Investor Presentation

Classification | REGULATORS IRC: F48 :157 :355 :2026 15th October 2026 The Manager, The Manager, National Stock Exchange of India Ltd, BSE Limited, Exchange Plaza, 5th Floor, Phiroze Jeejeebhoy Towers, Plot No. C-1, ‘G’ Block, Dalal Street, Bandra- Kurla Complex, Mumbai – 400001 Bandra (East), Mumbai – 400051 Scrip Code: KARURVYSYA Scrip Code: 590003 Dear Sir/Madam, Sub: Intimation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 – Investor Presentation on Unaudited Financial Results of the Bank for the quarter and Half Year ended 30th September 2026 ****** Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the Investor Presentation on Unaudited Financial Results of the Bank for the quarter and Half Year ended 30th September 2026 and the same has been updated in our Bank’s website at https://www.kvb.bank.in/investor-corner/corporate- presentation/ Kindly take the same on record. Yours faithfully, Srinivasarao Maddirala Company Secretary & Compliance Officer Encl: As above Investor Presentation Q2 FY 2026-2027 Safe Harbor Statement 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. 02 03 04 05 06 Financial Highlights & Capital Balance sheet Asset Other Financial Digital Banking KPI’s Adequacy Growth Quality Information and ESG Consistent Growth with Sustained Profitability and Asset Quality Financial Highlights │ Profitability improves; Asset quality remains strong Business Advances Deposits 2,39,712 1,11,589 1,28,123 18 % YoY 5 % QoQ 20 % YoY 7 % QoQ 16 % YoY 5 % QoQ CASA Operating Profit Net Profit 35,265 H1 → 2,258 Q2 → 1,162 H1 → 1,543 Q2 → 788 15 % YoY 4 % QoQ 24 % YoY 6 % QoQ 41 % YoY 4 % QoQ NIM ROA ROE H1 → 4.26 * % Q2 → 4.26 # % H1 → 2.11 % Q2 → 2.10 % H1 → 20.05 % Q2 → 20.47 % 44 bps YoY - bps QoQ 34 bps YoY (1) bps QoQ 293 bps YoY 23 bps QoQ GNPA NNPA PCR 0.69 % 0.18 % 96.13 % (7) bps YoY (5) bps QoQ (1) bps YoY (1) bps QoQ (63) bps YoY (8)bps QoQ *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 4 www.kvb.co.in Note: QoQ – Q2 FY27 vs Q1 FY27 & YoY – H1FY27 vs H1FY26 Performance metrics- Key Ratios Quarter ended Half year Particulars 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 • 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 Profitability Metrics ROA % ROE % 17.79 1.93 20.48 20.55 20.47 1.72 20.24 16.28 2.10 2.11 2.10 1.63 2.05 15.98 1.81 17.94 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 NIM % Cost to Income % 4.20 4.25% 4.26% 4.26% 4.09 42.63 3.97 3.99% 48.26 47.25 42.49 37.27 41.79 39.85 3.77% 42.96 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 PPeerrffoorrmmaannccee MMeettrriiccss ROA % ROE % Cost to Income % Yield on Funds & Cost of Funds % Yield On Advances & Cost of Deposits Yield on Funds Cost of Funds 8.68 8.93 8.80 Yield on Advances Cost of Deposits 8.67 8.73 8.92 8.99 9.06 9.95 10.15 9.86 9.76 9.77 9.93 10.01 10.09 5.61 5.56 5.23 5.63 5.47 5.38 5.45 5.51 5.61 5.56 5.19 5.60 5.47 5.41 5.45 5.49 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 FY-24 FY-25 FY-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Uptrend in EPS Consistent improvement in PAT 7.14 7.50 7.82 8.15 690 725 756 788 5.94 574 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Profit & Loss Statement (₹ Crore) Quarter ended Half year Particulars Growth % Growth % Sept-26 Sept-25 Sept-26 Sept-25 (YoY) (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 Pr [Showing first 8,000 characters — download PDF for full document]