Slides
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Investor Presentation Q2 FY 2026-2027
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This presentation has been prepared by Karur Vysya Bank Limited (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank and the information contained herein is only current as of its date and has not been verified by anyone else. All financial numbers are based on the Audited Financials or the Reviewed Financial results or based on Management estimates. Figures for the previous period(s) have been regrouped wherever necessary; totals in columns / rows may not agree due to rounding off. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person / entity based in India or in any other country. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. This presentation may contain statements that constitute forward-looking statements. All forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated. Factors that could cause actual results to differ materially include, inter-alia, changes or developments in the Bank’s business, political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. Except as otherwise stated, all of the information contained herein is indicative and is based on management information, current plans and estimates / projections. Any opinion, estimate or projection in the presentation constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. No representation or warranty, express or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Further, past performance is not necessarily indicative of future results. Anyone placing reliance on the information contained in this presentation or any other communication by the Bank does so at his / her / their own risk. Neither the Bank nor anyone else shall be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained in the presentation. The Bank may, at its sole discretion, alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify anyone of such change(s). This presentation is not to be distributed, redistributed, copied or disseminated in any manner whatsoever, either directly or indirectly. Forward-looking statements speak only as of the date they are made, and the Bank undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events that arise after the date the forward-looking statement was made. Safe Harbor Statement 2
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3 01 01 02 03 04 05 06 Financial Highlights & KPI’s Balance sheet Growth Asset Quality Capital Adequacy Other Financial Information Consistent Growth with Sustained Profitability and Asset Quality Digital Banking and ESG
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www.kvb.co.in 4 *After excluding one-off item of Rs. 28.35 Cr interest recovery from technically written off accounts during Q2 FY 2026-27 # After excluding one-off item of Rs. 52.98 Cr interest recovery from technically written off accounts during H1 FY 2026-27 Note: QoQ – Q2 FY27 vs Q1 FY27 & YoY – H1FY27 vs H1FY26 Advances 7 % QoQ20 % YoY 1,11,589 Deposits 5 % QoQ16 % YoY 1,28,123 GNPA (5) bps QoQ(7) bps YoY 0.69 % PCR (8)bps QoQ(63) bps YoY 96.13 % NNPA (1) bps YoY 0.18 % Operating Profit 6 % QoQ24 % YoY NIM - bps QoQ44 bps YoY H1 → 4.26 * % Q2 → 4.26 # % ROA (1) bps QoQ34 bps YoY ROE 23 bps QoQ293 bps YoY Net Profit 4 % QoQ41 % YoY CASA 4 % QoQ15 % YoY 35,265 Business 5 % QoQ18 % YoY 2,39,712 (1) bps QoQ H1 → 2,258 Q2 → 1,162 H1 → 20.05 % Q2 → 20.47 % H1 → 1,543 Q2 → 788 H1 → 2.11 % Q2 → 2.10 % Financial Highlights │ Profitability improves; Asset quality remains strong
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Particulars Quarter ended Half year Sept-26 (%) Sept-25 (%) Sept-26 (%) Sept-25 (%) Cost of Deposits 5.49 5.60 5.47 5.69 Yield on Advances 10.09^ 9.76* 10.05# 9.88* Cost of Funds 5.51 5.63 5.48 5.70 Yield on Funds 9.06^ 8.67* 9.02# 8.77* Spread on Funds 3.55^ 3.04* 3.55# 3.07* Net Interest Margin 4.26^ 3.77* 4.26# 3.82* Cost to income 39.85 42.63 40.53 44.76 Cost to Avg Assets 2.05 2.37 2.10 2.39 PPOP to Avg Assets 3.10 3.19 3.08 2.94 Return on Equity 20.47 17.94 20.05 17.12 Return on Asset 2.10 1.81 2.11 1.77 EPS (in Rs.) -Not Annualized for the quarter 8.15 5.94 15.97 11.34 5 Performance metrics- Key Ratios • After excluding one-off item of Rs. 139 Cr interest recovery from technically written off accounts during Q2 FY 2025-26 ^ After excluding one-off item of Rs.28.35 Cr # After excluding one-off item of Rs.52.98 Cr
