Integrated Thinking
Our fifth Integrated Annual Report reflects how we combine financial strength with innovation, governance, sustainability and stakeholder trust. This approach helps us navigate a rapidly transforming financial ecosystem. More than a performance review, this report presents the broader story of our progress, strategic priorities and future readiness.
Frameworks, Guidelines, and Standards
Framework of International Financial Reporting Standards - Companies Act, 2013 and the rules made thereunder
- Indian Accounting Standards
- SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
- Secretarial Standards Issued by the Institute of Company Secretaries of India
- Banking Regulation Act, 1949
- Regulations, circulars and guidelines issued by the Reserve Bank of India (RBI)
- With reference to Global Reporting Initiative (GRI) Universal Standards, 2021
Reporting Scope and Boundary
This report presents the factors influencing business outcomes and future preparedness while maintaining transparency and reliability for all stakeholders. No material changes occurred during the reporting period relating to the Bank’s size, ownership, or organizational structure.
Forward-looking Statements
This report may contain forward-looking statements based on current assumptions, expectations, and projections of Karur Vysya Bank. These statements are subject to risks and uncertainties that may cause actual outcomes to differ materially from those anticipated. The Bank does not undertake any obligation to revise or update these statements based on future developments or changing circumstances unless required by law.
Feedback
We welcome stakeholder feedback to improve the relevance, accuracy and completeness of our reporting. Your insights support our commitment to transparency and informed decision-making. For queries or suggestions, stakeholders may reach out via E-mail at kvb_sig@kvb.bank.in.
Integrated Value Creation
Capitals
Financial Capital
Manufactured Capital
Intellectual Capital
Human Capital
Social and Relationship Capital
Natural Capital
Strategies
Creating Impact across
Growth with Discipline,
Delivery with Consistency.
Every journey forward is driven by purpose, strengthened by discipline and sustained through consistent execution. At Karur Vysya Bank, these principles have guided the way we grow, serve and create lasting value. As the operating environment evolves, we continue to pursue growth that is measured, resilient and aligned with our long-term objectives. This approach has strengthened our franchise, enabled superior financial outcomes and reinforced stakeholder confidence.
Our performance reflects the strength of a strategy rooted in prudence and consistency. We expanded our business while maintaining a strong balance sheet, healthy profitability, prudent asset quality and a sound capital position. By combining ambition with sound judgment, we advanced our growth agenda while further strengthening the Bank’s foundation.
This is the essence of Growth with Discipline, Delivery with Consistency. It reflects our ability to combine ambition with restraint, performance with responsibility and progress with reliability.
We remain focused on deepening customer relationships, enhancing operational excellence and leveraging technology to improve efficiency and service delivery. At the same time, we continue to uphold the values that have guided KVB for more than a century: trust, accountability and responsible banking.
Our commitment to long-term value creation extends beyond financial performance. Through responsible business practices and a structured ESG framework, we seek to create lasting impact for customers, employees, communities and shareholders alike.
With clarity of purpose, disciplined execution and a proven ability to deliver consistently, Karur Vysya Bank is well positioned to sustain its growth momentum and create value in the years ahead.
Cover Note
The cover visual captures our journey of achieving 'Growth with Discipline, Delivery with Consistency.' The cyclists represent our collective strength, resilience, and focused execution, progressing steadily toward shared goals. The winding road symbolizes the dynamic business environment, while the milestone arches signify key achievements reached through disciplined planning and consistent performance. Together, the imagery reflects a journey where every milestone is earned through perseverance, teamwork, and operational excellence.
Growth in banking creates value when it is guided by discipline and delivered through reliable execution.
