Karur Vysya Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Net profit for the quarter registered a growth of 12.50% and stood at Rs 513 crore from Rs 456 crore during corresponding quarter of previous year. PPOP for the quarter increased by 17.60% is at Rs 835 crore, as compared to Rs 710 crore for corresponding quarter of the previous year (excluding one-off item of SR-NPI of Rs.157 crore). Net interest income increased by 9.11% to Rs 1,089 crore vis-à-vis Rs 998 crore for corresponding quarter of previous year. Cost of deposits has increased by 38 bps and stands at 5.74% as compared to 5.36% forthe corresponding quarter of previous year. Operating expenses for the quarter was Rs 764 crore as compared to Rs 757 crore during the corresponding quarter of previous year. Cost to income ratio stands at 47.77% (51.62% for Q4 of previous year). FY25 Financial Highlights: Net profit for the year registered a robust growth of 20.99% and stood at Rs 1,942 crore from Rs 1,605 crore during corresponding previous year. PPOP increased by 19.81% for FY 2025 at Rs 3,212 crore, as compared to Rs 2,681 crore (excluding one-off item of SR-NPI of Rs.148 crore) for corresponding previous year. Net interest income increased by 11.57% to Rs 4,260 crore vis-à-vis Rs 3,818 crore for corresponding previous year. Cost of deposits has increased by 42 bps and stands at 5.61% as compared to 5.19% for the corresponding previous year. Yield on advances grew to 10.15% by 20 bps as compared to 9.95% for the corresponding previous year. Operating expenses for FY 2024-25 was Rs 2,877 crore as compared to Rs 2,639 crore during the corresponding previous year.Cost to income ratio stands at 47.25% for FY25 as against 48.26% for FY24. Cost to income ratio stands at 47.25% for FY25 as against 48.26% for FY24. Ramesh Babu B, Managing Director & CEO, The Karur Vysya Bank said, "The bank has made highest ever profit of Rs 1,942 crore for the year ended 31.3.2025 and highest quarterly profit of Rs 513 crore for the fourth quarter continuing its strong performance, guided by our three key metrics: growth, profitability, and asset quality. Both advances and liabilities grew 14% each during the year. We have continued to maintain strong trajectory of growth in RAM (Retail, Agriculture, and MSME) verticals throughout the year registering 20% growth. Our total business crossed Rs 1,86,569 crore with deposits crossing 1 Trillion during the 4th quarter of the year." Result PDF