KARUR VYSYA BANK LTD. Q4 FY25 Results

Summary

Karur Vysya Bank has announced its financial results for the year ended 31st March 2025, showing a net profit growth of 20.99% YOY. The bank's total business grew by 14.08% YOY, deposits by 14.55% YOY, and loan book by 13.53% YOY. The bank's net interest margin stands at 4.09%, ROA at 1.73%, and ROE at 17.21%. The bank's gross non-performing assets (GNPA) have improved by 64 bps to 0.76%.

Key Highlights

1. 1

   Total Business up by 14.08% YOY and 2.51% for the quarter

2. 2

   Deposits up by 14.55% YOY and 2.94% for the quarter

3. 3

   Loan Book grew at 13.53% YOY and 1.99% for the quarter

4. 4

   Loans book under RAM grew at 19.79% YOY and 3.48 % for the quarter

5. 5

   CASA up by 2.76% YOY, CASA ratio stood at 27.27%

6. 6

   PPOP up by 19.81% YOY 17.61% QOQ

7. 7

   NIM at 4.09%, down by 11 bps YOY

8. 8

   Other Income up by 10.91% YOY

9. 9

   Cost to Income Ratio for the period is at 47.25%

10. 10

    ROA at 1.73% for the quarter

11. 11

    ROE at 17.21% for the quarter

12. 12

    GNPA at 0.76%, NNPA at 0.20%

13. 13

    Capital adequacy ratio (CRAR) stood at 18.17% with CET 1 ratio of 17.12%