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The Karur Vysya Bank
The Karur Vysya Bank (KARURVYSYA) investor relations material
The Karur Vysya Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary15 Oct, 2026
Executive summary
Total business reached ₹2,39,712 crore at Sep. 30, 2026, up 18% YoY; advances rose 20% to ₹1,11,589 crore and deposits increased 16% to ₹1,28,123 crore.
Q2 net profit was ₹78,769 lakh, up 37% YoY; H1 net profit rose 41% to ₹1,54,339 lakh, with asset quality remaining strong.
Financial highlights
Q2 net interest income was ₹1,497 crore, up 19% YoY; H1 NII rose 25% to ₹2,920 crore.
Q2 operating profit increased 14% to ₹1,162 crore; H1 operating profit rose 24% to ₹2,258 crore.
Q2 provisions fell 57% YoY to ₹118 crore and H1 provisions declined 47% to ₹209 crore; Q2 PBT grew 41% to ₹1,044 crore.
Q2 total income was ₹3,670.21 crore and operating profit before provisions and contingencies was ₹1,162.20 crore.
Outlook and guidance
FY27 credit growth target is 18%-20%, with calibrated growth; management cautioned that 13% YTD advance growth is not a full-year indicator.
FY27 NIM guidance is 4%+; management expects to remain above 4% over the next two quarters, while acknowledging pricing pressure and lower margins than Q2.
FY27 ROA guidance is above 2%; GNPA below 1.5%, NNPA below 1%, slippages below 1% and cost-to-income below 45% over the next two quarters.
50 branches are planned for FY27: 20 opened in H1, with 26 more targeted before Q3 ends and the remainder by year-end.
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Latest events from The Karur Vysya Bank
- Q1 FY27 net profit rose 45% YoY to ₹75,570 lakh, with strong asset quality and capital ratios.KARURVYSYA
Q1 26/27 - Net profit up 29% YoY, strong asset quality, and robust digital and capital position.KARURVYSYAQ4 25/26
- Q3 net profit up 39% YoY, advances up 17% YoY, NIM at 3.99%, GNPA at 0.71%.KARURVYSYAQ3 25/26
- Strong growth, high digital adoption, and robust asset quality with 21% profit rise.KARURVYSYAQ2 25/26
- Q2 FY25 net profit rose 25% on 15% business growth, strong asset quality, and digital gains.KARURVYSYAQ2 24/25
- Net profit jumped 28% YoY, with strong margins, asset quality, and digital-driven growth.KARURVYSYAQ1 24/25
- FY25 net profit up 21% YoY, strong asset quality, capital ratios, and digital growth.KARURVYSYAQ4 24/25
- Q3 FY25 saw profit surge, strong growth, digital gains, and improved asset quality.KARURVYSYAQ3 24/25
- Strong growth, improved asset quality, and a 1:5 bonus share issue approved.KARURVYSYAQ1 25/26
Next The Karur Vysya Bank earnings date
Q3 26/2722 Jan, 2027
The Karur Vysya Bank
Next The Karur Vysya Bank earnings date
Q3 26/2722 Jan, 2027
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