Karur Vysya Bank achieved **INR2,03,216 Cr** total business (up 15% YoY), with advances and deposits growing 15% YoY. Net Profit hit **INR574 Cr**, and ROA was 1.81%. NIM remained healthy at 3.77%. Gross NPA rose to 0.76% due to **INR218 Cr** corporate slippages (now fully provided for as a one-off), while Net NPA held at 0.19%. Management is confident in its 3.7-3.75% full-year NIM guidance and 2% above industry credit growth, with strong asset quality. Focus remains on balancing yield and growth amid competition.