Karur Vysya Bank

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE036D01028
NSEID: KARURVYSYA
BSEID: 590003

INR

208.15

2.9 (1.41%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 8.32 lacs

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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

2,486.01

2,384.00

2,284.53

2,184.57

2,139.38

1,997.08

1,882.91

Income On Investments

422.76

393.22

385.09

353.65

339.30

333.42

304.64

Interest On Balances With Rbi Other Inter Bank Funds

2.32

3.71

4.27

3.64

4.31

5.98

8.12

Interest / Discount On Advances / Bills

2,055.46

1,976.13

1,888.04

1,822.40

1,793.73

1,656.67

1,569.03

Others

5.47

10.94

7.13

4.88

2.04

1.01

1.12

Other Income

467.43

472.01

388.35

628.85

357.79

338.89

333.16

Total Income

2,953.44

2,856.01

2,672.88

2,813.42

2,497.17

2,335.97

2,216.07

Interest Expended

1,407.22

1,324.05

1,260.18

1,189.11

1,138.09

1,081.70

985.84

Net Interest Income

1,078.79

1,059.95

1,024.35

995.46

1,001.29

915.38

897.07

Total Expenditure (Excl Depreciation)

730.95

715.72

666.85

757.40

683.18

616.36

581.81

Employee Cost

373.82

357.00

333.46

439.75

374.73

327.64

318.91

Other Operating Expenses

357.13

358.72

333.39

317.65

308.45

288.72

262.90

Operating Profit Before Provisions and Contingencies

815.27

816.24

745.85

866.91

675.90

637.91

648.42

Exceptional Items

0.00

Provisions and contingencies

147.44

179.83

132.94

293.41

149.71

126.41

159.42

Profit Before Tax

667.83

636.41

612.91

573.50

526.19

511.50

489.00

Tax

171.80

162.81

154.26

117.40

114.56

133.05

130.37

Profit After Tax

496.03

473.60

458.65

456.10

411.63

378.45

358.63

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

496.03

473.60

458.65

456.10

411.63

378.45

358.63

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

6.16

5.88

5.7

5.67

5.12

4.72

4.47

Diluted Earnings per share

6.16

5.88

5.7

5.67

5.12

4.7

4.46

Operating Profit Margin (Excl OI)

64.67%

62.43%

64.99%

51.9%

61.07%

62.81%

60.63%

Gross Profit Margin

26.86%

26.7%

26.83%

26.25%

24.6%

25.61%

25.97%

PAT Margin

19.95%

19.87%

20.08%

20.88%

19.24%

18.95%

19.05%

Net Interest Margin

4.03%

4.11%

4.13%

4.19%

4.32%

4.07%

4.19%

Return on Assets

0.0%

CASA (%)

28.41%

29.46%

30.0%

31.53%

32.0%

33.0%

CASA Amount

28,167.00

28,232.00

28,042.00

27,085.00

27,012.00

26,794.00

26,549.00

Capital Adequacy Ratio (Total)

15.91%

16.28%

16.47%

16.67%

15.39%

16.84%

17.67%

Capital Adequacy Ratio (Tier 1)

15.03%

15.39%

15.58%

15.46%

13.87%

15.19%

15.96%

Provision Coverage Ratio (%)

96.87%

96.09%

94.91%

94.85%

94.81%

94.49%

93.41%

Amount of Gross NPAs

690.92

885.61

1,024.53

1,041.64

1,151.86

1,219.08

1,329.65

Amount of Net NPAs

166.69

219.22

293.66

297.97

305.27

323.63

390.02

% of Net NPAs

0.2%

0.28%

0.38%

0.4%

0.42%

0.47%

0.59%

% of Gross NPAs

0.83%

1.1%

1.32%

1.4%

1.58%

1.73%

1.99%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2197.0

2208.0

2253.0

2262.0

2251.0

2244.0

2240.0

Number of Branches

866.0

841.0

840.0

838.0

831.0

824.0

808.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 4.28% vs 4.35% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is 4.74% vs 3.26% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is -0.12% vs 9.44% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is -0.08% vs -0.10% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is -0.27% vs -0.22% in Sep 2024

Compare Quarterly Results Of Karur Vysya Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,486.01

7,829.14

-5,343.13

-68.25%

Income On Investments

422.76

1,416.82

-994.06

-70.16%

Interest On Balances With Rbi Other Inter Bank Funds

2.32

120.48

-118.16

-98.07%

Interest / Discount On Advances / Bills

2,055.46

5,904.92

-3,849.46

-65.19%

Others

5.47

386.92

-381.45

-98.59%

Other Income

467.43

1,512.01

-1,044.58

-69.09%

Total Income

2,953.44

9,341.15

-6,387.71

-68.38%

Interest Expended

1,407.22

5,605.62

-4,198.40

-74.9%

Net Interest Income

1,078.79

2,223.52

-1,144.73

-51.48%

Total Expenditure (Excl Depreciation)

730.95

2,656.51

-1,925.56

-72.48%

Employee Cost

373.82

1,003.87

-630.05

-62.76%

Other Operating Expenses

357.13

1,652.64

-1,295.51

-78.39%

Operating Profit Before Provisions and Contingencies

815.27

1,079.02

-263.75

-24.44%

Exceptional Items

0.00

Provisions and contingencies

147.44

258.68

-111.24

-43.0%

Profit Before Tax

667.83

820.34

-152.51

-18.59%

Tax

171.80

208.07

-36.27

-17.43%

Profit After Tax

496.03

612.27

-116.24

-18.99%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

496.03

612.27

-116.24

-18.99%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

6.16

0.20

5.96

2980.0%

Diluted Earnings per share

6.16

0.19

5.97

3142.11%

Operating Profit Margin (Excl OI)

64.67%

62.76%

0.00

1.91%

Gross Profit Margin

26.86%

10.48%

0.00

16.38%

PAT Margin

19.95%

7.82%

0.00

12.13%

Net Interest Margin

4.03%

2.40%

1.63

1.63%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

28.41%

33.10%

-4.69

-4.69%

CASA Amount

28,167.00

91,650.00

-63,483.00

-69.27%

Capital Adequacy Ratio (Total)

15.91%

15.20%

0.71

0.71%

Capital Adequacy Ratio (Tier 1)

15.03%

12.59%

2.44

2.44%

Provision Coverage Ratio (%)

96.87%

71.20%

25.67

25.67%

Amount of Gross NPAs

690.92

3,963.47

-3,272.55

-82.57%

Amount of Net NPAs

166.69

1,142.62

-975.93

-85.41%

% of Net NPAs

0.20%

0.50%

-0.30

-0.30%

% of Gross NPAs

0.83%

1.60%

-0.77

-0.77%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,197.00

1,326.00

871.00

65.69%

Number of Branches

866.00

1,247.00

-381.00

-30.55%

Quarterly - Interest Earned

Interest Earned 2486.01 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 4.28% vs 4.35% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 16.2% vs 26.2% in Dec 2023

Quarterly - Net Profit

Net Profit 496.03 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 4.74% vs 3.26% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 20.50% vs 42.29% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 815.27 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -0.12% vs 9.44% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 20.62% vs -1.89% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.20%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.08% vs -0.10% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.22% vs -0.48% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 0.83%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.27% vs -0.22% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.75% vs -1.12% in Dec 2023