Investment toward Environment betterment including IT Capex: ₹15.22 Crore
Rooftop solar installations
Bank owned windmill at Theni
Energy Consumption from Renewable Resources: 8,52,497 kWh
Human Capital
New Hires: 1,256
Total Workforce: 9,883
Training Hours Provided: 2,68,148
Training Coverage: 99.94%
Average Age of Employees: 36
Social and Relationship Capital
Total Customer Base: 1,02,08,660
Total CSR Spend: ₹40.65 Crore
Spend toward Community Programs: ₹6.2 Crore
Spend toward Health and Education: ₹21.48 Crore
Value creation process
Visin
To be the preferred choice of stakeholders and deliver value by blending technology with tradition.
Missin
To provide superior banking experience by using technology to deliver the entire gamut of financial products under one roof, easily available to the customers across physical and digital channels.
Business Segments
Commercial Banking
Consumer Banking
Agricultural Banking
Corporate & Institutional Group
Outputs
Financial Capital
Total Loans and Advances: ₹98,754 Crore
Net Interest Income: ₹4,939 Crore
Net Profit: ₹2,510 Crore
CASA: ₹31,122 Crore
Return on Assets: 1.93%
CRAR: 18.76%
Manufactured Capital
New Branches Opened: 13
New ATMs + Cash Recyclers: 227
DLite App Users: 1 Mn+ active users
Total products launched in FY 2025-26: 26
Intellectual Capital
Growth in Digital Transactions: 22%
Share of Digital Transactions: 97%
Launched KVB Corp Mobile Banking App
Natural Capital
Solar energy generated in FY 2025-26: 1,02,470 kWh
Wind energy generated in FY 2025-26: 8,81,599 kWh
Waste Recycled : 209.02 MT
Human Capital
Profit per Employee: ₹25.40 Lakh
Number of Employees awarded with KVB Rathna Appreciation: 1,454
Business per Employee: ₹21.70 Crore
Social and Relationship Capital
New Lives Impacted: 2.83 Lakh
Outcomes
Financial Capital
Customers
Investors/Shareholders
Employees
Communities/NGOs
Government/Regulatory Bodies
Business Partners/Suppliers
Manufactured Capital
Customers
Investors/Shareholders
Employees
Communities/NGOs
Government/Regulatory Bodies
Business Partners/Suppliers
Intellectual Capital
Customers
Investors/Shareholders
Employees
Communities/NGOs
Government/Regulatory Bodies
Business Partners/Suppliers
Natural Capital
Customers
Investors/Shareholders
Employees
Communities/NGOs
Government/Regulatory Bodies
Business Partners/Suppliers
Human Capital
Customers
Investors/Shareholders
Employees
Communities/NGOs
Government/Regulatory Bodies
Business Partners/Suppliers
Social and Relationship Capital
Customers
Investors/Shareholders
Employees
Communities/NGOs
Government/Regulatory Bodies
Business Partners/Suppliers
Value Creation: At the core of the Bank’s business model is its ability to create sustainable value by effectively utilizing resources and strategic inputs to generate meaningful outcomes. Through this approach, the Bank aims to deliver lasting economic, social, and environmental benefits for stakeholders over the short, medium and long term.
Value Preservation: Value preservation reflects the Bank’s focus on protecting and sustaining the interests, assets and long-term benefits of its stakeholders. Through responsible governance, ethical business practices and prudent risk management, the Bank seeks to prevent value erosion while ensuring stability, trust and sustainable growth over time.
