The Karur Vysya Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	104,971	96,780	82,132	65,165	55,877	54,704
Interest Paid on Deposits	60,176	54,181	43,947	31,677	28,723	31,109
Net Interest Income	46,690	42,599	38,184	33,488	27,154	23,595
Net Interest Income Growth (YoY)	12.28%	11.56%	14.02%	23.33%	15.08%	0.49%
Gain (Loss) on Sale of Assets	30.63	30.63	78.31	10.36	11.03	2.23
Gain (Loss) on Sale of Investments	683.62	683.62	2,944	291.51	-501.75	2,169
Other Non-Interest Income	19,064	17,581	13,473	11,287	8,181	7,017
Total Non-Interest Income	19,779	18,296	16,495	11,589	7,691	9,188
Non-Interest Income Growth (YoY)	1.08%	10.92%	42.33%	50.70%	-16.30%	-20.42%
Revenues Before Loan Losses	66,469	60,895	54,679	45,077	34,844	32,783
Provision for Loan Losses	6,587	6,217	7,288	10,390	6,992	7,571
Revenue	59,882	54,678	47,391	34,688	27,853	25,212
Revenue Growth (YoY)	11.68%	15.38%	36.62%	24.54%	10.47%	25.19%
Salaries and Employee Benefits	14,755	14,465	14,576	10,043	9,445	11,536
Occupancy Expenses	4,779	4,779	4,260	3,938	3,732	3,666
Selling, General & Administrative	645.85	645.85	569.43	580.47	594.02	515.58
Other Non-Interest Expense	9,630	8,855	6,947	5,741	4,766	4,150
Total Non-Interest Expense	29,837	28,771	26,388	20,320	18,542	19,868
EBT Excluding Unusual Items	30,044	25,907	21,003	14,368	9,311	5,344
Other Unusual Items	0.7	0.7	-1.3	0.4	-1.4	-
Pretax Income	30,045	25,907	21,002	14,369	9,309	5,344
Income Tax Expense	7,058	6,491	4,954	3,308	2,577	1,750
Net Income	22,987	19,416	16,048	11,061	6,733	3,594
Net Income to Common	22,987	19,416	16,048	11,061	6,733	3,594
Net Income Growth	21.99%	20.99%	45.09%	64.29%	87.34%	52.92%
Basic Shares Outstanding	966	966	964	961	959	959
Diluted Shares Outstanding	966	966	965	964	960	959
Shares Change (YoY)	0.07%	0.17%	0.10%	0.32%	0.13%	-
EPS (Basic)	23.80	20.11	16.66	11.51	7.02	3.75
EPS (Diluted)	23.79	20.10	16.64	11.48	7.01	3.75
EPS Growth	21.90%	20.78%	44.92%	63.85%	87.05%	52.93%
Dividend Per Share	-	2.167	2.000	1.667	1.333	0.417
Dividend Growth	-	8.33%	20.00%	25.01%	219.97%	-
Effective Tax Rate	23.49%	25.05%	23.59%	23.02%	27.68%	32.75%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.