Karur Vysya Bank Ltd (BOM:590003)

Q4 2026 Karur Vysya Bank Ltd Earnings Call Transcript

May 7, 2026 / 12:30 PM GMT

Release Date Price: ₹313.45 (+2.72%)

Transcript

Key Points

Positve

Karur Vysya Bank Ltd (BOM:590003) reported a robust growth trajectory with a total business increase of 15% year-on-year.
The bank's profitability remained strong, with a net profit growth of 29% for the full year, marking the highest in the bank's history.
Asset quality was well-maintained, with gross NPA marginally reduced to 0.75% and net NPA remaining at 0.19%.
The bank achieved a net interest margin (NIM) of 3.97% for the full year, slightly above the guidance provided.
Retail advances increased by 25% over the year, driven by significant growth in mortgage and dual loans.

Negative

The bank faced competitive pressures, particularly in the housing loan segment, leading to a modest growth of only 2%.
There was a conscious moderation in advances growth in the last quarter due to geopolitical tensions.
The bank anticipates a drop in net interest margins for the upcoming year due to expected rate increases in retail time deposits.
Higher slippages were observed in the retail and commercial segments, although these were proactively recognized.
The bank's guidance for credit growth is cautious, expecting only 1-2% growth over the industry average, reflecting a conservative outlook.

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

KARU.NS - Karur Vysya Bank Ltd
Q4 2026 Karur Vysya Bank Ltd Earnings Call
May 07, 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 Q4 FY26 Earnings Conference Call of the Karur Vaishya Bank.

We have with us today the Management Team of KVB represented by Mr. Ramesh Babu, MD and CEO, Mr. Shankar Balabhadrapatroni, Executive Director, Mr. Chandrasekaran, Chief Operating Officer and Mr. Ram Shankar, 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 star then zero on your touchstone phone.

Please note that this conference is being recorded.

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