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6 Profitability Metrics ROA % ROE % NIM % Cost to Income % 1.63 1.72 1.93 FY-24 FY-25 FY-26 15.98 16.28 17.79 FY-24 FY-25 FY-26 4.20 4.09 3.97 FY-24 FY-25 FY-26 42.63 42.49 37.27 41.79 39.85 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 48.26 47.25 42.96 FY-24 FY-25 FY-26 3.77% 3.99% 4.25% 4.26% 4.26% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 17.94 20.48 20.55 20.24 20.47 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 1.81 2.05 2.10 2.11 2.10 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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7 Performance Metrics ROA % ROE % Cost to Income % 8.68 8.93 8.80 5.23 5.61 5.56 FY-24 FY-25 FY-26 9.95 10.15 9.86 5.19 5.61 5.56 FY-24 FY-25 FY-26 Consistent improvement in PAT 9.76 9.77 9.93 10.01 10.09 5.60 5.47 5.41 5.45 5.49 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Yield on Advances Cost of Deposits 8.67 8.73 8.92 8.99 9.06 5.63 5.47 5.38 5.45 5.51 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Yield on Funds Cost of Funds Uptrend in EPS Yield on Funds & Cost of Funds % Yield On Advances & Cost of Deposits Performance Metrics 574 690 725 756 788 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 5.94 7.14 7.50 7.82 8.15 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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Particulars Quarter ended Half year Sept-26 Sept-25 Growth % (YoY) Sept-26 Sept-25 Growth % (YoY) Net Interest Income 1,497 1,261 19 2,920 2,341 25 Other Income 435 512 (15) 877 959 (9) - Fee income 290 253 15 561 504 11 - Others 145 259 (44) 316 455 (31) Total Income 1,932 1,773 9 3,797 3,300 15 Operating Expenses 770 756 2 1,539 1,477 4 - Employee expense 399 365 9 798 730 9 - Other operating expense 371 391 (5) 741 747 (1) Operating Profit 1,162 1,017 14 2,258 1,823 24 Provisions 118 274 (57) 209 393 (47) Profit Before Tax 1,044 743 41 2,049 1,430 43 Tax (net of DTA/DTL) 256 169 51 506 335 51 Net Profit 788 574 37 1,543 1,095 41 8 Profit & Loss Statement (₹ Crore)
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Particulars Sept-26 Sept-25 YoY (%) Capital & Liabilities Capital 193 193 - Reserves and Surplus 15,200 12,603 21 Deposits 1,28,123 1,10,492 16 Borrowings 2,321 2,517 (8) Other Liabilities and Provisions 4,994 4,294 16 Total 1,50,831 1,30,099 16 Assets Cash and Balances with RBI 5,691 5,905 (4) Balances with Banks 1,969 301 554 Investments (Net) 27,731 27,824 - Advances (Net) 1,11,015 92,185 20 Fixed Assets 513 511 - Other Assets 3,912 3,373 16 Total 1,50,831 1,30,099 16 9 Balance Sheet (₹ Crore) Total Assets Equity 1,30,099 1,35,567 1,36,604 1,44,364 1,50,831 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 12,796 13,473 14,108 14,932 15,393 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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03 04 05 06 02 Capital Adequacy Balance sheet Growth Asset Quality 01 Financial Highlights & KPI’s Other Financial Information Capital position remains comfortable to support growth Digital Banking and ESG 10
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11 Capital Adequacy (₹ Crore) CRAR % Risk Weighted Assets (INR crores) RWA/Total asset (%) Particulars Sept-26 Sept-25 Jun-26 CRAR (%) 17.97 16.58 18.61 Total capital 15,725 12,023 15,011 Tier I capital 15,154 11,296 14,500 Tier II capital 571 727 511 RWA 87,495 72,498 80,661 Credit risk 76,992 62,778 70,160 Operational risk 10,255 9,087 10,255 Market risk 247 633 244 49,084 61,125 66,261 75,697 87,495 Mar-23 Mar-24 Mar-25 Mar-26 Sept - 26 54% 58% 56% 55% 58% Mar-23 Mar-24 Mar-25 Mar-26 Sept -2616.79% 15.46% 17.12% 17.72% 17.32% 1.77% 1.21% 1.05% 1.04% 0.65% 18.56% 16.67% 18.17% 18.76% 17.97% Mar-23 Mar-24 Mar-25 Mar-26 Sept -26 Tier I Tier II Total CRAR %
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04 05 06 02 Capital Adequacy Asset Quality 01 Financial Highlights & KPI’s Other Financial Information Strong Balance sheet Growth: Advances up by 20 % YoY & Deposits 16 % YoY Digital Banking and ESG 03 Balance sheet Growth 12
