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The Karur Vysya Bank (KARURVYSYA) investor relations material
The Karur Vysya Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary17 Oct, 2025
Executive summary
Achieved 15% year-over-year growth in advances and deposits, with total business at INR 2,32,160 crore as of September 30, 2025, and net profit for Q2 at INR 574 crore, up 21% YoY.
Unaudited financial results for the quarter and half year ended September 30, 2025, were approved by the Board and subjected to a limited review with an unqualified report from joint auditors.
Growth, profitability, and asset quality remain strong and aligned with prior guidance, with GNPA at 0.76% and NNPA at 0.19%.
Bonus shares were allotted during the quarter, and EPS figures have been restated accordingly.
Cautiously optimistic outlook for H2 FY26, focusing on margin management and asset quality.
Financial highlights
Advances at INR 92,724 crore and deposits at INR 1,10,492 crore, both up 4% QoQ and 15% YoY; total income for Q2 FY26 was ₹332,029 lakhs, up from ₹285,601 lakhs in Q2 FY25.
Net profit for Q2 FY26 was ₹57,396 lakhs, up from ₹47,360 lakhs in Q2 FY25; operating profit for the quarter at INR 1,017 crore, up 25% YoY.
Net Interest Income grew 19% YoY to ₹1,261 crore for Q2; NIM at 3.77% for Q2, down 9 bps QoQ and 35 bps YoY.
Cost-to-income ratio for H1 at 44.76%, within the guided range; improved to 42.63% from 46.72% YoY.
CASA balances crossed INR 30,000 crore, up 4% QoQ and 8% YoY, with CASA ratio at 27.65%.
Outlook and guidance
Credit growth expected to be 2% above industry growth, with NIM guidance for FY26 at 3.7%–3.75%.
Gross NPA expected to remain below 1.5%, net NPA below 1%, and slippages below 1%.
ROA guidance for the year at 1.55%–1.65%.
Management highlights continued focus on digital transformation, sustainable growth, and asset quality.
Pillar 3 disclosures under Basel III, including NSFR, will be made available on the bank’s website.
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Next The Karur Vysya Bank earnings date
Q3 25/2619 Jan, 2026
Next The Karur Vysya Bank earnings date
Q3 25/2619 Jan, 2026
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