Karur Vysya Bank Ltd (BOM:590003)

Q3 2026 Karur Vysya Bank Ltd Earnings Call Transcript

Jan 23, 2026 / 12:30 PM GMT

Release Date Price: ₹265.35 (+0.66%)

Transcript

Key Points

Positve

Karur Vysya Bank Ltd (BOM:590003) reported a 20% quarter-on-quarter and 25% year-on-year increase in net profit, reaching 689.96 crore.
The bank achieved a net interest margin (NIM) expansion to 3.99%, surpassing the previous quarter by 22 basis points.
Advances and deposits grew by 17% and 16% year-on-year, respectively, indicating strong business growth.
The bank's gross NPA decreased slightly from 0.76% to 0.71%, showcasing improved asset quality.
The bank's return on assets (ROA) improved to 2.05%, up from 1.81% sequentially, reflecting enhanced profitability.

Negative

The bank experienced lower utilizations in sectors like textiles during the quarter, indicating potential sector-specific challenges.
Despite the growth, the bank faces heightened competition in the housing and vehicle loan segments, leading to a more cautious approach.
The cost of deposits may increase in the coming quarters as some deposits with lower pricing are set to be repriced.
The bank's unsecured portfolio, although small at 1.91% of total advances, still poses a risk if not managed carefully.
The bank's investment yields may face pressure as the benefit from rebalancing the investment portfolio might not sustain in the long term.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

KARU.NS - Karur Vysya Bank Ltd
Q3 2026 Karur Vysya Bank Ltd Earnings Call
Jan 23, 2026 / 12:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q3 FY26 earnings conference call of the Karo Vaisha Bank.

We have with us today the management team of KVB represented by Mr. Ramesh Babu, MD and CEO, Mr. Shankar Bala Bara Patroli, executive director, Mr. Chandra Shekharan, Chief Operating Officer, and Mr. Ramshankar, CFO.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. B

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