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` Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % Deposits 1,28,123 1,10,492 16 1,22,587 5 Gross Advances 1,11,589 92,724 20 1,04,680 7 Total Business 2,39,712 2,03,216 18 2,27,267 5 Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % Demand Deposit 11,483 9,776 17 10,891 5 Saving Deposit 23,782 20,779 14 22,885 4 CASA 35,265 30,555 15 33,776 4 CASA (%) 27.52 27.65 - 27.55 - Term Deposit 92,858 79,937 16 88,811 5 Total Deposit 1,28,123 1,10,492 16 1,22,587 5 Granular Deposit growth: Total Deposits 16 % YoY, 5 % QoQ 13 Advances and Deposits (₹ Crore) Deposit Portfolio Deposits Advances 88,440 1,02,037 1,15,666 FY-24 FY-25 FY-26 74,423 84,491 98,754 FY-24 FY-25 FY-26 STRONG BALANCE SHEET GROWTH: ADVANCES 20 % YOY, DEPOSITS 16 % YOY 92,724 97,052 98,754 1,04,680 1,11,589 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 1,10,492 1,14,595 1,15,666 1,22,587 1,28,123 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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Term Deposits 72.48% Demand Deposits 8.96% Savings Deposits 18.56% 78 % of Total Term Deposits* are < Rs.5 Cr * Term Deposit here do not include Term Deposits by Banks, FCNR deposits and Certificate of Deposits (CD’s)14 Liability Franchise │ Predominantly Retail Deposit Breakup Term Deposit-Amount wise* 27.52 72.48 CASA % Term Deposit 16 %YoY 4.56 % QoQ 15 %YoY 4.41 % QoQ Deposit split by type < Rs.15 Lakhs 46% ≥ Rs.15 Lakhs to < Rs.1 Cr 20% ≥ Rs.1 Cr to < Rs.5 Cr 13% ≥ Rs.5 Cr 22% < Rs.15 Lakhs ≥ Rs.15 Lakhs to < Rs.1 Cr ≥ Rs.1 Cr to < Rs.5 Cr ≥ Rs.5 Cr
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Advance Mix Sept-26 Sept-25 YoY % Jun-26 QoQ % Commercial 39,407 33,209 19 36,459 8 Retail (Personal Banking) 29,024 24,023 21 27,770 5 Agriculture 27,145 22,614 20 26,095 4 RAM Verticals 95,576 79,846 20 90,324 6 Corporate 16,013 12,878 24 14,356 12 Gross Advances 1,11,589 92,724 20 1,04,680 7 Corporate Credit Substitutes 1,790 1,080 66 1,289 39 Total 1,13,379 93,804 21 1,05,969 7 15 Consistent and Credible Progress │ RAM- led Growth Continues (₹ Crore) RAM Advances Gross Advance Mix 79,846 83,388 85,260 90,324 95,576 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 33% 34% 36% 35% 36% 23% 24% 25% 26% 26%23% 23% 25% 25% 24%21% 19% 14% 14% 14% Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Commercial Retail ( Personal Banking) Agriculture Corporate
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Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % Housing loan 8,123 8,289 (2) 8,120 - Retail-Jewel loans 6,193 4,800 29 6,252 (1) Mortgage (LAP) loans 11,264 7,413 52 10,041 12 Vehicle loans 728 929 (22) 775 (6) Consumer Credit - BNPL 783 904 (13) 812 (4) Personal loans 278 251 11 250 11 Education loans 126 148 (15) 128 (2) Deposit Loans 938 740 27 811 16 Other Retail loans 592 550 8 581 2 Total Retail Portfolio 29,024 24,024 21 27,770 5 BNPL-Buy Now Pay Later 16 Retail Advances grew by 21 % YoY to ₹ 29,024 Cr Retail Portfolio │ Retail Growth Anchored by Secured Products (₹ Crore)
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17 Commercial Banking (₹ Crore) Ticket size of Commercial book Commercial Advances MSME Bank of the Year-Private Winner and Best SME lending-Runner Up at 12th Global SME Excellence Awards 2025-26 by Assocham 1 Commercial Advances grown by 8% QoQ 2 Average Ticket size of Commercial book at account level increased from Rs. 66.1 lakhs in Sep 2025 to Rs. 72.7 lakhs in Sep 2026 3 67 % of Commercial loans are less than Rs. 5 Cr 4 88% of Small Business Group customers are under sole banking 1 55% of Business Banking customers are under sole banking 2 RM channel has been introduced for small ticket loans in the MSME hotspots 3 CRM module has been introduced for sharing the leads, monitoring and timely conversion into business 4 < 5 crore 67% ≥ 5 crore < 10 crore 13% ≥ 10 crore 20% 5 6 7 8 33,209 34,347 34,279 36,459 39,407 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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Jewel loan Composition Jewel Loan movement in control Jewel loan Portfolio │Jewel Loans Continue to Scale with Controlled Risk Metrics Segment Portfolio (In Cr.) SMA 30+ LTV ( %)Sept-26 Sept-25 Jun-26 Agri Gold loan 24,887 13 10 7 67 Non-Agri Gold Loan 7,266 13 7 10 59 Total 32,153 26 17 17 65 Jewel Loan portfolio grown by 23.03 % YoY and 2.5% QoQ Portfolio maintained at ≤ 30 % of the total Advances for the last 5 years SMA 30+ Stable at 0.08% 18 20,590 21,635 22,704 23,894 24,887 5,544 6,093 6,788 7,474 7,266 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Agri Jewel Loan (Rs Cr) Non-Agri Jewel Loan (Rs Cr) 26,134 27,728 29,492 31,368 32,154 28% 29% 30% 30% 29% 27% 28% 28% 29% 29% 30% 30% 31% 0 5000 10000 15000 20000 25000 30000 35000 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Total Jewel Loan % of Advance
