 11,344 11,285 49,084 42,212 Tier II capital 783 697 744 RWA 75,697 66,261 74,946 Credit risk 66,166 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 13 % YoY 12
Slide 14: Advances and Deposits
Advances and Deposits (₹ Crore) Strong Balance sheet Growth: Advances 17 % YoY, Deposits 13 % YoY Advances Particulars Mar-26 Mar-25 YoY % Dec-25 QoQ % 97,052 98,754 89,374 92,724 84,491 Deposits 1,15,666 1,02,078 13 1,14,595 1 Gross Advances 98,754 84,491 17 97,052 2 Total Business 2,14,420 1,86,56
Slide 15: Liability Franchise: Predominantly Retail
Liability Franchise │ Predominantly Retail Deposit Breakup Term Deposit-Amount wise* Savings Deposits, 19.01% ≥ Rs.5 Cr 22% Demand Deposits, ≥ Rs.1 Cr to < Rs.5 Cr 7.90% 12% < Rs.15 Lakhs ≥ Rs.15 Lakhs to < Rs.1 Cr 47% 19% Term Deposits, 73.09% Sustained Momentum in CASA Growth and Mix 78 % of Total
Slide 16: Consistent and Credible Progress: RAM-led Growth Continues
Consistent and Credible Progress │ RAM- led Growth Continues (₹ Crore) Advance Mix Mar-26 Mar-25 YoY % Dec-25 QoQ % RAM Advances Commercial 34,279 30,730 12 34,347 - 85,260 83,388 Retail (Personal Banking) 26,197 20,896 25 25,424 3 79,846 76,562 Agriculture 24,784 20,818 19 23,617 5 72,444 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 25 % YoY to ₹ 26,197 Cr Particulars Mar-26 Mar-25 YoY % Dec-25 QoQ % Housing loan 8,163 8,039 2 8,253 (1) Retail-Jewel loans 5,560 3,455 61 5,314 5 Mortgage (LAP) loans 9,222 5,917 56 8,451 9 Vehicle loan
Slide 18: Commercial Banking
Commercial Banking (₹ Crore) Commercial Advances MSME Bank of the Year-Private Winner and Best SME lending- Runner Up at 12th Global SME Excellence Awards 2025-26 by 34,347 34,279 Assocham 32,311 33,209 30,730 Commercial Advances grown by 12 % YoY Average Ticket size of Commercial book at account le
Slide 19: Jewel loan Portfolio: Jewel Loans Continue to Scale
Jewel loan Portfolio │Jewel Loans Continue to Scale with Controlled Risk Metrics (₹ Crore) Jewel loan Portfolio as % of Advance SMA 30+ Segment Portfolio LTV ( %) 30% Mar-26 Mar-25 Dec-25 28% 29% 28% 28% 29,492 27,728 Agri 22,704 7 11 5 55.53 26,134 24,798 23,301 6,788 6,093 Non-Agri 6,788 10 6 7 49
Slide 20: Corporate Banking
Corporate Banking (₹ Crore) Corporate Book Internal Rating distribution of Corporate Book A & above BBB BB <BB Particulars Mar-26 Mar-25 YoY % Dec-25 QoQ % 3% MAR-26 26% 43% 28% Corporate 3% 13,494 12,047 12 13,664 (1) DEC-25 28% 41% 28% Advances Corporate Credit SEP-25 29% 40% 28% 3% 1,118 149 - 1,
Slide 21: Investment Portfolio: Steady growth, Stable yields
Investment Portfolio │Steady growth, Stable yields, Conservative risk positioning (₹ Crore) Gross Investment Yield on Investment-Q4 Modified Duration ₹ 29,394 Cr 6.83 % 3.83 Years Gross Investments (Rs. crore) Portfolio Mix Gross Investments (Rs. crore) Portfolio Mix Duration 30,156 29,394 28,198 24
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 0.75% GNPA 0.76 and % and NNPA NNPA 0.190.19 % % GNPA NNPA Yearly Slippage Yearly Credit ₹ 744 Cr ₹ 186 Cr Ratio Cost 0.19 % 0.75 % 0.77 % 0.75 % NPA Trend % GNPA Movement –Q4 FY26 Slippage and Credit Cost % Gross NPA% Net
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 96.45 % 74.63 % 0.17 % 0.45 % Of Total Advances Of Total Assets PCR and Market PCR % Stress Book Trend Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Provision
Slide 25: Provisions breakup
Provisions breakup (₹ Crore) Quarter 12 Months Particulars Mar-26 Mar-25 Mar-26 Mar-25 NPA 116 85 572 441 Standard Assets 7 7 54 40 Restructured and other Advances (10) 19 (26) 19 Other prudential provisions 163 25 163 100 NPI and others (18) 26 (8) 22 Total Provisions (excl. Tax) 258 162 755 622 Ta
