Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — Q3 FY2025-26 Earnings Presentation
42 slides from Karur Vysya Bank's earnings presentation, Jan 23, 2026
Slide 1: Regulation 30 intimation to stock exchanges
Classification | REGULATORS IRC:F48:12:26:2026 January 23, 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 Q3 FY 2025-2026
Investor Presentation Q3 FY 2025-2026 www.kvb.bank.in Building on Strength, Banking on Trust
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: Quarter In focus
iva) Quarter In focus e9@00e
Slide 5: PAN India presence with strong regional network
PAN India presence with strong regional network Category Dec-25 Mar-25 Mar-24 Branches 898 888 838 ATM’s + Cash Recyclers 2,211 2,252 2,262 5 Branch Other 1 Category BBU CBU ARB 6 count offices 1 12 Metro 227 10 9 8 8 7 Urban 181 3 - - - 1 Semi Urban 354 1 - - - 1 Rural 136 - - - - 1 4 Total 898 14
Slide 6: Financial Highlights
Financial Highlights (Rs. crore) Business 2,11,647 Advances 97,052 16 % YOY 4 % QOQ 17 % YOY 5 % QOQ Deposits 1,14,595 CASA 31,199 16 % YOY 4 % QOQ 11 % YOY 2 % QOQ NIM 9M → 3.88 %* Q3 → 3.99 % Operating 9M→ 2,828 Q3 → 1,005 (%) (22) bps YOY 22 bps QOQ Profit 19 % YOY 14 % QOQ * 9M → 1,785 Q3 → 690
Slide 7: Performance metrics- Key Ratios
Performance metrics- Key Ratios Quarter 9 Months Particulars Dec-25 Dec-24 Dec-25 Dec-24 (%) (%) (%) (%) Cost of Deposits 5.47 5.66 5.61 5.57 Yield on Advances 9.77 10.18 9.84* 10.13 Cost of Funds 5.47 5.66 5.62 5.57 Yield on Funds 8.73 8.93 8.75* 8.89 Spread on Funds 3.26 3.27 3.13 3.33 Net Interes
Slide 8: Quarterly Performance metrics
Quarterly Performance metrics ROA % ROE % NIM % Cost to Income % 2.05 47.77 47.27 47.24 17.94 17.67 4.04 4.05 3.99 42.63 42.49 1.81 17.42 17.21 16.76 3.86 3.77* 1.74 1.73 1.73 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-2
Slide 9: Profit & Loss Statement
Profit & Loss Statement (Rs. crore) Quarter 9 Months Particulars Growth % Growth % Dec-25 Dec-24 Dec-25 Dec-24 (YOY) (YOY) Net Interest Income 1,239 1,081 15 3,580 3,171 13 Other Income 509 465 9 1,468 1,320 11 - Fee income 266 232 15 770 700 10 - Others 243 233 4 698 620 13 Total Income 1,748 1,546
Slide 10: Balance Sheet
Balance Sheet (Rs. crore) Total Assets Particulars Dec-25 Dec-24 YOY (%) 130,099 135,567 Capital & Liabilities 125,371 116,373 119,367 Capital 193 161 20 Reserves and Surplus 13,280 11,231 18 Deposits 1,14,595 99,155 16 Borrowings 3,031 1,563 94 Other Liabilities and Provisions 4,468 4,263 5 Dec-24
Slide 11: Capital Adequacy
Capital Adequacy (Rs. crore) Risk Weighted Assets (INR crores) Particulars Dec-25 Dec-24 Sep-25 CRAR (%) 16.05 15.91 16.58 74,946 66,261 Total capital 12,029 10,306 12,023 61,125 Tier I capital 11,285 9,736 11,296 49,084 42,212 Tier II capital 744 570 727 RWA 74,946 64,755 72,498 Credit risk 65,322
Slide 12: Driving growth across Verticals
Driving growth across Verticals 11
Slide 13: Advances and Deposits
Advances and Deposits (Rs. crore) Strong Balance sheet Growth: Advances 17% YOY, Deposits 16% YOY Advances 97,052 92,724 89,374 Particulars Dec-25 Dec-24 YOY % Sep-25 QOQ % Mar-25 YTD % 84,491 82,838 Deposits 1,14,595 99,155 16 1,10,492 4 1,02,078 12 Gross Advances 97,052 82,838 17 92,724 5 84,491 1
Slide 14: Consistent and Credible Progress
Consistent and Credible Progress (Rs. crore) RAM- led Growth Continues: Corporate share Stable RAM Advances Advance Mix Dec-25 Dec-24 YOY % Sep-25 QOQ % 83,388 79,846 Commercial 34,347 29,824 15 33,209 3 76,562 72,444 Retail (Personal Banking) 25,424 20,476 24 24,023 6 70,005 Agriculture 23,617 19,7
Slide 15: Retail Portfolio
