Q4 2025 Karur Vysya Bank Ltd Earnings Call Transcript
Key Points
- Karur Vysya Bank Ltd (BOM:590003) reported a 14% growth in total business, with advances and deposits both increasing by 14% year-on-year.
- The RAM (Retail, Agriculture, and MSME) verticals grew by 20% year-on-year, constituting 86% of the overall advances portfolio.
- The bank achieved a net profit of INR 513 crore for the quarter and INR 1,942 crore for the full year, indicating strong profitability.
- The bank's NIM (Net Interest Margin) was maintained at 4.05% for the fourth quarter and 4.09% for the full year, despite pressures.
- Karur Vysya Bank Ltd (BOM:590003) declared a dividend of 130%, up from 120% last year, subject to shareholder approval.
- The bank's corporate and institutional book saw a reduction of 14%, indicating a decline in this segment.
- Margins were under pressure throughout the year due to rising cost of funds and expected rate cuts.
- The bank's cost of deposits increased by 42 basis points from the previous year, impacting overall profitability.
- The precious metal division was wound up due to it not being ROA accretive, indicating challenges in this segment.
- The bank's CASA (Current Account Savings Account) growth was only 3% over the previous year, reflecting challenges in this area.
Ladies and gentlemen, good day and welcome to the Q4 FY25 earnings conference call of the Karur Vysya Bank. We have with us today the management team of KVB represented by Mr. Ramesh Babu, MD and CEO; Mr. Natrajan, Executive Director; Mr. Sankar Balabhadrapatruni, Executive Director; Mr. Chandrasekaran, Chief Operating Officer, and Mr. Ramshankar, CFO.
(Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. B. Ramesh Babu, MD and CEO, to take us through the highlights of the quarter gone by, after which we will open the floor for questions.
Thank you and over to you sir.
Thank you very much. Yeah, good evening to all of you. On behalf of Karur Vysya Bank, I welcome you all to our bank's earning call for the quarter for the financial year 2025. We have uploaded our financial results along with the presentation on our website. And I hope you have had a chance to go through it in detail
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