Summary of Key Information:
Reporting Period (Quarter/Year): Quarter ended 30th June, 2026 (Q1 FY27)
Nature of Filing / Announcement: Outcome of Board Meeting - Unaudited (Reviewed) Financial Results
Audit Opinion:
Unmodified Opinion (Clean)
Auditor’s Comment:
The auditors' review report states that based on their review, nothing has come to their attention that causes them to believe that the financial results contain any material misstatement and have been prepared in accordance with applicable accounting standards and RBI guidelines.
Key Financial Highlights [₹ in Lakh]:
Standalone Results:
Revenue from Operations: Not explicitly stated in a single line. Total Income is provided.
Total Income: ₹22,52,847 (Q1 FY27) vs ₹20,51,829 (Q1 FY26) - 9.8% YoY increase
EBITDA: Not disclosed in standard format
Net Profit: ₹3,06,790 (Q1 FY27) vs ₹2,25,212 (Q1 FY26) - 36.2% YoY increase
EPS: ₹6.74 (Q1 FY27) vs ₹4.95 (Q1 FY26)
Other Equity: ₹84,40,186 (Reserves and Surplus as of 30.06.2026)
Cash and Cash Equivalents: ₹47,08,901 (Balances with Reserve Bank of India) + ₹55,03,594 (Balances with bank and money at call and short notice) = ₹1,02,12,495 total
Debt: Borrowings of ₹1,15,34,140
Consolidated Results:
Total Income: ₹22,71,228 (Q1 FY27) vs ₹20,67,762 (Q1 FY26)
Net Profit: ₹3,30,258 (Q1 FY27) vs ₹1,82,956 (Q1 FY26) - 80.5% YoY increase
EPS: ₹7.25 (Q1 FY27) vs ₹4.02 (Q1 FY26)
Other Equity: ₹86,43,624 (Reserves and Surplus as of 30.06.2026)
Cash and Cash Equivalents: ₹47,39,357 (Balances with Reserve Bank of India) + ₹54,85,393 (Balances with bank and money at call and short notice) = ₹1,02,24,750 total
Segment-wise Performance [₹ in Lakh]:
Business Segments (Standalone):
- Treasury Operations: Revenue ₹1,60,702, Profit ₹21,52,706 (Capital Employed)
- Wholesale Banking Operations: Revenue ₹1,53,835, Profit ₹22,61,294 (Capital Employed)
- Retail Banking Operations: Revenue ₹1,31,718 (Digital Banking ₹18 + Other Retail ₹1,31,736), Profit ₹24,27,682 (Capital Employed)
- Unallocated: Loss ₹20,53,844
Corporate Actions:
Dividend: Declared interim dividend of ₹1.50 per equity share (15% on face value of ₹10 each) for FY2026-27
Other Significant Information:
- Capital infusion of ₹22.64 crore in associate ASREC (India) Ltd., increasing shareholding to 27.30% from 26.02%
- Transfer of ₹1,394.59 crore from Investment Fluctuation Reserve (IFR) to General Reserve as per RBI directions
- Additional provision of ₹874.11 crore held for 4 borrower accounts under RBI stressed assets framework
- Security Cover Certificate confirms maintenance of required security cover for listed bonds
- The Bank has commenced two Digital Banking Units (DBUs) reported under Digital Banking segment
- Government of India holding: 73.38%
- Capital Adequacy Ratio (Basel III): Not fully specified in the extracted data
- Return on Assets (Annualised): 1.01%
- Net Worth: ₹76,94,034 lakh (Standalone), ₹78,90,859 lakh (Consolidated)