Slide 26: 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 25
Slide 27: Advances-Sectoral Composition
Advances-Sectoral Composition Gross Advance of Rs. 98,754 Cr Breakup of Manufacturing Sector of Rs. 20,458 Cr (21%) Mining and Others, 2% Agri-jewel Quarrying, 1% Others 23% Construction, 14% 1% Chemical and Textiles, 5% Chemical Bills products, 1% 1% All Agri (excluding Engineering, Jewel) 1% NBFC
Slide 28: Restructured Accounts
Restructured Accounts (₹ Crore) Restructured Accounts -Scheme Mar-26 Mar-25 Dec-25 wise Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 229 7 309 15 244 8 COVID 19 - Resolution 127 1 161 6 134 1 Framework MSME 47 1 67 1 55 1 Others* - 12 - 12 - 12 Total 403 20 537 34 433 22 * Other
Slide 29: Movement of Standard Restructured Advances for the Year
Movement of Standard Restructured Advances for the Year (₹ Crore) Mar-26 Mar-25 O/s Balance of Standard Restructured Advances Quarterly Movement No. of No. of Borrower Amt. Borrower Amt. s s 1,640 Position at the beginning of the 1,556 537 1,939 715 period A. Additions during the period - - - - 976
Slide 30: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (₹ Crore) Amount S. N. Sectors Mar-26 Mar-25 1 Housing 149 181 2 Real Estate 66 102 3 Wholesale and Retail Trade 14 29 4 Textile 33 39 5 Personal 16 22 6 Infrastructure 7 11 7 Hotels and Restaurants 20 27 8 All Engineering 3 5 9 Food & Food Processing 10 11
Slide 31: Movement of NPA - Yearly
Movement of NPA –Yearly (₹ Crore) Particulars Mar-26 Mar-25 Gross NPAs Opening Balance 642 1,042 Additions during the period (+) 741 (+) 482 Reductions during the period (-) 639 (-) 882 -Of which 148 185 Recoveries/Upgradation Write offs/Tech Write offs 491 697 Closing Balance 744 642 Provisions Ope
Slide 32: Movement of NPA - Quarterly
Movement of NPA -Quarterly (₹ Crore) Particulars Mar-26 Mar-25 Dec-25 Gross NPAs Opening Balance 687 691 708 Additions during the period (+) 187 (+) 179 (+) 154 Reductions during the period (-) 130 (-) 228 (-) 175 -Of which 67 95 65 Recoveries/Upgradation Write offs/Tech Write offs 63 133 110 Closin
Slide 33: Vertical wise NPA
Vertical wise NPA (₹ Crore) NPA Reduction Q4 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Mar-26 Dec-25 Q4 Recoveries / Mar-26 Mar-26 Mar-26 Tech W/off upgradation Commercial 34,279 230 114 41 28 275 146 127 Retail (Personal Banking) 26,197 117 54 22 28 121 75 46 Agric
Slide 34: Vision & Mission
Vision & Mission │Driving Customer centric, Tech enabled growth 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 with tradition. products under one roof,
Slide 35: Honoring the Past, Building the Future: A glimpse of our Journey
Honoring the Past, Building the Future: A glimpse of our Journey 1916 1952 1964 1986 2001 2009 Launched Golden Commercial Attained Expanded through Ventured into Vision transformation First ATM of the operations began Scheduled Bank the takeover of 4 Treasury Operations bank unveiled Journey in Karu
Slide 36: PAN India presence with strong regional network
PAN India presence with strong regional network Category Mar-26 Mar-25 Mar-24 Branches 901 888 838 ATM’s + Cash Recycler’s 2,213 2,252 2,262 5 1 Branch Other 6 1 Category BBU CBU ARB Count offices 12 7 Metro 229 10 9 8 8 1 Urban 181 3 - - - 1 Semi Urban 354 1 - - - 1 Rural 137 - - - - 4 14 Total 901
Slide 37: 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 36
Slide 38: KVB DLite Mobile banking App
DLite Banking KVB DLite Mobile banking App 4.8 4.6 7M+ 2.5 M + 1M+ 4.17 L Total Monthly Avg Monthly Accounts Downloads Transactions Active Users Opened Enhanced Features ❖ Enhanced UI ❖ Easy Navigation ❖ Seamless Login ❖ Pay to Contacts ❖ Search Button ❖ Single pay button ❖ Dynamic Offers ❖ Instant
