Karur Vysya Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

2,794.18

2,807.97

2,568.55

2,515.93

2,488.62

2,386.53

2,284.53

Income On Investments

497.82

467.18

417.51

421.40

422.76

393.22

385.09

Interest On Balances With Rbi Other Inter Bank Funds

5.23

7.11

15.52

9.82

2.32

3.71

4.27

Interest / Discount On Advances / Bills

2,286.37

2,329.21

2,130.63

2,080.45

2,058.07

1,978.66

1,888.04

Others

4.76

4.47

4.89

4.26

5.47

10.94

7.13

Other Income

508.95

512.32

447.25

509.33

464.82

469.48

388.35

Total Income

3,303.13

3,320.29

3,015.80

3,025.26

2,953.44

2,856.01

2,672.88

Interest Expended

1,554.93

1,546.79

1,489.20

1,426.67

1,407.22

1,324.05

1,260.18

Net Interest Income

1,239.25

1,261.18

1,079.35

1,089.26

1,081.40

1,062.48

1,024.35

Total Expenditure (Excl Depreciation)

742.86

756.12

721.10

763.62

730.95

715.72

666.85

Employee Cost

363.22

365.13

364.94

384.93

373.82

357.00

333.46

Other Operating Expenses

379.64

390.99

356.16

378.69

357.13

358.72

333.39

Operating Profit Before Provisions and Contingencies

1,005.34

1,017.38

805.50

834.97

815.27

816.24

745.85

Exceptional Items

0.00

Provisions and contingencies

104.77

274.37

118.14

161.40

147.44

179.83

132.94

Profit Before Tax

900.57

743.01

687.36

673.57

667.83

636.41

612.91

Tax

210.61

169.05

165.91

160.21

171.80

162.81

154.26

Profit After Tax

689.96

573.96

521.45

513.36

496.03

473.60

458.65

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

689.96

573.96

521.45

513.36

496.03

473.60

458.65

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

7.14

5.94

5.4

5.31

5.13

4.9

5.7

Diluted Earnings per share

7.14

5.94

5.39

5.31

5.13

4.9

5.7

Operating Profit Margin (Excl OI)

69.66%

63.3%

67.33%

63.23%

64.7%

62.47%

64.99%

Gross Profit Margin

32.23%

26.46%

26.76%

26.77%

26.84%

26.67%

26.83%

PAT Margin

24.69%

20.44%

20.3%

20.4%

19.93%

19.84%

20.08%

Net Interest Margin

3.99%

3.77%

3.86%

4.05%

4.04%

4.11%

4.14%

Return on Assets

0.0%

CASA (%)

27.23%

27.65%

27.48%

27.27%

28.41%

29.46%

30.37%

CASA Amount

31,199.00

30,555.00

29,306.00

27,832.00

28,167.00

28,232.00

28,042.00

Capital Adequacy Ratio (Total)

16.05%

16.58%

17.36%

18.17%

15.91%

16.28%

16.47%

Capital Adequacy Ratio (Tier 1)

15.06%

15.58%

16.33%

17.12%

15.03%

15.39%

15.58%

Provision Coverage Ratio (%)

96.56%

96.76%

96.81%

96.87%

96.09%

94.91%

Amount of Gross NPAs

686.94

708.00

592.60

641.80

690.92

885.61

1,024.53

Amount of Net NPAs

183.29

175.75

170.26

166.21

166.69

219.22

293.66

% of Net NPAs

0.19%

0.2%

0.28%

0.38%

% of Gross NPAs

0.71%

0.76%

0.66%

0.76%

0.83%

1.1%

1.32%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2211.0

2225.0

2226.0

2252.0

2197.0

2208.0

2253.0

Number of Branches

898.0

895.0

888.0

866.0

841.0

840.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is -0.49% vs 9.32% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 20.21% vs 10.07% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is -1.18% vs 26.30% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.05% vs 0.10% in Sep 2025

Compare Quarterly Results Of Karur Vysya Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,794.18

7,543.22

-4,749.04

-62.96%

Income On Investments

497.82

1,392.61

-894.79

-64.25%

Interest On Balances With Rbi Other Inter Bank Funds

5.23

87.44

-82.21

-94.02%

Interest / Discount On Advances / Bills

2,286.37

5,743.58

-3,457.21

-60.19%

Others

4.76

319.59

-314.83

-98.51%

Other Income

508.95

1,632.62

-1,123.67

-68.83%

Total Income

3,303.13

9,175.84

-5,872.71

-64.0%

Interest Expended

1,554.93

5,077.62

-3,522.69

-69.38%

Net Interest Income

1,239.25

2,465.60

-1,226.35

-49.74%

Total Expenditure (Excl Depreciation)

742.86

2,864.60

-2,121.74

-74.07%

Employee Cost

363.22

1,169.10

-805.88

-68.93%

Other Operating Expenses

379.64

1,695.50

-1,315.86

-77.61%

Operating Profit Before Provisions and Contingencies

1,005.34

1,233.62

-228.28

-18.5%

Exceptional Items

0.00

Provisions and contingencies

104.77

21.89

82.88

378.62%

Profit Before Tax

900.57

1,211.73

-311.16

-25.68%

Tax

210.61

260.11

-49.50

-19.03%

Profit After Tax

689.96

951.62

-261.66

-27.5%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

689.96

951.62

-261.66

-27.5%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

7.14

0.30

6.84

2280.0%

Diluted Earnings per share

7.14

0.30

6.84

2280.0%

Operating Profit Margin (Excl OI)

69.66%

61.73%

0.00

7.93%

Gross Profit Margin

32.23%

16.06%

0.00

16.17%

PAT Margin

24.69%

12.62%

0.00

12.07%

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%

Quarterly - Interest Earned

Interest Earned 2794.18 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -0.49% vs 9.32% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 12.28% vs 16.32% in Dec 2024

Quarterly - Net Profit

Net Profit 689.96 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 20.21% vs 10.07% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 39.10% vs 20.50% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,005.34 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -1.18% vs 26.30% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 23.31% vs 20.62% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.19%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 0.71%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.05% vs 0.10% in Sep 2025

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