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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
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
- Income rose, but profit and asset quality weakened amid recession and lower treasury gains.KARURVYSYA
Q4 98/99 - Record FY2000 profit growth came with stronger capital and persistent credit and spread pressures.KARURVYSYAQ4 99/00
- Strong deposit and loan growth offset weak yields and mounting asset-quality pressure.KARURVYSYAQ4 00/01
- Net profit rose 50.60%, while investment gains and rising NPAs shaped results.KARURVYSYAQ4 01/02
- Profit grew 15.17%, credit expanded 35.95%, and net NPAs fell to 4.20%.KARURVYSYAQ4 02/03
- Net profit rose 28.87% as business topped Rs.10,000 crore and net NPAs fell.KARURVYSYAQ4 03/04
- Growth and asset quality improved, but rising-yield charges cut FY05 net profit to Rs.105.34 crore.KARURVYSYAQ4 04/05
- Profit rose 28.49%, net NPA fell to 0.81%, and expansion plans accelerated.KARURVYSYAQ4 05/06
- Profit rose, net NPAs fell to 0.23%, and FY08 business target reached Rs. 21,020 cr.KARURVYSYAQ4 06/07
- Profit rose 30.2% as deposits and advances surged, with improved asset quality.KARURVYSYAQ4 07/08
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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