Key Financial Figures (Standalone)
Income Statement (₹ in lakhs)
- Interest Earned: ₹35,114.52 crore (Q1 FY27) vs ₹32,866.31 crore (Q1 FY26)
- Other Income: ₹3,470.37 crore (Q1 FY27) vs ₹4,674.53 crore (Q1 FY26)
- Total Income: ₹36,681.09 crore (Q1 FY27) vs ₹35,766.02 crore (Q1 FY26)
- Interest Expended: ₹20,685.63 crore (Q1 FY27) vs ₹19,656.71 crore (Q1 FY26)
- Operating Expenses: ₹7,868.21 crore (Q1 FY27) vs ₹7,872.84 crore (Q1 FY26)
- Operating Profit: ₹8,127.25 crore (Q1 FY27) vs ₹8,236.47 crore (Q1 FY26)
- Provisions and Contingencies: ₹6,430.30 crore (Q1 FY27) vs ₹1,966.94 crore (Q1 FY26)
- Exceptional Items: ₹5,680.23 crore (settlement charge)
- Profit Before Tax: ₹1,803.99 crore (Q1 FY27) vs ₹6,269.53 crore (Q1 FY26)
- Provision for Taxes: ₹525.60 crore (Q1 FY27) vs ₹1,728.17 crore (Q1 FY26)
- Net Profit: ₹1,278.39 crore (Q1 FY27) vs ₹4,541.36 crore (Q1 FY26)
Balance Sheet (₹ in lakhs)
- Capital: ₹10,355.30 crore (unchanged)
- Reserves and Surplus: ₹154,124.84 crore (Jun 2026) vs ₹152,173.26 crore (Mar 2026)
- Deposits: ₹16,335,588.20 crore (Jun 2026) vs ₹16,484,872.30 crore (Mar 2026)
- Borrowings: ₹15,908.618 crore (Jun 2026) vs ₹15,635.745 crore (Mar 2026)
- Total Assets: ₹20,212,537.60 crore (Jun 2026) vs ₹20,091,638.10 crore (Mar 2026)
- Advances: ₹13,957,268.60 crore (Jun 2026) vs ₹14,090,941.20 crore (Mar 2026)
Analytical Ratios
- Capital Adequacy Ratio (Basel-III): 16.30% (Jun 2026) vs 15.82% (Mar 2026)
- CET 1 Ratio: 13.90% (Jun 2026) vs 13.16% (Mar 2026)
- Gross NPA: 1.99% (Jun 2026) vs 1.89% (Mar 2026)
- Net NPA: 0.50% (Jun 2026) vs 0.45% (Mar 2026)
- Return on Assets (annualized): 0.50% (Jun 2026) vs 1.15% (Mar 2026)
- Earnings Per Share (Basic): ₹2.47 (Q1 FY27) vs ₹10.86 (Q4 FY26)
Segment Reporting (Standalone)
Business Segments (₹ in lakhs)
- Treasury Operations Revenue: ₹8,212.28 crore (Q1 FY27)
- Wholesale Banking Revenue: ₹12,997.39 crore (Q1 FY27)
- Retail Banking Revenue: ₹15,369.66 crore (Q1 FY27)
- Other Banking Operations Revenue: ₹101.76 crore (Q1 FY27)
- Total Revenue: ₹36,681.09 crore (Q1 FY27)
Geographic Segments (₹ in lakhs)
- Domestic Revenue: ₹32,390.21 crore (Q1 FY27)
- International Revenue: ₹4,290.88 crore (Q1 FY27)
Exceptional Item Details
The Bank entered into a settlement agreement with NMC Health PLC, NMC Healthcare LTD, NMC Holding LTD, and their respective Joint Administrators to resolve legal proceedings filed in Abu Dhabi Global Market Court and England & Wales High Court. The settlement amount of USD 600 million (equivalent to ₹5,680 crore) was paid on July 1, 2026, and debited to the Profit & Loss Account for the quarter ended June 30, 2026. The settlement resolves all claims without admission of liability or wrongdoing.
Consolidated Results Highlights (₹ in lakhs)
- Total Income: ₹41,316.71 crore (Q1 FY27) vs ₹38,404.16 crore (Q1 FY26)
- Net Profit: ₹1,783.29 crore (Q1 FY27) vs ₹3,469.16 crore (Q1 FY26)
- Capital Adequacy Ratio: 16.70% (Jun 2026) vs 16.25% (Mar 2026)
- CET 1 Ratio: 14.36% (Jun 2026) vs 13.65% (Mar 2026)
Subsidiaries and Associates
The consolidated results include 9 domestic subsidiaries, 7 overseas subsidiaries, 1 joint venture, and 3 associates including 2 Regional Rural Banks.
Press Release Highlights
- Global Business: ₹30,50,457 crore (15.4% YoY growth)
- Global Advances: ₹14,16,898 crore (17.4% YoY growth)
- Domestic Advances: ₹11,50,906 crore (16.1% YoY growth)
- Global Deposits: ₹16,33,559 crore (13.8% YoY growth)
- Domestic CASA: ₹5,21,149 crore (10.0% YoY growth)
- Net Interest Income: ₹12,524 crore (9.5% YoY growth)
- Operating Profit: ₹8,127 crore
- Without settlement impact, Net Profit would have been ₹5,528 crore
- Return on Assets would have been 1.10% (actual 0.25%)
- Return on Equity would have been 16.57% (actual 3.89%)
- Global NIM: 2.77%; Domestic NIM: 2.93%
- Slippage ratio: 0.91% (down 25 bps YoY)
- Credit cost: 0.29% (vs 0.55% in Q1 FY26)
Additional Filings
- Security Cover Certificate under Regulation 54(2) & 54(3) (LODR)
- Statement of utilization of issue proceeds under Regulation 52(7) & 52(7A) (LODR)
- Independent Auditors' Certificate on security cover and compliance with covenants
- Independent Auditors' Certificate on utilization of proceeds from green infrastructure bonds