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29% 28% 26% 27% 28% 40% 41% 43% 44% 44% 28% 28% 28% 27% 26% 3% 3% 3% 2% 2% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 A & above BBB BB <BB 1,693 1,704 1,407 1,123 799 1,1802.98% 2.66% 1.89% 1.33% 0.81% 1.06% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Amount ≥ 175 Cr % on advance Particulars Sept-26 Sept-25 YoY % Jun-26 QoQ % Corporate Advances 17,190 12,878 24 14,356 12 Corporate Credit Substitutes 1,790 1,080 66 1,289 39 Total 18,980 13,958 28 15,645 14 19 Corporate Banking (₹ Crore) Standard Corporate Advances O/S ≥ 175 Cr. Breakup Of Corporate Book Internal Rating Distribution Of Corporate Book Corporate Book 37% 35% 19% 9% < 50 cr >= 50 cr < 100 cr >=100 cr <175 cr >= 175 cr 15% 56% 24% 5% Consortium MBA Sole Banking Govt/PSU
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20 Investment Portfolio │Steady growth, Stable yields, Conservative risk positioning Gross Investments (Rs. crore) Portfolio Mix (₹ Crore) Modified Duration 4.14 Years Gross Investment ₹ 28,104 Cr Yield on Investment-Q2 6.79 % Modified Duration (Years) AFS HFT HTM FVTPL Total 4.04 4.97 4.18 3.44 4.14 Gross Investments (Rs. crore) Portfolio Mix Duration Yield on Investments-Quarterly Investment composition 28,198 30,156 29,394 29,576 28,104 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 HTM 70.65% AFS 27.34% HFT 0.56% FVTPL 1.45% 89.64% 1.02% 9.34% SLR Shares Debentures/CD/MF/CP/SR 6.60% 6.64% 6.83% 6.83% 6.79% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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05 06 02 Capital Adequacy 03 Balance sheet Growth 01 Financial Highlights & KPI’s Other Financial Information NPA remains low and Consistent Digital Banking and ESG 04 Asset Quality 21
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Bank Maintaining high Asset Quality with GNPA 0.76 % and NNPA 0.19 % 22 Asset Quality Remains high with GNPA 0.69% and NNPA 0.18 % Quarterly Slippage Ratio 0.44 % Quarterly Credit Cost 0.43 % GNPA 0.69 % ₹ 765 Cr NNPA 0.18 % ₹ 199 Cr NPA Trend % GNPA Movement Q2 FY27 Slippage and Credit Cost % 0.76% 0.71% 0.75% 0.74% 0.69% 0.19% 0.19% 0.19% 0.19% 0.18% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Gross NPA% Net NPA% 0.75% 0.67% 0.57% 0.75% 0.44% Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Slippage Ratio (%) 1.45% 0.65% 0.71% 0.77% 0.43% Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Credit costs % 772 123 -75 -54 765 Jun-26 Fresh Slippages Upgrades Write offs Sep-26
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Bank Maintaining high Asset Quality with GNPA 0.76 % and NNPA 0.19 % 23 Strong provisioning and controlled stress SMA 30+ 0.22 % Of Total Advances PCR 96.13 % Market PCR 73.72 % Stress Book Ratio 0.40 % Of Total Assets Stress Book Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Asset 674 646 619 613 590 % of Total Assets 0.52 0.48 0.45 0.42 0.40 PCR and Market PCR % Stress Book Trend 92.14 94.85 96.81 96.45 96.13 65.62 70.12 73.89 74.63 73.72 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Provision Coverage Ratio % Market PCR (excl technical write off) 468 433 403 387 373 176 183 186 196 199 30 30 30 30 18 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Standard Restructured Assets (Rs Cr) Net NPA (Rs Cr) Net Security Receipts (Rs Cr)
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Particulars Quarter ended Half year Sep-26 Sep-25 Sep-26 Sep-25 NPA 45 261 113 375 Standard Assets 27 10 48 30 Restructured and other Advances 21 (18) 18 (32) Floating provisions 25 - 25 - NPI and others - 21 4 20 Total Provisions (excl. Tax) 118 274 209 393 Tax Provision 256 169 506 335 Total Provisions 374 443 715 728 24 Provisions breakup (₹ Crore)