Retail Portfolio (Rs. crore) Retail Advances grew by 24% YOY to ₹ 25,424 Cr, led by Jewel Loans and LAP Particulars Dec-25 Dec-24* YOY % Sep-25 QOQ % Housing loan 8,253 8,002 3 8,289 - Retail-Jewel loans 5,314 3,123 70 4,800 11 Mortgage (LAP) loans 8,451 5,669 49 7,413 14 Vehicle loans 879 1,071 (18
Slide 16: Commercial Banking
Commercial Banking (Rs. crore) Commercial Advances 34,347 33,209 32,311 30,730 29,824 • Commercial advances grown by 15 % YoY and 3 % QoQ • Average Ticket size of Commercial book at account level increased from Rs. 55.3 lakhs in March 2025 to Rs. 67.60 lakh in December 2025 Dec-24 Mar-25 Jun-25 Sep-
Slide 17: Jewel loan Portfolio
Jewel loan Portfolio (Rs. crore) Jewel loan portfolio grown by 26% YoY and 6% QoQ SMA 30+ Jewel loan Portfolio as % of Advance Category Amount LTV ( %) 28% 29% Dec-25 Dec-24 Sep-25 28% 28% 26% 27,728 Agri Jewel 26,134 21,635 5 16 10 55.59 24,798 loan 21,934 23,301 6,093 Non-Agri 6,093 7 9 7 49.59 5,
Slide 18: Corporate Banking
Corporate Banking Corporate Book Internal Rating distribution of Corporate Book (Rs. crore) 3% 3% 3% 3% 3% Particulars Dec-25 Dec-24 YOY % Sep-25 QOQ % 28% 28% 28% 28% 28% Corporate Advances 13,664 12,833 6 12,878 6 36% 37% 39% 40% 41% Corporate Credit 1,132 149 660 1,080 5 Substitutes 33% 32% 30% 2
Slide 19: Advances-Sectoral Composition
Advances-Sectoral Composition Gross Advance of Rs. 97,052 Cr Breakup of Manufacturing Sector of Rs. 20,901 Cr (22%) Chemical and Chemical products, 1% Bills 1% Mining and Quarrying, 1% Others, Agri-jewel 2% 22% Construction, Textiles, Agri (excluding Jewel) 1% 5% 2% Others 13% Infrastructure, NBFC M
Slide 20: Liability Franchise : Predominantly Retail
Liability Franchise : Predominantly Retail Deposit Breakup Term Deposit-Amount wise* Savings Deposits, 18.57% ≥ Rs.5 Cr 21% Demand Deposits, 8.66% ≥ Rs.1 Cr to < Rs.5 Cr 12% < Rs.15 Lakhs ≥ Rs.15 Lakhs to < Rs.1 Cr 48% Term Deposits, 19% 72.77% Sustained Momentum in CASA Growth and Mix 79 % of Total
Slide 21: Investment Portfolio
Investment Portfolio Steady growth | Stable yields | Conservative risk positioning ₹ 30,156 Cr 6.64 % 3.78 Years Gross Investment Yield on Investment - Q3 Duration Gross Investments (Rs. crore) Portfolio Mix Risk and Liquidity FVTPL, 30,156 HFT, 1.82% 28,198 1.32% 25,308 25,774 24,206 AFS, 25.29% Mo
Slide 22: Disciplined approach to Reduce stressed assets
Disciplined approach to Reduce stressed assets 21
Slide 23: Movement of NPA -Quarterly
Movement of NPA -Quarterly (Rs. crore) Particulars Dec-25 Dec-24 Sep-25 Gross NPAs Opening Balance 708 886 593 Additions during the period (+) 154 (+) 139 (+) 350 Reductions during the period (-) 175 (-) 334 (-) 235 -Of which 65 91 84 Recoveries/Upgradation Write offs/Tech Write offs 110 242 151 Clo
Slide 24: Vertical wise NPA
Vertical wise NPA (Rs. crore) NPA Reduction Q3 Advances O/s. NPA as on NPA Additions NPA as on Provisions Net NPA Vertical Dec-25 Sep-25 Q3 Recoveries / Dec-25 Dec-25 Dec-25 Tech W/off upgradation Commercial 34,347 214 91 35 40 230 121 107 Retail (Personal Banking) 25,424 155 42 22 58 117 69 48 Agri
Slide 25: Bank Maintaining High Asset Quality
Bank Bank Maintaining Maintaining highhigh AssetAsset Quality Quality with 0.76 with GNPA GNPA % 0.71 % and and NNPA NNPA 0.19 % 0.19 % (Rs. crore) Slippage Ratio % 3,431 1.48% 2,132 1,458 1,261 1,042 957 0.75% 0.67% 0.63% 730 642 687 0.57% 468 474 501 298 166 183 Mar-22 Mar-23 Mar-24 Mar-25 Dec-25
Slide 26: Provisions and Contingencies
Provisions and Contingencies (Rs. crore) Quarter 9 Months Particulars Dec-25 Dec-24 Dec-25 Dec-24 NPA 81 100 456 355 Standard Assets 17 9 47 33 Restructured and other Advances 16 17 (16) 3 Other prudential provisions - 25 - 75 NPI and others (10) (4) 10 (6) Total Provisions (excl. Tax) 104 147 497 4
Slide 27: Restructured Accounts
