• Type of Event: Q1 FY27 Earnings Conference Call held in connection with the unaudited Financial Results for the quarter ended 30th June 2026.
  • Date and Time: The conference call was held on 20th July 2026 at 6:30 P.M. (IST).
  • Purpose: Discussion of the bank's quarterly results, strategic updates, and operational performance for Q1 FY27.
  • Timing Relative to Earnings: The call was held after the earnings announcement, as the results had been made available on the bank's website prior to the call.
  • Management Participants:
  • Mr. B. Ramesh Babu – Managing Director and Chief Executive Officer
  • Mr. Sankar Balabhadrapatruni – Executive Director
  • Mr. Chandrasekaran – Chief Operating Officer
  • Mr. Ramshankar – Chief Financial Officer
  • Availability of Materials: The financial results and accompanying presentation were made available on the bank's website at https://www.kvb.bank.in/investor-corner/regulation-30-sebi-disclosure/investor-con-call-transcripts-and-recordings/. The transcript of the call was filed with the exchanges on 24th July 2026.
  • UPSI Statement: The company did not include any specific statement regarding unpublished price sensitive information (UPSI) in this disclosure.

Financial Highlights and Guidance

  • Financial Period Discussed: Q1 FY27 (quarter ended 30th June 2026)
  • Total Business: INR 2,27,267 crores, up 6% QoQ and 16% YoY
  • Advances: INR 1,04,680 crores, up 6% QoQ
  • Deposits: INR 1,22,587 crores, up 6% QoQ
  • RAM Segments: 86% of portfolio (Retail, Agri, MSME)
  • Corporate Segment: 14% of portfolio
  • Net Interest Margin: 4.26% (4.34% including one-off interest recovery of 8 bps)
  • Operating Profit: INR 1,096 crores, up 36% YoY but down 12% QoQ
  • Net Profit: INR 756 crores, up 4% QoQ and 45% YoY
  • Gross NPA: 0.74% (down 1% QoQ)
  • Net NPA: 0.19%
  • ROA: 2.11%
  • CRAR Basel III: 18.61%
  • Liquidity Coverage Ratio: 123.61%

Forward-Looking Statements and Strategic Themes

  • Growth Guidance: Credit growth guidance of 1-2% above industry growth maintained
  • NIM Guidance: Full-year NIM expected in the range of 3.7-3.8%
  • Asset Quality Guidance: Gross NPA expected below 1.5%, Net NPA below 1%, slippages below 1%
  • Branch Expansion: Plan to open 50 branches in H1 FY27 (2 opened in Q1, 25 expected by end of Q2)
  • Product Launches: Credit card offering relaunched for existing customers, with plans to extend to new customers in H2 FY27; Loan against mutual funds product expected by end of Q2 FY27
  • Portfolio Focus: Continued emphasis on RAM segments, with specific growth in jewel loans (12% QoQ), mortgage loans (9% QoQ), and commercial business (6% QoQ)

Additional Notes Section

  • Attachments: The disclosure included the transcript of the conference call as an enclosure.
  • Financial Data: The announcement itself did not contain financial figures beyond reference to the published results; all financial data discussed was derived from the already published Q1 FY27 results.
  • Logistical Details: The summary excludes dial-in numbers and access codes as they are not operationally relevant for this summary.