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Particulars Sep-26 Sep-25 Jun-26 Gross NPAs Opening Balance 772 593 744 Additions during the period ( + ) 123 ( + ) 350 ( + ) 138 Reductions during the period ( - ) 129 ( - ) 235 ( - ) 110 -Of which Recoveries/Upgradation 75 84 60 Write offs/Tech Write offs 54 151 50 Closing Balance 765 708 772 Provisions Opening Balance 574 421 555 Provision made during the period ( + ) 75 ( + ) 292 ( + ) 89 Write off/Write back of excess provision ( - ) 85 ( - ) 182 ( - ) 71 -Of which Recoveries/Upgradation 31 31 21 Write off/Write back of excess provision 54 151 50 Closing Balance 564 531 574 Net NPAs 199 176 196 Asset quality parameters Sep-26 Sep-25 Jun-26 Gross NPA (%) 0.69 0.76 0.74 Net NPA (%) 0.18 0.19 0.19 25 Movement of NPA -Quarterly (₹ Crore)
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Vertical Advances O/s. Sep-26 NPA as on Jun-26 NPA Additions Q2 NPA Reduction Q2 NPA as on Sep-26 Provisions Sep-26 Net NPA Sep-26Recoveries / upgradation Tech W/off Commercial 39,406 323 65 50 4 335 198 135 Retail (Personal Banking) 29,024 118 48 20 8 139 87 52 Agriculture 27,145 109 10 4 42 73 61 12 Corporate 16,013 219 - 1 - 218 218 - TOTAL 1,11,588 772 123 75 54 765 564 199 Particulars Sep-26 Aug-26 Jul-26 Term Loan (%) 99.00 99.10 99.20 Working Capital (%) 99.60 99.80 98.10 Particulars Sep-26 Sep-25 Amt % of Adv Amt % of Adv SMA 1 118 0.11 169 0.18 SMA 2 124 0.11 82 0.9 SMA 30+ 242 0.22 252 0.27 26 Vertical wise NPA (₹ Crore) Collection efficiency Special mentioned Accounts-Entire Portfolio
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Restructured Accounts -Scheme wise Sep-26 Sep-25 Jun-26 Standard NPA Standard NPA Standard NPA Resolution Framework - 2.0 207 6 264 6 220 6 COVID 19 - Resolution Framework 121 1 146 2 121 1 MSME 45 0 58 1 46 1 Others* - 4 - 12 - 4 Total 373 11 468 21 387 11 * Others include restructured accounts due to stress, natural calamities and extension of DCCO. Restructured Accounts-Vertical wise Sep-26 Sep-25 Jun-26 Standard NPA Standard NPA Standard NPA Commercial 86 3 113 2 90 3 Retail (Personal Banking) 181 4 238 7 193 4 Agriculture 2 - 3 - 1 - Corporate 104 4 114 12 103 4 Total 373 11 468 21 387 11 27 Restructured Accounts (₹ Crore)
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Quarterly Movement Sep-26 Sep-25 No. of Borrowers Amt. No. of Borrowers Amt. Position at the beginning of the period 1,111 387 1,466 506 A. Additions during the period - - - - B. Additions in existing A/c’s - 13 - 5 C. Additions through upgradation from NPA 5 1 10 4 Total Additions ( A+B+C) 5 14 10 9 D. Recovery & Closure of Accounts 62 9 88 22 E. Accounts upgraded - - - F. Recoveries during the period 17 - 23 G. Slippages during the period 15 1 25 2 Total Deletions ( D+E+F+G) 77 28 113 47 Position at the end of the period 1,039 373 1,363 468 28 Movement of Standard Restructured Advances for the Year (₹ Crore) Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 1.52 0.96 0.64 0.41 0.33 Restructured Advances as % of Total Advances O/s Balance of Standard Restructured Advances 1,640 976 715 537 403 373 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26
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S. N. Sectors Amount Sep-26 Sep-25 1 Housing 138 166 2 Real Estate 61 82 3 Wholesale and Retail Trade 12 17 4 Textile 32 35 5 Personal 11 19 6 Infrastructure 6 10 7 Hotels and Restaurants 19 22 8 All Engineering 3 5 9 Food & Food Processing 9 10 10 Auto/Vehicle 6 12 11 Transportation 3 5 12 Wood & Wood Products 1 4 13 Education Loan 1 2 14 Gems and Jewelry 3 4 15 Construction 0 1 17 Others 68 74 Total 373 468 % to Total Advances 0.33 0.50 29 Sector-wise Standard Restructured Advances (₹ Crore)
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06 02 Capital Adequacy 03 Balance sheet Growth 01 Financial Highlights & KPI’s 04 Asset Quality Additional Financial and Business Insights Digital Banking and ESG 05 Other Financial Information 30
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Business per Employee 17.28 18.14 18 18.91 21.7 2021-22 2022-23 2023-24 2024-25 2025-26 Breakup of Manufacturing Sector of Rs. 23,028 Cr (21%) Advances-Sectoral Composition Gross Advance of Rs. 1,11,589 Cr Agri-jewel 24% Manufacturing 21% Personal Loan 11%Trade 11% Commercial Real estate 7% Non Agri jewel 7% NBFC 3% Agri (excluding Jewel) 1% Bills 1% Others 14% Textiles 5% Infrastructure 3% Food Processing 2% Paper and Wood products 1% Gems and Jewellery 1% Basic Metal and Metal Products 1% All Engineering 1% Construction 1% Chemical and Chemical products 1% Mining and Quarrying 1% Others 2% 31
