Karur Vysya Bank has informed the stock exchanges of the availability of the audio recording from its investor conference call pertaining to the audited financial results for the quarter and year ended March 31, 2026. The conference call was held on May 07, 2026, at 6:00 P.M. (IST), and the disclosure has been made in compliance with Regulation 30(6) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Regulatory Disclosure Details

The bank submitted the communication to both the National Stock Exchange of India Ltd and BSE Limited, fulfilling its listing obligations. The filing was signed by Srinivasa Rao M, Company Secretary & Deputy General Manager, on May 07, 2026.

Key details of the disclosure are summarised below:

Access to the Recording

The audio recording of the conference call has been made available on the bank's official website under the investor relations section. Stakeholders and investors can access the recording through the following link on the bank's website:

• URL: https://www.kvb.bank.in/investor-corner/regulation-30-sebi-disclosure/investor-con-call-transcripts-and-recordings/investor-con-call-recordings/

The bank's Investor Relations Cell is headquartered at No. 20, Erode Road, Vadivel Nagar, L.N.S., Karur - 639 002, and can be reached via email at kvbshares@kvbmail.com or by phone at 04324-269441.

Compliance Background

The disclosure is in accordance with Regulation 30(6) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, which mandates listed entities to make audio or video recordings of analyst or investor meets publicly available. By publishing the conference call recording, Karur Vysya Bank ensures transparency and equal access to information for all market participants and stakeholders.

Karur Vysya Bank has reported strong audited financial results for the quarter and year ended March 31, 2026, with the Board of Directors approving the results at its meeting held on May 07, 2026. The board meeting commenced at 12:30 PM, with financial results approved at 2:55 PM. The bank's net profit for Q4FY26 stood at ₹72,496 lakh, a sharp 41.24% jump compared to ₹51,336 lakh in Q4FY25. For the full year FY26, net profit rose 29.29% to ₹2,51,033 lakh from ₹1,94,164 lakh in FY25. The results were audited by Joint Statutory Central Auditors M/s. Kalyaniwalla & Mistry LLP and M/s. Varma & Varma, Chartered Accountants, who issued an unmodified audit opinion. The results were signed off by B. Ramesh Babu, MD & CEO, and filed with both the National Stock Exchange of India Ltd and BSE Limited in compliance with SEBI Listing Regulations.

Key Financial Highlights

The bank's total income for Q4FY26 grew to ₹3,51,945 lakh from ₹3,02,526 lakh in Q4FY25, driven by higher interest earned and other income. Operating profit before provisions and contingencies surged 49.32% YoY to ₹1,24,676 lakh in Q4FY26 from ₹83,497 lakh in Q4FY25. Net Interest Margin (NIM) improved to 4.25% in Q4FY26 from 4.05% in Q4FY25, while the cost-to-income ratio declined sharply to 37.27% from 47.77% over the same period. Return on Assets (annualised) stood at 2.10% and Return on Equity at 20.55% for Q4FY26. The following table summarises the key financial metrics:

Key profitability and efficiency ratios are presented below:

Asset Quality and Capital Adequacy

The bank maintained a healthy asset quality profile. Gross NPA stood at ₹74,391 lakh (0.75% of advances) as of March 31, 2026, compared to ₹64,180 lakh (0.76%) as of March 31, 2025. Net NPA improved to 0.19% from 0.20% in the corresponding period of the previous year. The Provision Coverage Ratio stood at 96.45% as on March 31, 2026, against 96.81% for the corresponding period of the previous year. Special Mention Accounts (SMA 30+) declined to 0.17% of advances (₹172 Cr) as of March 31, 2026, from 0.30% (₹254 Cr) as of March 31, 2025, reflecting improved portfolio quality. Total stressed assets fell to ₹619 Cr (0.45% of total assets) as of March 31, 2026, from ₹703 Cr (0.59%) as of March 31, 2025.

The Capital Adequacy Ratio (Basel III) strengthened to 18.76% as of March 31, 2026, from 18.17% as of March 31, 2025. Total capital stood at ₹14,199 Cr, comprising Tier I capital of ₹13,416 Cr and Tier II capital of ₹783 Cr, against Risk Weighted Assets (RWA) of ₹75,697 Cr.

Balance Sheet and Business Growth

The bank's total assets expanded to ₹1,36,60,309 lakh as of March 31, 2026, from ₹1,19,36,742 lakh as of March 31, 2025. Gross advances grew 17% YoY to ₹98,754 Cr, while deposits rose 13% YoY to ₹1,15,666 Cr, taking total business to ₹2,14,420 Cr. Investments stood at ₹29,01,989 lakh compared to ₹23,83,125 lakh in the previous year, with gross investments growing 21% YoY. CASA balances grew 12% YoY to ₹31,122 Cr, though the CASA ratio moderated to 26.91% from 27.27%. Term deposits improved 14% YoY to ₹84,544 Cr, with 78% of total term deposits below ₹5 Cr, reflecting granular deposit growth.

