Geopolitical tensions impacting specific sectors
Bank has made ₹163 crore one-time provisions for sectors like textiles, ceramics, chemicals, and granite that could be affected by geopolitical tensions and tariff issues.
KARURVYSYABANK / Q4-FY26 / risks
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Karur Vysya Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Margin compression from rising deposit costs
Management expects NIM to decline to 3.75-3.80% in FY27 due to higher retail deposit rates (7.2% for new product) and competitive pressure on lending yields.
Potential impact of ECL provisioning transition
RBI's final ECL provisioning guidelines may increase credit costs; management expects minimal impact but has not quantified steady-state effect.
Gold price volatility risk
Gold loan portfolio at 30% of advances; a sharp decline in gold prices could trigger margin calls and increase NPAs, though LTV is conservative at 55-60%.