Karur Vysya Bank: Margins Flat in Q4, No Capital Raise Needed Amid Strong Profits
Earnings
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CNBC TV18•31-01-2026, 18:42
Karur Vysya Bank: Margins Flat in Q4, No Capital Raise Needed Amid Strong Profits
- •Karur Vysya Bank expects margins to remain flat in Q4FY26 due to the absence of deposit repricing benefits seen in Q3FY26.
- •The bank will prioritize growth in retail, agriculture, and MSME (RAM) portfolios, focusing on yield and risk-adjusted returns.
- •Gold loans will be capped below 35% of the total loan book, and corporate growth will remain selective.
- •Profit has grown 20 times in five years, with Q3FY26 profit reaching ₹690 crore, significantly up from ₹35 crore in December 2020.
- •No immediate need to raise capital for the next two years, as capital adequacy is comfortable at around 17% and profitability is improving.
Why It Matters: Karur Vysya Bank anticipates stable margins and strong profits, negating the need for capital raise in the near term.
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