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02 Capital Adequacy 03 Balance sheet Growth 01 Financial Highlights & KPI’s 04 Asset Quality Digital Adoption Driving Scale, Efficiency and Customer Engagement 05 Other Financial Information 06 Digital Banking and ESG 32
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❖ Enhanced UI ❖ Pay to Contacts ❖ Dynamic Offers ❖ Easy Navigation ❖ Search Button ❖ Instant Video KYC ❖ Seamless Login ❖ Single pay button ❖ Set favorites Enhanced Features 33 DLite Banking UPI pin reset through Aadhaar Face Authentication Dlite-UPI Txn based on biometric Authentication UPI Help 2.0(Transaction status check and track complaints) Nominee and Appointee Details for Social Security Schemes Recent launches Accounts Opened 4.24L Avg Daily Txns 72.7 K Registrations 33.11 L Users
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KVB Corp Mobile Banking app Enhanced Features 34 KVB Corp Mobile App Available in Launch of “KVB Corp”, a dedicated mobile banking application developed exclusively for the Corporate customers Loan Services Corporate, Retail and Deposit loans Tax Payments Tax payment enquiry, Income tax and GST payments Deposits Term Deposits and Recurring deposits E-Services E statements, View Form 26 AS, Mutual funds, Track request and more Profile Management Security & Login, Session summary, My Limits Alerts and Much more Alerts, Credit card, Gift card balance enquiry and more Account Activities Account and Cheque related services Payments IMPS/NEFT/RTGS/MMID etc, Managing standing instructions
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Of the transactions served Digitally Digital Initiatives 35 Digital Banking DLite-UPI transaction based on Authentication CRM Extending to Corporate & Institutional Business Group UPI Help 2.0 (Transaction status check and track complaints) Online processing of NACH mandates, inquiries and CTS cheque image retrieval for improved efficiency Nominee and Appointee Details for Social Security Schemes Count of UPI Transactions (Quarterly) (in lakhs) Transactions Served Digitally 98% UPI pin reset through Aadhaar Face Authentication 3,970 4,043 4,157 4,575 4,699 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
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Digital Migration Growth in Digital Transactions YoY Mobile Banking Volume & TXN count APIs made available 2,353 RPAs Running 15+ Re-KYC Through MB 28K+ Bill Payments 7.6Cr Total For the quarter 4,498 4,721 5,047 5,193 174.88 131.93 129.34 131.67 96% 97% 98% 98% 85% 87% 89% 91% 93% 95% 97% 99% 0.00 1000.00 2000.00 3000.00 4000.00 5000.00 6000.00 2025-2026 Q3 2025-2026 Q4 2026-2027 Q1 2026-2027 Q2 Branch vs digital transactions (in lakhs) Digital Transaction Branch Transaction Digital Share 3,33,833 3,68,121 3,57,112 3,74,185 68 69 65 67 63 64 65 66 67 68 69 310000 320000 330000 340000 350000 360000 370000 380000 2025-2026 Q3 2025-2026 Q4 2026-2027 Q1 2026-2027 Q2 Value (in lakhs) Count volume Daily avg. Transactions 72.7K Total Downloads 7.74M KVB DLite Mobile Banking app App Rating Monthly Active Users 1.3M+ Accounts opened 4.24L 4.8 4.6App Rating 36
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Strong presence in India’s fast growing hinterland Category Branch Count CBU BBU ARB Other offices Metro 236 9 10 8 8 Urban 185 3 Semi Urban 361 1 Rural 139 Total 921 9 14 8 8 BC Outlets 349 BBU – Business Banking Unit CBU – Corporate Business Unit ARB – Asset Recovery Branches Other offices -Digital Banking Unit, Open Market . Channel, Precious Metal Division and Smart . Category Sep-26 Jun-26 Mar-26 Branches 921 903 901 ATM’s + Cash Recycler’s 2,192 2,169 2,213 1 1 21 510 1 7 1 1 14 5 68 156 7 56 1 27 15 4 1 5 7 12 PAN India presence with strong regional network 37 Branch Split 26% 20% 39% 15% Metro Urban Semi Urban Rural
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Service Support Business Support Channel Partners Payment aggregators Govt Business Payments Security ASSETS LIABILITIES 38 Digital Partnerships │Strategic Partnerships driving Digital banking experience
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39 Awards and Accolades received during H1-FY’27 IBEX INDIA BFSI – Tech Awards 2026 ❑ Digital CX Trailblazer - Winner 6th edition of BFSI Excellence awards 2026- Collection & Recovery Edition-Quantic India ❑ Collections Transformation Leader of the Year (Banking) ❑ RiskTech Leadership- Winner ❑ Tech-Driven Operational Excellence Award- Sliver (Runner Up) ❑ Cyber Security team of the year- Winner ❑ Cyber Security team of the year- Winner ❑ Identity & Access Management of the year-Runner Up Best Small Indian Bank by Business Today 3rd consecutive year 5th IBA CISO Summit & Citations 2026
