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Investor Relations14 Oct 2025
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The Karur Vysya Bank (KARURVYSYA) investor relations material
The Karur Vysya Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary24 Jul, 2025
Executive summary
Total business reached ₹1,96,624 crore in Q1 FY26, up 15% year-over-year, with advances and deposits both growing 15%.
Net profit rose 14% year-over-year to ₹521 crore, with operating profit up 8% year-over-year.
Board approved a 1:5 bonus share issue, pending shareholder and regulatory approval, with a record date of August 26, 2025.
Maintained a strong pan-India presence with 888 branches and 2,226 ATMs as of June 2025.
Unaudited financial results for the quarter ended June 30, 2025, were approved by the Board on July 24, 2025.
Financial highlights
Net profit for Q1 FY26 was ₹52,145 lakhs, up from ₹45,865 lakhs in Q1 FY25.
Total income for Q1 FY26 was ₹301,580 lakhs, up from ₹267,288 lakhs in Q1 FY25.
Net Interest Margin (NIM) was 3.86%, down year-over-year but above guidance.
Cost to income ratio at 47.22%, within the target of below 50%.
Gross NPA at 0.66% and Net NPA at 0.19%, with Provision Coverage Ratio at 96.76%.
Outlook and guidance
Credit growth expected to exceed industry by 2% for the year; deposit growth to align accordingly.
Full-year NIM guidance maintained at 3.7%–3.75%.
Gross NPA and net NPA expected to remain below 1.5% and 1% respectively; slippages to stay under 1%.
ROA projected in the range of 1.55%–1.65% for the year, with some pressure expected in Q2 and Q3.
Focus on digital banking expansion, with 25% year-over-year growth in digital transactions and 92% of transactions served digitally.
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Next The Karur Vysya Bank earnings date
Q2 25/2617 Oct, 2025
Next The Karur Vysya Bank earnings date
Q2 25/2617 Oct, 2025
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