Karur Vysya Bank Ltd has informed BSE regarding "Transcript of the Conference Call held with respect to the Unaudited Financial Results of the Bank for the quarter and half year ended September ....
KARURVYSYA · price
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Karur Vysya Bank reported its Q2 FY26 results via a conference call held on October 17, 2025. Total business crossed INR 2 lakh crore, reaching INR 2,03,216 crores, up 15% year-on-year, with both advances and deposits growing 15% YoY. Net Interest Margin stood at 3.77%, within the guided range of 3.7%-3.75%. Net profit was INR 574 crores (up 17% YoY, 10% QoQ), with operating profit at INR 1,017 crores (up 25% YoY). The quarter included a one-time recovery of INR 295 crores from a technically written-off account. Fresh slippages rose to INR 350 crores, largely from two identified corporate accounts worth INR 218 crores, which management described as a one-time front-loaded recognition. Gross NPA edged up from 0.66% to 0.76%, while net NPA remained steady at 0.19%. ROA came in at 1.81%, better than the guided 1.5%-1.65% range. CRAR Basel III stood healthy at 16.58%, and cost-to-income ratio at 44.76%.
The earnings were largely positive with strong profit growth, healthy margins, and robust capital position. The maintained full-year guidance (NIM 3.7-3.75%, GNPA <1.5%, NNPA <1%, slippages <1%, ROA 1.5-1.65%) signals management confidence. The one-time recovery and front-loaded slippage recognition should lead to cleaner numbers ahead, though the slight uptick in slippages and gross NPAs warrant monitoring. Overall, the call reinforces a stable growth narrative with controlled risks.