Karur Vysya Bank Ltd. Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

8,170.70

7,162.11

6,019.37

4,748.23

4,178.40

4,121.11

4,533.82

Income On Investments

1,382.51

1,201.07

977.36

806.74

683.40

722.09

874.15

Interest On Balances With Rbi Other Inter Bank Funds

27.86

10.30

18.41

71.74

105.48

35.84

111.41

Interest / Discount On Advances / Bills

6,746.21

5,927.20

5,019.43

3,866.03

3,387.35

3,357.06

3,521.10

Others

14.12

23.54

4.17

3.72

2.17

6.12

27.16

Other Income

1,468.52

1,320.22

1,029.84

758.13

559.29

734.97

807.63

Total Income

9,639.22

8,482.33

7,049.21

5,506.36

4,737.69

4,856.08

5,341.45

Interest Expended

4,590.92

3,991.45

3,205.63

2,292.00

2,172.96

2,374.20

2,776.36

Net Interest Income

3,579.78

3,170.66

2,813.74

2,456.23

2,005.44

1,746.91

1,757.46

Total Expenditure (Excl Depreciation)

2,220.08

2,113.52

1,881.35

1,477.62

1,380.12

1,407.54

1,304.07

Employee Cost

1,093.29

1,064.28

1,021.28

725.31

721.86

802.47

642.23

Other Operating Expenses

1,126.79

1,049.24

860.07

752.31

658.26

605.07

661.84

Operating Profit Before Provisions and Contingencies

2,828.22

2,377.36

1,962.23

1,736.74

1,184.61

1,074.34

1,261.02

Exceptional Items

0.00

Provisions and contingencies

497.28

460.21

435.54

745.92

554.88

718.30

1,059.40

Profit Before Tax

2,330.94

1,917.15

1,526.69

990.82

629.73

356.04

201.62

Tax

545.57

488.87

377.98

222.55

169.93

101.02

50.30

Profit After Tax

1,785.37

1,428.28

1,148.71

768.27

459.80

255.02

151.32

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,785.37

1,428.28

1,148.71

768.27

459.80

255.02

151.32

Face Value

2.0

Reserves

0.00

Diluted Earnings per share

7.14

5.13

5.12

3.6

2.32

0.43

0.19

Operating Profit Margin (Excl OI)

72.83%

70.49%

68.75%

68.88%

66.97%

65.85%

71.24%

Gross Profit Margin

0.0%

PAT Margin

21.85%

19.94%

19.08%

16.18%

11.0%

6.19%

3.34%

Net Interest Margin

3.99%

4.04%

4.32%

4.36%

3.68%

0.0%

3.33%

Return on Assets

0.0%

CASA (%)

27.23%

28.41%

31.53%

34.0%

36.0%

0.0%

31.0%

CASA Amount

31,199.00

28,167.00

27,012.00

25,800.00

24,127.00

0.00

19,063.00

Capital Adequacy Ratio (Total)

16.05%

15.91%

15.39%

17.62%

18.79%

18.52%

15.87%

Capital Adequacy Ratio (Tier 1)

15.06%

15.03%

13.87%

16.0%

16.76%

0.0%

14.14%

Provision Coverage Ratio (%)

96.56%

96.87%

94.81%

90.87%

78.81%

0.0%

65.43%

Amount of Gross NPAs

686.94

690.92

1,151.86

1,674.34

3,887.52

3,842.47

4,423.97

Amount of Net NPAs

183.29

166.69

305.27

550.43

1,355.57

1,263.11

1,945.68

% of Net NPAs

0.19%

0.2%

0.42%

0.9%

2.55%

4.13%

% of Gross NPAs

0.71%

0.83%

1.58%

2.7%

6.97%

7.37%

8.92%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2211.0

2197.0

2251.0

2233.0

2227.0

0.0

2212.0

Number of Branches

898.0

866.0

831.0

792.0

781.0

0.0

779.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 14.08% vs 18.98% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is 25.00% vs 24.34% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 18.96% vs 21.16% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.01% vs -0.22% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.12% vs -0.75% in Dec 2024

Compare Nine Monthly Results Of Karur Vysya Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

8,170.70

22,517.93

-14,347.23

-63.71%

Income On Investments

1,382.51

4,040.61

-2,658.10

-65.78%

Interest On Balances With Rbi Other Inter Bank Funds

27.86

313.26

-285.40

-91.11%

Interest / Discount On Advances / Bills

6,746.21

17,142.96

-10,396.75

-60.65%

Others

14.12

1,021.10

-1,006.98

-98.62%

Other Income

1,468.52

5,029.17

-3,560.65

-70.8%

Total Income

9,639.22

27,547.10

-17,907.88

-65.01%

Interest Expended

4,590.92

15,379.99

-10,789.07

-70.15%

Net Interest Income

3,579.78

7,137.94

-3,558.16

-49.85%

Total Expenditure (Excl Depreciation)

2,220.08

8,278.96

-6,058.88

-73.18%

Employee Cost

1,093.29

3,196.36

-2,103.07

-65.8%

Other Operating Expenses

1,126.79

5,082.60

-3,955.81

-77.83%

Operating Profit Before Provisions and Contingencies

2,828.22

3,888.15

-1,059.93

-27.26%

Exceptional Items

0.00

Provisions and contingencies

497.28

724.84

-227.56

-31.39%

Profit Before Tax

2,330.94

3,163.31

-832.37

-26.31%

Tax

545.57

756.14

-210.57

-27.85%

Profit After Tax

1,785.37

2,407.17

-621.80

-25.83%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,785.37

2,407.17

-621.80

-25.83%

Face Value

2.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

21.85%

10.69%

0.00

11.16%

Net Interest Margin

3.99%

2.60%

1.39

1.39%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

27.23%

34.00%

-6.77

-6.77%

CASA Amount

31,199.00

99,483.00

-68,284.00

-68.64%

Capital Adequacy Ratio (Total)

16.05%

14.50%

1.55

1.55%

Capital Adequacy Ratio (Tier 1)

15.06%

13.90%

1.16

1.16%

Provision Coverage Ratio (%)

96.56%

83.33%

13.23

13.23%

Amount of Gross NPAs

686.94

4,014.56

-3,327.62

-82.89%

Amount of Net NPAs

183.29

671.19

-487.90

-72.69%

% of Net NPAs

0.19%

0.30%

-0.11

-0.11%

% of Gross NPAs

0.71%

1.50%

-0.79

-0.79%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,211.00

1,351.00

860.00

63.66%

Number of Branches

898.00

1,328.00

-430.00

-32.38%

Nine Monthly - Interest Earned

Interest Earned 8170.7 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 14.08% vs 18.98% in Dec 2024

Nine Monthly - Net Profit

Net Profit 1,785.37 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 25.00% vs 24.34% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,828.22 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 18.96% vs 21.16% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.19%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.01% vs -0.22% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 0.71%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.12% vs -0.75% in Dec 2024