Karur Vysya Bank Crosses ₹2 Lakh Crore in Business; Net Profit Up 21% in Q2 FY2025–26
The bank’s net profit for Q2 FY2025–26 rose 21.35% year-on-year to ₹574 crore, while half-yearly net profit increased 17.5% to ₹1,095 crore.
Chennai, October 17: Karur Vysya Bank (KVB) has announced strong financial results for the quarter and half year ended September 30, 2025, marking a milestone with total business surpassing ₹2,03,000 crore, supported by consistent growth in deposits and advances.
The bank’s net profit for Q2 FY2025–26 rose 21.35% year-on-year to ₹574 crore, while half-yearly net profit increased 17.5% to ₹1,095 crore. The strong performance was driven by healthy operating income and continued asset quality improvement.
Business Performance
- Total Business: ₹2,03,216 crore (↑15.4% YoY)
- Deposits: ₹1,10,492 crore (↑15.3% YoY)
- Advances: ₹92,724 crore (↑15.5% YoY)
- CASA Ratio: 27.65% (↑8.23% YoY)
Managing Director & CEO B. Ramesh Babu said,
“We are pleased to announce that the bank has achieved the significant milestone of ₹2 lakh crore in total business. This growth reflects the success of our management initiatives and inclusive expansion across business segments.”
Profitability & Ratios
- Pre-Provision Operating Profit (PPOP): ₹1,017 crore (↑24.6% YoY) in Q2
- Net Interest Income (NII): ₹1,122 crore (↑5.65% YoY, excluding one-off items)
- NIM: 3.77% for Q2 | 3.82% for H1
- ROA: 1.81% for Q2 | ROE: 17.94% for Q2
- Cost-to-Income Ratio: 42.63% (improved from 46.72% last year)
Asset Quality & Capital
- GNPA: 0.76% | NNPA: 0.19%
- Provision Coverage Ratio (PCR): 96.76%
- CRAR: 16.58% | Tier 1 Capital: 15.58%
Branch Network
KVB operates 895 branches, 1 Digital Banking Unit, and 2,225 ATMs/Cash Recyclers, with over 54% branches located in semi-urban and rural areas, strengthening its financial inclusion footprint.
