Investor presentation on audited financial results for the quarter and year ended March 31, 2025, has been uploaded on the bank's website.
The bank's vision is to be the preferred choice of stakeholders and deliver value by blending technology with tradition.
The mission is to provide a superior banking experience by using technology to deliver the entire gamut of financial products under one roof, easily available to customers across physical and digital channels.
The bank has a strategic penetration into India’s fast-developing hinterland with 888 branches and 2,252 ATMs + Cash Recyclers as of March 31, 2025.
Business crosses ₹ 1.5 Trillion.
Financial Highlights (Year Ended March 2025):
Business: ₹ 1,86,569 crore, up 14% YoY
Advances: ₹ 84,491 crore, up 14% YoY
Deposits: ₹ 1,02,078 crore, up 15% YoY
CASA: ₹ 27,832 crore
NIM: 4.09%
Operating Profit: ₹ 3,212 crore
Net Profit: ₹ 1,942 crore, up 21% YoY
ROA: 1.72%
ROE: 16.28%
GNPA: 0.76%
NNPA: 0.20%
PCR: 96.81%
Key Ratios:
Cost of Deposits: 5.61%
Yield on Advances: 10.15%
Net Interest Margin (NIM): 4.09%
Cost to Income: 47.25%
Return on Equity (ROE): 16.28%
Return on Assets (ROA): 1.72%
Profit & Loss Statement (Year Ended March 2025):
Net Interest Income: ₹ 4,260 crore, up 12% YoY
Other Income: ₹ 1,829 crore, up 22% YoY
Total Income: ₹ 6,089 crore, up 11% YoY
Operating Expenses: ₹ 2,877 crore, up 9% YoY
Net Profit: ₹ 1,942 crore, up 21% YoY
Balance Sheet (as of March 31, 2025):
Deposits: ₹ 1,02,078 crore, up 15% YoY
Advances (Net): ₹ 84,005 crore, up 14% YoY
Total Assets: ₹ 1,19,367 crore, up 13% YoY
Capital Adequacy:
CRAR: 18.17%
Advances and Deposits:
Gross Advances: ₹ 84,491 crore, up 14% YoY
Total Deposits: ₹ 1,02,078 crore, up 15% YoY
Asset Quality:
Gross NPA: 0.76%
Net NPA: 0.20%
Provision Coverage Ratio (PCR): 96.81%
The bank is focused on maintaining high asset quality with GNPA at 0.76% and NNPA at 0.20%.
Total deposits of the bank surpassed the ₹ 1 trillion benchmark.
The bank has a strong digital ecosystem with 1.3 Million+ monthly active users on KVB DLite mobile banking app.
The Central office building has been awarded with prestigious ‘Platinum Certification’ by the Indian Green Building Council (IGBC).
KVB received the prestigious “Best Small Indian Bank” award from Business Today for the second consecutive year.