Restructured Accounts (Rs. crore) Restructured Accounts -Scheme Dec-25 Dec-24 Sep-25 wise Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 244 8 362 35 264 6 COVID 19 - Resolution 134 1 174 8 146 2 Framework MSME 55 1 72 2 58 1 Others* - 12 - 12 - 12 Total 433 22 608 57 468 21 * Oth
Slide 28: Movement of Standard Restructured Advances for the Quarter
Movement of Standard Restructured Advances for the Quarter (Rs. crore) Dec-25 Dec-24 Quarterly Movement O/s Balance of Standard Restructured No. of No. of Amt. Amt. Advances Borrowers Borrowers Position at the beginning of the 1,363 468 1,741 631 period A. Additions during the period - - - - 608 537
Slide 29: Sector-wise Standard Restructured Advances
Sector-wise Standard Restructured Advances (Rs. crore) S. Amount Stressed Book Analysis Sectors N. Dec-25 Dec-24 1 157 190 Total Stressed 775 703 706 674 646 Housing assets 2 Real Estate 73 117 % of Total Assets 0.67 0.59 0.54 0.52 0.48 3 Wholesale and Retail Trade 14 36 4 Textile 36 41 - - 30 30 5
Slide 30: Building a Strong Digital ecosystem
Building a Strong Digital ecosystem 29
Slide 31: KVB DLite Mobile banking App
DLite Banking KVB DLite Mobile banking App 4.8 4.6 7M+ 2.3 M + 1.3 M + 4.13 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 ❖ Inst
Slide 32: 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 33: Digital Banking
Digital Banking Count of UPI Transactions (Quarterly) (in lakhs) Omni channel MarketingDigital Tool Initiatives Instant VKYC in DLite A unified platform enabling Real time Video-based KYC 3970 4043 seamless customer engagement verification integrated in DLite 3553 3733 across multiple Digital channe
Slide 34: Awards and Accolades
Awards and Accolades MSME Banking Excellence Awards-2025 Best bank for Promoting Government Schemes Winner IBA CISO Summit 2025 Best Bank for Creating Awareness MSME Banking Excellence Awards-2025 Runner Up Conducted By Chamber of Indian Micro Small & Medium Enterprises (CIMSME) 33
Slide 35: Digital Partnerships
Digital Partnerships ASSETS Service Support Business Support LIABILITIES Channel Partners Payment aggregators Govt Business Payments Security 34
Slide 36: Environmental Social Governance
Environmental Social Governance 35
Slide 37: ESG Highlights – Environment
ESG Highlights – Environment Community Impact Operational excellence Restoring Water Bodies Waste Management Renewable Energy Adoption Solar Energy 30,497 kwh of solar energy generated from rooftop installations at Hyderabad Divisional Office, Namakkal Main Branch and Trichy Divisional Office during
Slide 38: ESG Highlights – Social
ESG Highlights – Social Livelihood & Skill Care for Elders Model Village Project Development Supporting Dignified elders care through Holistic Rural development initiative Employment linked training program for infrastructure focused on sustainable living underprivileged youth and women ❖ Healthcare
Slide 39: Governance
Governance 10 Directors 11 Board Level Committees 1 Nomination and Remuneration Committee Non-Executive Executive Non-Executive 2 Audit Committee of the Board 7 Independent Directors 2 Directors 1 Non independent 3 Risk Management & Asset Liability Management Committee Director 4 NPA Management Comm
Slide 40: Shareholding pattern and External Ratings
Shareholding pattern External Ratings Shareholding as on Dec 31,2025 Rating Agency Instrument Ratings A1+ Certificate of Deposit Promoter group, ( Reaffirmed) 2.07 % AA (Stable) Issuer Rating Mutual Funds, ( Reaffirmed) 32.24 % Resident Individuals, 36.84 % A1+ Certificate of Deposits (Reaffirmed) I
Slide 41: 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 11,559 Owned funds 3,
Slide 42: Thank You
Thank You www.kvb.bank.in 41
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