Karur Vysya Bank (KVB) has released its investor presentation focusing on the unaudited financial results for the second quarter and half-year ended September 30, 2025. The presentation provides insights into the bank’s performance, key ratios, and strategic initiatives driving growth across various sectors. This information gives investors a comprehensive view of KVB’s financial health and future outlook.
Financial Highlights for Q2 FY26
Karur Vysya Bank showcases strong financial performance in its Q2 FY26 investor presentation, with key figures demonstrating growth and stability. Business reached ₹2,03,216 crore, a 15% year-over-year increase and 4% quarter-over-quarter growth. Deposits totaled ₹1,10,492 crore, marking a 15% YoY and 4% QoQ rise. Advances grew to ₹92,724 crore, up 15% YoY and 4% QoQ. CASA deposits stood at ₹30,555 crore, with 8% YoY and 4% QoQ growth.
Key Performance Indicators
The bank’s Net Interest Margin (NIM) was reported at 3.77% for Q2 FY26. Operating Profit for the quarter stood at ₹1,017 crore, with the half-year figure reaching ₹1,823 crore. Net Profit for Q2 was ₹574 crore, and ₹1,095 crore for the half-year. The Return on Assets (ROA) was 1.81% for Q2, while the Return on Equity (ROE) reached 17.94%. GNPA improved to 0.76%, and the PCR stood strong at 96.76%.
Advances and Deposits Overview
Deposits reached ₹1,10,492 crore, a 15% YoY increase. Gross Advances reached ₹92,724 crore, also a 15% YoY increase. Total Business amounted to ₹2,03,216 crore, reflecting a 15% growth YoY. CASA deposits totaled ₹30,555 crore. Term Deposits accounted for ₹79,937 crore of the total deposits.
Focus on Digital Transformation
KVB is actively enhancing its digital capabilities, with significant adoption of its DLite mobile banking app. The app has achieved 6.7 million+ total downloads, 2.3 million+ monthly transactions, and 1.3 million+ monthly active users. Accounts opened through the platform have reached 4.1 Lakh. The bank emphasizes seamless login, easy navigation, and enhanced UI in its digital offerings.
Capital Adequacy and Asset Quality
The Capital Adequacy Ratio (CRAR) stood at 16.58%. Total capital reached ₹12,023 crore. Tier I capital was reported at ₹11,296 crore, and Tier II capital stood at ₹727 crore. Risk Weighted Assets (RWA) amounted to ₹72,498 crore. The bank maintains disciplined approach to managing stressed assets and ensures robust provision coverage.
Source: BSE