Slide 39: 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 40: Digital Banking
Digital Banking Digital Initiatives Count of UPI Transactions (Quarterly) (in lakhs) Omni channel Marketing Tool Instant VKYC in DLite A unified platform enabling Real time Video-based KYC seamless customer engagement verification integrated in DLite 4043 4157 3970 3553 3733 across multiple Digital
Slide 41: Digital Partnerships: Strategic Partnerships driving Digital banking experience
Digital Partnerships │Strategic Partnerships driving Digital banking experience ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 40
Slide 42: Awards and Accolades during the Quarter
Awards and Accolades during the Quarter 8th edition of the BFSI & Fintech Summit 2026 by Dun & Bradstreet India’s Leading Private Bank (Mid) Recognized as India’s Leading Private Sector Bank (Mid) Assocham “12th Global SME Excellence Awards 2025-26” MSME Bank of the Year-Private - Winner Leading in
Slide 43: ESG Highlights: Embedding ESG into Core Banking Strategy
ESG Highlights │ Embedding ESG into Core Banking Strategy Environment Social • 1,02,470 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 individual
Slide 44: ESG Highlights: Embedding ESG into Core Banking Strategy
ESG Highlights │ Embedding ESG into Core Banking Strategy IGBC Green Existing Building Certification IGBC Platinum Certified: KVB Central Office awarded the prestigious Platinum Certification by the IGBC IGBC Founding Member: KVB has officially become a Founding Member of the Indian Green Building C
Slide 45: Governance: Disciplined Governance driven by Independent Board and Committees
Governance │ Disciplined Governance driven by Independent Board and Committees 10 Directors 11 Board Level Committees 1 Nomination and Remuneration Committee Non-Executive Non-Executive 2 Audit Committee of the Board 7 Independent Directors 2 Executive Directors 1 Non independent 3 Risk Management &
Slide 46: Board of Directors: Experienced Board driving strategic direction
Board of Directors │Experienced Board driving strategic direction Dr Meena Hemchandra Shri B Ramesh Babu Shri Sankar B Shri R Ramkumar Dr R Harshavardhan Non-Executive Managing Director and Executive Director Non-Executive Non- Non-Executive Independent (Part-time) Chief Executive Officer Independen
Slide 47: Strategic Leadership Driving Growth
Strategic Leadership Driving Growth B Ramesh Babu Managing Director & CEO Exp: 40+ Years Sankar B Chandrasekaran M S Immanuel Gnanaraj Daniel Executive Director Chief Operating Officer Chief Human Resources Officer Exp: 37+ Years Exp: 34+ Years Exp: 30+ Years Shekhar Ramarajan Saravanan S Ramshankar
Slide 48: Shareholding pattern and External Ratings
Shareholding pattern External Ratings Share Holding as on 31 March 2026 External ratings Rating Agency Instrument Ratings Others, Promoter A1+ 5.22% group, 2.07% Certificate of Deposit ( Reaffirmed) AA (Stable) Issuer Rating ( Reaffirmed) Resident Mutual Individuals, Funds, 31% 35.51% A1+ Certificat
Slide 49: Decade of Sustained Growth: Market Cap
Decade of Sustained Growth (₹ Crore) Market Cap (₹ Crore) 25,000 20,000 27,975 15,000 10,000 16,846 14,691 5,000 7,299 8,371 6,615 6,824 5,699 5,323 4,443 1,614 3,704 - Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 48
Slide 50: Decade of Sustained Growth
Decade of Sustained Growth (₹ Crore) Year 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26 Paid up Capital 122 122 122 145 160 160 160 160 160 161 161 193 Reserves 4,124 4,451 4,723 6,066 6,205 6,440 6,760 7,308 8,264 9,687 11,559 13,914 Owned funds 4,2
Slide 51: Thank You
Thank You www.kvb.bank.in 50