Karur Vysya Bank Ltd

- No requirement to raise money in the financial year 2026-27 for growth plans. - Growth will be funded through plough-back of net profits. - Comfortable capital adequacy with CRAR at 18.76%, providing headroom for growth. - No mention of planned new equity or debt fundraising during the year.

- The bank plans to open 50 new branches in the financial year 2026-27, including 38 regular and 7 lite branches, with 5 more to be shortlisted soon. - The focus is on front-loading branch expansion in the first half of the year to gain benefits in the second quarter. - There is no current need to raise additional capital as plough-back of net profits will support growth plans. - CRAR remains healthy at 18.76%, providing comfortable headroom for growth over the next two years. - Strategic investment in technology continues, including the rollout of a new version of the mobile DLite app with enhanced features. - The bank plans to cautiously expand its affordable housing partnership and launch premium credit cards. - Digital transaction share stands at 98%, with ongoing investments to boost digital banking and transaction banking services.

- Credit growth is expected to be 1-2% above industry growth, targeting overall advances growth around 18% annually. - Retail advances to grow driven by mortgage and jewel loans, with cautious expansion in affordable housing. - Agriculture book is growing steadily at 19% year-on-year, supported by agri jewel loans (~91% of agriculture portfolio). - Commercial business growth expected to be moderate, with mindful exit of weaker accounts and strategic acquisitions. - Growth in loan against mutual fund and premium credit card segments planned, with expansion in MSME and small business group via relationship managers. - Corporate advances portfolios targeted at 18%-20% range, with focus on capital markets and EPC segments. - New branch openings planned (~50 per year) with front-loading to support growth in second quarter onward. - Growth measured and strategic in MFI segment. - Deposits growth will support credit growth, guided by prudential liquidity ratios.

- Credit growth expected to be 1% to 2% above industry growth (~18%), with steady advances growth. - Operating profit grew 27% in the latest quarter and 29% in net profit, setting a high base. - NIM guidance for FY '27 is 3.75% to 3.8%, slightly lower due to deposit cost hikes and competitive yield pressures. - ROA expected between 1.7% to 1.8% for FY '27, down from 1.93% for FY '26 but with efforts to exceed expectations. - Cost-to-income ratio targeted below 50%, supporting operating leverage. - Bank plans cautious branch expansion (50 branches) to boost growth. - Focus remains on balancing margin preservation with customer relationship retention. - Recovery momentum and asset quality expected to remain strong, limiting credit costs. - Dividend payout around 130% subject to approval, supported by strong earnings and capital levels.

The provided pages of the Karur Vysya Bank Limited document do not contain specific information regarding the current or expected order book or pending orders. The excerpts primarily focus on: - Bank's financial performance, including ROA, NIM, and asset quality - Credit growth and deposit trends - Repricing of advances and deposit rates - Sector-wise risk provisions and portfolio management - Operational strategies such as branch expansion and digital initiatives - Competition and market dynamics There is no direct mention or data related to order books or pending orders in the supplied text. If you need information on order books or pending orders, please provide the specific section or document that covers those details.