Karur Vysya Bank Ltd has submitted to BSE a copy of the Transcript of Conference Call held on July 20, 2026, at 6:30 P.M. (IST), in connection with the unaudited Financial Results of the ....

AI summary - Q1 FY27 total business grew 16% y-y to INR2.27tn; advances and deposits up 6% q-o-q - NIM at 4.26% (guidance 3.7-3.8% FY27); yield on advances 10.01%, cost of deposits up 4 bps - Operating profit INR1,096cr (+36% y-y, -12% q-o-q); net profit INR756cr (+45% y-y, +4% q-o-q) - Credit cost annualized 0.33%; GNPA 0.74%, net NPA 0.19%, CRAR 18.61% - Growth guidance: 1-2% above system for credit; NIM and asset quality guidance maintained - Retail advances grew 23% y-y; BNPL growth 2% q-o-q; gold loan yield ~11-12% - Branch expansion planned: 50 branches in H1 FY27; cost-to-income ratio expected 42-43% - Management cautious on margin pressure from competition; focus on CASA and retail deposits - ECL provisioning buffers strong; write-off recoveries variable; management transition planned