Quarterly Result23 May 2025, 07:21 pm
Karur Vysya Bank Q4 FY '25: Maintains NIM at 4.05%, Deposits Cross 1 Trillion, Cautious on MFI Portfolio
AI Summary
Karur Vysya Bank has reported its Q4 FY '25 earnings, maintaining a Net Interest Margin (NIM) of 4.05% for the quarter and 4.09% for the full year. The bank's deposits have crossed the landmark figure of 1 trillion, with a 20% growth in term deposits and 3% growth in CASA. The bank has been cautious with its MFI portfolio, which is currently at 0.37% of the overall portfolio. The bank has also strengthened its monitoring mechanism using predictive analytics and tightened on-boarding norms for retail gold loans and housing loans.
Key Highlights
- Maintained NIM at 4.05% for Q4 FY '25 and 4.09% for the full year
- Deposits crossed 1 trillion with a 20% growth in term deposits and 3% in CASA
- Cautious approach towards MFI portfolio, currently at 0.37% of the overall portfolio
- Strengthened monitoring mechanism for retail gold loans and housing loans using predictive analytics
- Tightened on-boarding norms for retail gold loans and housing loans