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ESG RISK AI 67 Strong NICHE99 77 40 ESG Highlights │ Embedding ESG into Core Banking Strategy IGBC Green Existing Building Certification IGBC Platinum Certified: KVB Central Office awarded the prestigious Platinum Certification by the IGBC IGBC Founding Member: KVB officially becomes a Founding Member of the Indian Green Building Council (IGBC) Core Focus: sustainable building practices, energy efficiency and environment Risk Management Framework: ESG considerations are integrated into the Bank's overall risk management framework, governance architecture, and strategic planning processes. Risk Appetite: Set qualitative risk appetite statement for climate risk in the ICAAP document. Policy: ESG aspects have been incorporated into the Bank's Credit Policy. The Bank has also established an ESG due diligence framework, ensuring that ESG factors are thoroughly evaluated during the credit sanctioning process. The Bank continues to assess ESG- related aspects while investing in IPOs and Bonds, and it is reviewed periodically to align with regulatory guidelines. Stress Testing: The Bank has included scenarios related to climate risk in stress testing and consideration of ESG risks while evaluating capital adequacy. Integration of ESG in Risk Management Benchmarked Excellence: CRISIL ESG RATINGS 74 NSE Sustainability Ratings 80
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41 ESG Highlights │ Embedding ESG into Core Banking Strategy • 38,546 kwh of Solar energy generated from rooftop installations at various Hyderabad Divisional Office, Namakkal Main Branch, Trichy Divisional Office and Batlagundu branch Divisional Offices and Branches during Q2 FY 2026-27. • 9,44,304 kwh of wind energy generated from Bank-owned windmill at Theni during Q2 FY 2026-27. • Contributed towards reducing carbon footprint and improving urban environmental quality • During the reporting period, the bank has conducted 91 Financial Literacy Campaigns benefiting 1,339 individuals • Initiatives focus on inclusive growth, Community development and Sustainable livelihoods • Driving sustainable communities through clean energy, water security and inclusive civic support • People-Centric Culture: Employees training on Diversity & Inclusion, Ethics, Employee Well being & Leadership skills Environment Social
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42 ESG Highlights │ Embedding ESG into Core Banking Strategy Palm Livelihood for Empowerment among Rural & Marginalized Communities The project strengthened livelihoods and resilience among palm-based communities. Vocational training for 20 women artisans, MSME registration for 51 participants, and safety training and tool distribution for 51 Palmyrah climbers, along with strengthened government linkages for livelihood opportunities. 25 women completed MSME registration supporting business formalisation and market access; and 30 palm climbers enrolled under PMSBY, strengthening financial protection. These milestones advance entrepreneurship, women’s economic empowerment, financial inclusion and social protection towards sustainable livelihoods. Habitat for Humanity India’s Solar SME assessed 21 project schools, conducted O&M orientation for school staff, and developed Do’s & Don’ts boards in English and Tamil, reviewed by the donor for school display reinforcing safe, responsible and sustainable use of solar systems. Improved access to Education Facilities through Solar Installation in Govt. Schools, Chengalpattu & Kanchipuram: A newly constructed check dam with 75,000 Cu.M storage capacity has empowered 100+ tribal farming families to begin paddy transplantation across 136 acres in D. Muluga Village, Parvathipuram Manyam District, Andhra Pradesh. Complementing this, 2 farm ponds (3,800 Cu.M capacity each) covering 21 acres have benefited 11 farm families directly with 2 farmers generously sharing their water to support 9 others, ensuring uninterrupted cultivation for all. Improving Lives of Marginal Communities through Sustainable Livelihoods, Parvathipuram, Andhra Pradesh.
