Karur Vysya Bank Q1 FY26 Earnings Call: NIM Guidance at 3.7-3.75%
The announcement includes key financial results and future guidance, which are relevant to investors. The bonus issue has the potential to impact shareholder value.
The bank reported growth in total business, advances, and deposits, along with a proposed bonus issue, indicating a positive outlook.
* Karur Vysya Bank (KVB) reported that its total business reached ₹1,96,024 crore as of June 30, 2025, with a 15% year-on-year growth. * Advances grew to ₹89,374 crore and deposits increased to ₹1,06,650 crore. * RAM (Retail, Agri, Micro) segments now constitute 86% of total advances, growing 20% year-on-year. * Corporate book registered a 6% QoQ growth after two years of negative growth. * Retail jewel loans registered a 23% growth during the quarter. * CASA balances grew by 5% during the quarter. * The bank maintained its net interest margin (NIM) at 3.86%, a decrease of 19 basis points from the previous quarter. * Operating profit for the quarter stood at ₹805 crore, an 8% increase year-on-year. * Net profit for the quarter was ₹521 crore, a 14% increase year-on-year. * Gross NPAs declined sequentially from 0.74% to 0.66%. * The board has proposed a bonus issue of 1:5, subject to shareholder approval. * Management expects credit growth above 2% over the industry growth for the remaining quarters. * NIM for the full year is guided to be in the range of 3.7% to 3.75%. * GNPA is expected to be less than 1.5% and Net NPA less than 1%. * Slippages are expected to be less than 1% and cost to income aimed to be below 50%. * MD & CEO, Mr. Ramesh Babu mentioned the bank is focusing on managing margin pressures and closely monitoring asset quality and they are cautiously optimistic outlook for the Financial Year 2025-26.
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Karur Vysya Bank Limited filed this with the NSE as a statutory disclosure, categorised under results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Karur Vysya Bank Limited. Read the original for the full detail.