Karur Vysya Bank Limited Q4 FY25 earnings call summary

Earnings call of 19 May 2025, summarised by AI from the filing.

Karur Vysya Bank reported Q4 FY25 net profit of ₹513 cr and FY25 net profit of ₹1,942 cr, with NIM guided at 3.7-3.75% for FY26.

Key takeaways

1. Net profit ₹513 cr for Q4 FY25; ₹1,942 cr for FY25.
2. NIM guidance NIM guided at 3.7-3.75% for FY26 due to expected rate cuts.
3. Corporate book Corporate book degrew 14% during the year; management expects it to recover once liability pressure eases.
4. RAM verticals RAM verticals grew 20% year-on-year, constituting 86% of overall advances portfolio.
5. Margin pressure Margin pressures expected in FY26 due to rate cuts and elevated deposit costs.

Original filing on BSE

Karur Vysya Bank Limited Q1 FY27 results

As filed: Revenue ₹3,049 cr, EBITDA ₹564 cr, PAT ₹756 cr, EBITDA margin 18.5%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹2,904 cr, EBITDA ₹373 cr, PAT ₹725 cr, EBITDA margin 12.9%. Not scored. Bank result format: not scored yet. Share price after the results: −8.5% in 29 days (Nifty 500: −2.9%).
• Q3 FY26: Revenue ₹2,794 cr, EBITDA ₹392 cr, PAT ₹690 cr, EBITDA margin 14.0%. Not scored. Bank result format: not scored yet. Share price after the results: +28.0% in 28 days (Nifty 500: +3.0%).
• Q2 FY26: Revenue ₹2,808 cr, EBITDA ₹231 cr, PAT ₹574 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet. Share price after the results: +9.8% in 28 days (Nifty 500: +1.0%).
• Q1 FY26: Revenue ₹2,569 cr, EBITDA ₹240 cr, PAT ₹521 cr, EBITDA margin 9.3%. Not scored. Bank result format: not scored yet. Share price after the results: −1.6% in 30 days (Nifty 500: −1.5%).
• Q4 FY25: Revenue ₹2,516 cr, EBITDA ₹165 cr, PAT ₹513 cr, EBITDA margin 6.5%. Not scored. Bank result format: not scored yet. Share price after the results: +9.8% in 30 days (Nifty 500: +0.3%).
• Q3 FY25: Revenue ₹2,486 cr, EBITDA ₹201 cr, PAT ₹496 cr, EBITDA margin 8.1%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹2,384 cr, EBITDA ₹164 cr, PAT ₹474 cr, EBITDA margin 6.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Karur Vysya Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (20 Jul 2026), Results deck (20 Jul 2026), Results press release (20 Jul 2026)
• Q4 FY26: Earnings call (7 May 2026), Results deck (7 May 2026)
• Q3 FY26: Earnings call (23 Jan 2026), Results deck (23 Jan 2026), Results press release (23 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (24 Jul 2025), Results deck (24 Jul 2025), Results press release (24 Jul 2025)
• Q4 FY25: Earnings call (19 May 2025), Results deck (19 May 2025), Results press release (20 May 2025)