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43 ESG Highlights │ Embedding ESG into Core Banking Strategy Development of Sponge Park at Tambaram The Sponge Park at Mullai Nagar, Tambaram, attracts around 300 visitors daily and acts as a water absorption space with an approximate capacity of 3–6 lakh litres during major storm events, supporting groundwater recharge and urban flood resilience. Financial Literacy Programme Empowering Through Financial Literacy Under CSR, the financial literacy program reached 11,835 beneficiaries in Karnataka and 13,018 in Tamil Nadu. Integrating Skill Building and Entrepreneurship Development 50 women from vulnerable backgrounds have begun their journey towards financial independence through Basic Tailoring Training and a Women-led Enterprise Unit in Ramanathapuram, promoting sustainable livelihoods and entrepreneurship. 210 children living with Type 1 Diabetes have received life-saving insulin support, ensuring uninterrupted treatment and improved quality of life. Changing Lives of Underprivileged Children
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Nomination and Remuneration Committee 2 Audit Committee of the Board Risk Management & Asset Liability Management Committee NPA Management Committee Customer Service and Stakeholders Relationship Committee Special Committee for Fraud monitoring Review Committee for willful defaulter and Large Defaulters CSR and ESG Committee IT Strategy and Digital Transaction Monitoring Committee Management Committee of the Board Non-Executive Independent Directors Executive Directors 44 Governance │ Disciplined Governance driven by Independent Board and Committees 11 Board Level Committees9 Directors 27 As on September 30, 2026, Board has optimum combination of 9 Directors with diverse skills sets relevant for the Banking Business in tune with Board Diversity Policy of the Bank as follows: 7 Independent Directors 2 Whole Time Directors (MD & CEO and ED) The Board consists of 7 independent directors including 3 women directors, with one serving as the part-time Chairperson of the Bank 72% of Board Committees are chaired by Independent Directors Independent Directors constitute 78% of the Board’s total strength For FY 2025–26, the Bank voluntarily published its 5th Integrated Annual Report, along with its 3rd GRI Content Index The Bank has designated the Senior Independent Director as the Lead Independent Director 1 3 4 5 6 7 8 9 10 11 Human Resources Committee Women Directors 3
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Share Holding as on 30 Sep 2026 External ratings Rating Agency Instrument Ratings Certificate of Deposit A1+ ( Reaffirmed) Issuer Rating AA (Stable) ( Reaffirmed) Certificate of Deposits A1+ (Reaffirmed) Short Term Fixed Deposits A1+ Fixed Deposits AA (Stable) 45 Shareholding pattern External Ratings Diversified Shareholding Strengthens Stability High Confidence from Leading Rating Agencies Promoter group 2% Mutual Funds 33% Insurance Companies 8%Foreign Portfolio Investors 18% Resident Individuals 34% Others 4% Promoter group Mutual Funds Insurance Companies Foreign Portfolio Investors Resident Individuals Others
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Year 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26 Paid up Capital 122 145 160 160 160 160 160 161 161 193 Reserves 4,723 6,066 6,205 6,440 6,760 7,308 8,264 9,687 11,559 13,915 Owned funds 4,845 6,211 6,365 6,600 6,920 7,596 8,584 9,848 11,720 14,108 Basel III (%) 12.54 14.43 16.00 17.17 18.98 19.46 18.56 16.67 18.17 18.76 Deposits 53,700 56,890 59,868 59,075 63,278 68,486 76,638 89,113 1,02,078 1,15,666 Advances 41,435 45,973 50,616 48,516 52,820 56,876 64,168 74,423 84,491 98,754 Total Business 95,135 1,02,863 1,10,484 1,07,591 1,16,098 1,25,362 1,40,806 1,63,536 1,86,569 2,14,420 Total Income 6,405 6,600 6,779 7,145 6,389 6,357** 7,675 9,863 11,508 13,159 Operating Profit 1,571 1,777 1,711 1,761 1,291 1,630** 2,476 2,829 3,212 4,075 Net Profit 606 346 211 235 359 673 1,106 1,605 1,942 2,510 Return on Assets (%) 1.00 0.53 0.31 0.32 0.49 0.86 1.27 1.63 1.72 1.93 Cost of Deposit (%) 6.60 5.99 5.80 5.76 4.96 4.30 4.27 5.19 5.61 5.56 Yield on Advance (%) 11.34 10.30 9.75 9.63 8.93 8.47 8.93 9.95 10.15 10.02 EPS (In Rs.) 9.951 4.78 2.64 2.94 4.50 8.42 13.81 19.99 20.10 25.98 Book Value(In Rs.) 79.51* 85.49 79.63 82.57 86.57 94.95 105.03 122.42 145.57 145.95 Dividend (%) 130 30 30 - 25 80 100 120 130 130 No of Employees 7,400 7,956 7,663 7,935 7,746 7,306 7,764 9,085 9,866 9,883 Business per employee 12.86 12.93 14.42 13.56 14.99 17.28 18.14 18.00 18.91 21.70 Branches (No.) 711 790 778 779 780 789 799 838 888 901 * Stock split during the Financial Year 2016-17, Converting one Rs. 10/- Face Value Equity Share into five Rs. 2/- Face value Equity Shares **After reclassification of depreciation on investments as an item of other income. (Rs. crore) 46 Decade of Sustained Growth
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