Within the advances portfolio, RAM (Retail, Agriculture, and MSME/Commercial) verticals grew 18% YoY to ₹85,260 Cr. Retail advances surged 25% YoY to ₹26,197 Cr, led by mortgage (LAP) loans up 56% YoY to ₹9,222 Cr and retail jewel loans up 61% YoY to ₹5,560 Cr. Agriculture advances grew 19% YoY to ₹24,784 Cr, while commercial advances rose 12% YoY to ₹34,279 Cr. The average ticket size of the commercial book at account level increased from ₹55.3 lakhs in March 2025 to ₹69.2 lakhs in March 2026, with 67% of commercial loans below ₹5 Cr.

Segment Performance

On a segment basis, Retail Banking contributed the highest revenue of ₹8,23,256 lakh for FY26, followed by Corporate/Wholesale Banking at ₹2,57,670 lakh and Treasury at ₹2,12,726 lakh. The results incorporate the audited returns of 995 branches including processing centres, which cover 77.10% of advances, 82.22% of deposits, and 58.78% of non-performing assets as on March 31, 2026.

Cash Flow Summary

For the year ended March 31, 2026, net cash used in operating activities stood at ₹(55,396) lakh, compared to net cash from operating activities of ₹4,48,706 lakh in the previous year, primarily reflecting increased deployment in advances and investments. Net cash used in investing activities was ₹(1,74,512) lakh against ₹(2,15,080) lakh in the prior year. Net cash used in financing activities was ₹(20,500) lakh, which included dividend paid of ₹20,864 lakh. Cash and cash equivalents at the end of the year stood at ₹5,30,264 lakh, compared to ₹7,80,672 lakh at the beginning of the year.

Dividend and Corporate Actions

The Board of Directors has recommended a dividend of ₹2.60 per equity share of face value ₹2/- each (i.e., 130%) for the year ended March 31, 2026, subject to the approval of shareholders at the ensuing Annual General Meeting. The record date for dividend payment is to be announced in due course. During the year, the bank allotted 4,86,121 equity shares pursuant to the exercise of stock options by employees. Additionally, during the quarter ended September 30, 2025, 16,10,35,439 equity shares were allotted as bonus equity shares by capitalizing securities premium, and EPS figures for Q4FY25 and FY25 have been restated accordingly as per AS 20. The bank's network stood at 901 branches and 2,213 ATMs and Cash Recyclers as of March 2026, with 40% of branches located in semi-urban and rural areas.

Regulatory Disclosures

The bank's exposure to accounts classified as Standard under COVID-19 resolution plans declined to ₹29,816 lakh as of March 31, 2026, from ₹34,339 lakh as of September 30, 2025. Under Co-Lending Arrangements (CLAs), the bank had 6 CLA partners with 68,48,447 outstanding cases and a gross outstanding amount of ₹1,05,302 lakh as of March 31, 2026, at a weighted average interest rate of 19.17%. Fees charged/paid during FY26 under CLAs amounted to ₹5,731 lakh. CLA sectors include vehicle loans, secured LAP, unsecured personal loans, home loans, and unsecured loans (BNPL). Standard loans under CLA stood at ₹1,00,568 lakh and non-performing loans at ₹4,734 lakh. The bank transferred NPA loans with aggregate principal outstanding of ₹14,940 lakh to ARCs during the quarter and year ended March 31, 2026, with aggregate consideration of ₹10,600 lakh. Standard restructured advances declined to ₹403 Cr (0.41% of total advances) as of March 31, 2026, from ₹537 Cr (0.64%) as of March 31, 2025.

With respect to loans not in default acquired through assignment, the bank acquired loans with aggregate principal outstanding of ₹10,270 lakh during FY26 from SCBs, RRBs, UCBs, StCBs, DCCBs, AIFIs, SFBs and NBFCs (including HFCs), at aggregate consideration of ₹9,243 lakh, with a weighted average residual tenor of 112 months and tangible security coverage of 280%. As regards project finance, 24 projects under implementation with total outstanding of ₹51,953 lakh were on the books as of March 31, 2026. Recovery Ratings assigned to outstanding Security Receipts (SRs) totalled ₹27,999 lakh, of which ₹3,035 lakh was rated RR1 and ₹24,964 lakh was unrated (rating withdrawn as per RBI guidelines after 8 years). The bank does not have any subsidiaries, associates, or joint ventures as on March 31, 2026.